davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My Account with XXXX XXXX was charged off. XXXX agreed to settle my account in full for a payment of {$3300.00}. Once payment was received they agreed to report to all XXXX Credit Bureaus as a XXXX balance settled in full status. On XX/XX/2022 It was paid in full with cash at the XXXX XXXX MD branch for the amount of {$3300.00}. The teller was on the phone with XXXX representative and confirmed I paid cash and that everything was complete and settled attached I have the settlement letter and receipt of payment. I want them to Update to a XXXX balance as settled in full to all XXXX credit bureaus. They said everything cleared at the branch I dont want to wait XXXX days for an update on my credit report when they know its clear on their end.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I wrote a letter to TRANSUNION, XXXX and XXXX on XX/XX/2024 to dispute this accounts XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX  FINCL Account Number : XXXX XXXX Account Number : XXXX, I stated the inaccuracies appeared on each of this account. I was never late to any of these accounts. I received a letter from TRANSUNION stating that the letter is not from me. I created sent out that letter with my ID 's and some information so how did they verify that it is not from me. They didn't even mark these accounts as being in dispute. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress. I will attached the letters that I sent to them and also the letter that I received from TRANSUNION.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 
XXXX XXXX acct # XXXXXXXX XXXX acct XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # 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 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

XXXX recently came into my credit report at all three bureaus. This states from 2015. I have reported this SEVWRAL times as it is completely inaccurate. 

I am looking for TRUE validation yet o Provides with nothing. It simply says no changes. This account was placed on my account 5 years later and they have not validated this debt with more than an address, etc. 

2. This account is listed as in collections it is still Reporting late monthly payment. As of now this account has 36 monthly payments but the account went into collections 36 months ago. 

3. The current payment account status is 120 Days Late but the account is Listed as closed. 

4. I NEVER EVER received notice of this debt. It simply popped up in my Credit Report. I specifically asked multiple times for this information and never received. 

5. Its ahowing as Voluntary Repossession and I NEVER EVER EVER EVER DID THIS and I requested prood of this and never rcvd. 

These companies should not be free to Put inaacurayw information on your credit Report with basically no power to remove. They keep saying it is verified and that is impossible. Because its completely inaccurate.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 
XXXX XXXX acct # XXXX XXXX  acct XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # 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 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (MA)

I received a notification that a credit card was opened under my name that I did not open the only information I have was from a text message that said an account from Bread cash back was opened in my name. I did not open the link associated with the message. 
I did report to XXXX and started a fraud dispute
Consumer complaint received 2024-03-26
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX || Date of inquiry : XX/XX/scrub>XXXX XXXX XXXX  || Date of inquiry : XX/XX/scrub>XXXX XXXX XXXX|| Date of inquiry : XX/XX/year>
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

XXXX XXXX My business checking, savings and personal account was hacked. They were able to wire transfer XXXX and XXXX out of our accounts. Wells Fargo bank called numerous times to clarify transactions. The Wells Fargo agent calling gave us dispute numbers and his badge number. While on the phone with me Wells Fargo was calling my spouse who also told wells Fargo agent they were fraudulent transfers. I went to the Wells Fargo in my area were I was told the agent I was speaking to was the hacker. I was told by Wells Fargo branch manager they would need 7-10 business days to investigate the fraud charges. Today XX/XX/2022 Wells Fargo denied funds to be returned.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 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 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 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I recently pull my credit report from all three bureaus and notice names, and addresses not associated with me nor never have been reporting on my report. I never use any other name but the name on my ID as well as any other addresses besides the XXXX on my ID.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XXXX XXXX XXXX. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX A- States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX. ( a ) ( XXXX ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-15
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: CL Holdings LLC (IL)

My name is XXXX XXXX.I was a victim of identity theft a few years ago.I have been trying, unsuccessfully to remove this account from my credit report .I uploaded all my docs and proof for you to see .so u can see some one open an account with XXXX XXXX  XXXX XXXX XX/XX/2019 over XXXX was done under my name with out my permission identity thieft I have try with XXXX and XXXX XXXX but XXXX XXXX  is not in charge of account Jefferson capital has it there a mix up on my credit report with XXXX it has XXXX XXXX  as current account holder but they dont have it no more Jefferson capital has but never reported this is weird I have excellent credit this is killing me please help
Consumer complaint received 2017-05-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NY)

I applied for a Modification in   XXXX   XXXX   and the representative tha t Citibank  applied to my loan was not responsive nor did they assist in any way all the way thru to   XXXX   XXXX   I struggled with the loss mitigation department as well as the customer service to try and get a status only to be declined without any reasonable explanation.     Finally in   XXXX   XXXX   I was able to pay the full arrears to bring my mortgage current as per a letter sent from  Citibank 's  foreclosure attorneys  XXXX   XXXX   XXXX . To date I have not received a Discontinuance of the Foreclosure LP nor a Mortgage statement to confirm what my monthly payments are. I have called numerous times,  X/XX/XX ,  X/XX/XX  and  X/XX/XX  without any confirmed date of when I should receive my mortgage statement just a span each time of 10 days.   On   XXXX   XXXX   I received a letter saying I am delinquent again without a monthly payment amount and when I called today   XXXX   XXXX   XXXX   with my lawyer I was told that my mortgage payment was increased and I should receive a statement in 10 days ( again ) detailing what the increase was due to. The escrow department stated the increase was due to negative escrow due which does n't make sense since the reinstatement letter accounted for all that in it 's breakdown.     My monthly payment was {$1600.00} and was reinstated and to date I can not get a mortgage statement reflecting that payment nor an explanation of why they are trying to increase my payment by over {$900.00} per month on a fixed rate loan.
Consumer complaint received 2017-05-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITYWORTH MORTGAGE LLC (PA)

I 've been working with the bank on a mortgage loan. We were supposed to close on  X/XX/2017    and they were unable to as they waited until the last minute to get things to the underwriter. We finally get everything else in, and the bank goes silent for days. I tried reaching the banker who was assisting me with no luck. Tried reaching every person who had called me from the bank, and literally no one would answer. I found   XXXX   XXXX   's contact information on their BBB portal, and gave him a call. He is the  manager , and advised that he did not know why we had n't closed as my file looked good and that he 'd try to expedite things for me. Now   XXXX   XXXX   also disappears and wo n't get back to me at all. I am at a LOST! I am on the verge of losing the contract on the home as the seller is worried that we wo n't be able to close.
Consumer complaint received 2022-11-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (KY)

My father passed away suddenly more than two years ago. At the time, we were living in our family home that included him, myself, my partner, and our XXXX  children. The home loan with LoanDepot was in his name. When we contacted the VA, they advised us to contact our lender and request an unrestricted transfer due to the death of a veteran, a process they described as simple, and stated would not cost more than {$50.00}.

For two years now, we have been jumping through hoops, and have made no progress whatsoever. LoanDepot originally would not speak to me about the loan, and required me to go through a lengthy process of being deemed the successor in interest. They also advised they do not have an Assumptions Department, and were unfamiliar with the concept of an unrestricted transfer. At one point they locked us out of the account and we were not able to make payments ( even though every payment to them since the loan incepted was from my checking account ). At some point during this process, the loan became delinquent. After I was finally declared the successor in interest, they led me through applying for mitigation, and for the last few months we have been making regular payments, higher than the original payments, on a trial basis. 

Yesterday, I received a denial letter, stating that we were not granted mitigation, and essentially it was denied because my name was not on the deed to our home at the time when my father passed away. They knew this prior to advising me to apply for this mitigation, as they specifically advised me to go through probate so that I could get the deed in my name, as that was required in order to become the successor in interest. 

The letter further states that loan assumption will be required, but they will not guarantee any type of mitigation, only provide additional steps to continue to follow, with no end in sight, and no guarantee that we will be able to keep our HOME.
Consumer complaint received 2024-03-26
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX || Date of inquiry : XXXX XXXX XXXX || Date of inquiry : XX/XX/year>XXXX XXXX XXXX|| Date of inquiry : XX/XX/year>
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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. XXXX XXXX XXXX XXXX Account # 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 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OK)

XX/XX/XXXXXXXX Potentially Negative Status Account charged off. {$12000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Account Type Auto Loan Balance {$13000.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute DEPT OF VETERANS AFFAIRS XXXX Potentially Negative Status Paid, Closed. 
Account Type Government Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor DEPT OF VETERANS AFFAIRS XXXX Potentially Negative Status Paid, Closed. 
Account Type Government Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$790.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$790.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor XX/XX/XXXX XXXX XX/XX/XXXX Dispute XX/XX/XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Auto Loan Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute < -- - ALL ACCOUNTS LISTED ABOVE ARE NOT MINE. 
-- -- -- -- -- -- -- -- -- -- XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX -- - ALL OF THESE COMPANIES LISTED, I DO NOT WORK THERE. 

-- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, XXXX XXXX < -- - ALL OF THESE ADDRESSES DO NOT BELONG TO ME. 

-- -- -- -- -- -- -- -- -- -- - ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX < -- - ALL OF THESE PHONE NUMBERS ARE NOT MINE. 


-- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - ALL OF THESE NAMES ARE INCORRECT.