davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (MI)

Dear Sir/Madam, I am reaching out to lodge a formal complaint concerning issues with my mortgage servicer, LoanCare, which include an overcharge in mortgage arrears, substantial legal fees incurred without resolution, and serious communication mishaps. 

The root of the dispute lies in a discrepancy in the arrears reported by LoanCare for the period of XXXX XXXX XXXX XXXX Our understanding, based on direct communications and submitted loss mitigation documents in XX/XX/2022, was that we were two months behind in our mortgage payments. Contrary to this, LoanCare 's documentation reflected a three-month arrearage. This discrepancy led to additional legal fees of {$6200.00}, charged by our attorney in an unsuccessful attempt to resolve the matter. We also incurred fees from LoanCare due to communications with our attorney during the bankruptcy proceedings. 

Complicating this issue was an unexpected change in our mailing address to our attorney 's office address, without our consent or request. This change resulted in all correspondence from LoanCare going unanswered following the termination of our relationship with the attorney. This communication breakdown meant we were unaware of and unable to respond to LoanCares communications in real-time, exacerbating the existing dispute over arrears. We also experienced harassment from LoanCare representatives, XXXX XXXX XXXX  while attempting to communicate with them about our loan modification and arrears dispute. 

Furthermore, it was not our intention to include our home in the XXXX XXXX XXXX proceedings. However, the incorrect arrears claimed by LoanCare, combined with the protracted period ( over a year ) it took to address our loan modification application submitted in XX/XX/2022, left us with no choice but to include the house in the bankruptcy to ensure its protection. 

To summarize, we are faced with the following issues : 1. Incorrect arrears reporting by LoanCare, unsupported by our payment records and communications. 
2. Unjust additional legal fees incurred due to the disputed arrears, without any resolution being achieved.

3. A significant breakdown in communication due to the unauthorized change of our mailing address to that of our former attorneys office, hindering our ability to manage our mortgage account effectively.

4. Being forced to include our home in the XXXX XXXX XXXX proceedings as a direct result of LoanCares actions and delays in loan modification. 
5. We will need to take next steps in raising an objection with the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, where we are currently Pro Se after having to dismiss our attorney because of this issue. Weve also filed a complaint against our attorney with the XXXX XXXX XXXX XXXX, which has gone unresolved.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit report is showing inaccurate information that is concerning me. I am very concerned, because this is affecting my ability to get credit. The inaccuracies with my name and address are causing verification issues and affecting my ability to get credit. This is a violation and I demand these errors be corrected by you
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX, XXXX XXXX, and XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I received alerts on my credit monitoring system and noticed a plethora of inquiries that I do not recognize and have not given my consent toward. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports, and must be deleted immediately. DEPT OF ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION, XXXX XXXX XXXX
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear CFPB, I am writing to file a complaint against XXXX, XXXX and Transunion for violating the Fair Credit Reporting Act ( FCRA ) and TILA 15 U.S. Code 1666 ( b ) regarding a billing error on my credit report.

Please see the dispute letters I attached on this complaint. It consist the account details.

The presence of this inaccurate billing error on my credit report is causing me significant harm, including : 1. Difficulty obtaining credit at favorable rates.

2. Higher interest rates on existing loans.

3. Denial of credit applications for housing, car loans, or other financial products.

4. Damage to my credit reputation.

I urge the CFPB to investigate this matter thoroughly and take appropriate action against the Bureau involved for violating TILA 15 U.S. Code 1666 ( b ) and the FCRA. I request that the CFPB : 1. Order the credit bureau ( s ) to remove the inaccurate billing error from my credit report.

2. Require the credit bureau ( s ) to provide me with a copy of my updated credit report reflecting the changes.

3. Ensure that the credit bureau ( s ) take all necessary steps to prevent similar errors from occurring in the future.

4. Consider taking further action against the bureau ( s ) for their violations, including potential fines or penalties. 

I have attached the copies of my dispute letters sent to the credit bureau, and any other relevant documentation for your reference. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2023-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (FL)

Spring Oaks Capital LLC is attempting to collect on a alleged debt that was deemed fraudulent from the Original Creditor XXXX XXXX. They claimed to validated the debt, but couldn't have because the Original Creditor would have told them it was closed due to them determining I never opened the account. Spring Oaks Capital is knowingly continuing and refusing to report unverified fraudulent information which is greatly affecting my livelihood
Consumer complaint received 2020-07-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (PA)

My account was charged with three transactions I did not authorized. The first transaction was on XX/XX/2020 for the amount of {$3400.00}. The other transaction was made on the XX/XX/2020 and was for the amount of {$6200.00}. The other transaction was on the XX/XX/2020 for the amount of {$2900.00}. The bank is saying this is my fault because I shared my XXXX XXXX information I did not share my log in or password information for XXXX XXXX or my bank. The only information that is public is my XXXX XXXX name that is used to receive money. I did not shared my routing or account number I dont know how was possible to make this transaction. I need help. I have filed a police report and also an identity theft report.
Consumer complaint received 2023-10-29
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Time Investment Corporation (NC)

Aggravated Identity Thief 15 USC 1681c-2 States Except as otherwise provided in this section, A consumer reporting agency shall block the reporting of any information in the file of a consumer that ; the consumer identifies as information that resulted from an alleged identity theft.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S. Code 1681 Section 602 A. states I have right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have been attempting to dispute a specific " account '' reported to Equifax with incorrect information for several months now. 

I can not access my account. They do not seem to have a way for me to recover my account. No matter what instructions I follow. 

I attempted to log in to my account but Equifax says my account is locked. 

I have called in but they say they can not verify my identity. I have been through a few cycles of this. 

When I call in it is clearly to a call center. Highly likely outside of the United States based on my interaction. 

They asked me to verbally provide all of my Personally Identifiable Information ( PII ). Name, Address, Social Security Number, Email, Phone Number. 

Why not provide me with a link to verify this information? To secure my date! 

After they offered to send me a link because I was required to provide additional information to verify my identity. 

They say I failed my verification. So now I am required to mail them copies of the information : Drivers License, Social Security Card, Mailing Address... 

They never offered to send me back the documentation like with the Social Security or Passport Offices. 

I asked if I could go somewhere in person instead of mailing my documentation if I could go into a local place to verify like the post office or with a partner. They say if I want to go into an office I must fly to XXXX, GA to verify in person. 

I have tried resetting my password to retrieve the account it will not allow me too. They have no system in place to retrieve the password unless I verify my identity by mailing all of my PII to them. 

For A Password Reset. To Verify My Identity. While They Make Me Verbally Provide ALL of my PII To A Call Center Oversees. 

Does that make sense to you? Securing Data? 

So I still do not have access to the equifax account for several months now. 

Which affects my credit score, access to certain jobs, security clearance information, and purchasing power... 

None of this resolves my original issue. Attempting to dispute the incorrect account listed on my credit report. 

To address this issue I have used XXXX XXXX to file a dispute ( s ) but this has taken months and has been unsuccessful. 

REQUEST : I am requesting access to my Equifax account. Please review your security practices! Most importantly please dispute and remove XXXX XXXX XXXX XXXX XXXXXXXX XXXX  stating there is a balance of {$600.00}. This balance is listed incorrectly. 

Additionally, this is medical debt. 

As of XX/XX/XXXX of this year, the bureaus no longer include medical collections for amounts under {$500.00} on credit reports according to the XXXX medical debt forgiveness. 

Please remove this from Equifax and all other consumer reporting agencies. I have made this request almost 8 times now in one way or another.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

I was on a promotional period agreement with care credit. The account was paid as agreed over XXXX  months. In the final month, I was told that there were some fees I also had to pay, which was an additional XXXX dollars. Before making my final payment at agreed, I was told that the fees will be waived and I would only have to make my final payment, plus XXXX payment on a late fee, which I did on XX/XX/23 and XX/XX/23. Both payments posted. However, on XX/XX/23 I incurred what they call a deferred interest of XXXX. I was told that it was due to the XXXX dollars of fees, even after I was told they were waived. However, the fees are separate from the loan agreement and do not extend the lifespan of the loan. I can pay the XXXX fees, and be done with care credit. However I do not accept XXXX, plus XXXX still being charged late fees, even after I asked them to close the account. They are also illegally updating the balance to a closed acccount, which is terms for deletion off my credit report.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Credit collection Service : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Good day I am making a complaint concerning several accounts that have I have been disputing for a few years now. The creditors are XXXX XXXX  XXXX, XXXX XXXX and XXXX  which lists XXXX separate accounts.I will start with XXXX XXXX  XXXX this account was actually removed from my credit report and blocked as a fraudulent item but all the credit beauru 's let them insert the information back with no fight and I have been told that there is nothing that can be down. XXXX XXXX and XXXX all they state is that the information has been verified as accurate and no further information has been given. I am now attaching a signed and notarized FTC affidavit along with a police report and I am again requesting that these items be removed from my credit report and please send an updated report showing that these items have been removed due to identity theft
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XXXX XXXX I file a dispute with TransUnion requesting that a Bankruptcy case # XXXX that was showing on my credit report, On XXXX XXXX I received a letter from trans union XXXX XXXX the bankruptcy was verified as accurate I contact the United States bankruptcy court. and went in person and the clerk gave a letter stating that the court does not report any information to the credit bureaus, and they do not verify or validated any information. TransUnion XXXX XXXX are in violation of 15 U.S.C 1681 ( I ) A for failing to conduct a proper investigation. please see Exhibits & Documents.