davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Dear Cfpb Every violation should be treated as one, whenever a bank closes an account they have no right to my money as lng as i am not XXXX XXXX or debt Merrill violating my right has just been confirmed in their response which i quoted below " We regret the misinformation provided to you regarding the processing of your funds.they have been lyinh all through my account is not restricted it is closed, the money in my account was taken by merrill in the month of XXXX, i want Merrill to provide my transaction history, and my ID will be faxed, they have my account details i want my money, i don't want to reinstate the account. i don't want to deal with merrill.I want my money. thanks
Consumer complaint received 2023-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer .I have not been able to get approved for anything, and that really hurts me and my family. You are supposed to conduct a reasonable investigation on items presented to you by consumers.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-04
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. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-04
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. (CA)

In accordance with the Fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights and confidentiality under 15 USC XXXX. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXXXXXX 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 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 2023-10-25
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. (OH)

Upon checking, my TransUnion credit report showed up inquiries i never authorized. It seems to be fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-04
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2015-04-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I paid off my mortgage to Nationstar mortgage in XXXX 2015, and requested a projected time to record the full reconveyance. They responded it would take 30-60 days to prepare the paperwork. I subsequently found California gives them 21 days to Record the documents. As of today 's date XXXX/XXXX/2015 nothing has been recorded.
Consumer complaint received 2022-12-08
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. (TX)

Hello my name is XXXX XXXX, I recently reviewed my credit report and notices a few unauthorized accounts. I have tried resolving the issue on my own but can't seem to have them removed which is why I am now reaching out to you. These accounts are affecting my approval for a new vehicle, which I'm in desperate need of. Please review promptly and have them removed from my report. 
Thank you.
Consumer complaint received 2015-04-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NV)

I have a friend, who is on social security XXXX/retirement and receives her XXXX benefit on her XXXX XXXX XXXX ( there is no option offered as to the type of card -- see below website ) XXXXXXXXHer mortgage company is Nationstar and every month she has to make her mortgage payment using XXXX XXXX , which involves driving to the store and cost her {$13.00} ( soon to be {$16.00} ), because Nationstar Mtg does not accept XXXX debit cards, only XXXX. Is it legal to limit someone 's ability to pay their mortgage payment and only accept a XXXX cards? What bothers me is the people it effects -- our XXXX and XXXX who are on fixed incomes. I want to know if mortgage company 's are allowed to do this, how can they accept XXXX and not XXXX? That makes no sense to me and is not only causing a hardship for my friend physically and financially, it affects any other XXXX or retired people who are stuck with Nationstar as a mortgage company and receive their government benefits through XXXX XXXX. Can something be done?
Consumer complaint received 2023-10-04
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. (CO)

I contacted the two credit bureaus equifax and XXXX. They continue to report that an account, solor mosaic, is open and current. That account is paid in full and closed. I have disputed the information as incorrect several times and the above companies report that the account remains open with a balance.
Consumer complaint received 2023-10-04
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: Solar Mosaic LLC (CO)

I contacted the two credit bureaus XXXX and XXXX. They continue to report that an account, solor mosaic, is open and current. That account is paid in full and closed. I have disputed the information as incorrect several times and the above companies report that the account remains open with a balance.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX added a fraudulent account that I do not recognize. Convinced me to pay a settlement when I later realized I do not own the debt. It is now currently being disputed I have not supplied proof under the doctrine of estoppel by science, XXXX XXXX, XXXX ( mo ) XXXX XXXX XXXX I presume no proof of the alleged debt nor therefore any such debt, in fact therefore exists Account is SIF and per the FCRA 15 U.S.C. 1681i, if an account is showing unproven, non-compliant, incomplete, untrue, Incorrect and unverified aspects and the alleged derogatory account must be negated in its entirety, or the accounts are to be completely deleted.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-31
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. (FL)

XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX I XXXX XXXXConsumer to Experian am I requesting your agency do an independent investigation for the account listed above with XXXX XXXX. PLEASE DO NOT PARROT BACK USELESS UNVERIFIABLE, INCOMPLETE, INACCURATE INFORMATION. I have disputed this item several times and your company has not done an investigation as required and you have refused to send me all of the requested documentation. XXXX, XXXX, AND EXPERIAN ARE EACH REPORTING COMPLETELY DIFFERENT INFORMATION THROUGHOUT THIS ENTIRE ACCOUNT. 

I never had an account with this company. I have no knowledge of this company. I have no knowledge of owing this company at all. I never gave this company my written consent or permission to obtain any information about me nor did I give this company permission to publish any information about me. I never signed anything making XXXX XXXX  the ASSIGNEE. 

I AM REQUESTING YOUR AGENCY CEASE OF ALL REPORTING WHILE INVESTIGATION IS IN PROCESS. IF YOUR AGENCY CAN NOT PROVIDE EACH AND EVERY DOCUMENT, I REQUESTED IN THE TIME ALLOWED PERMANETLY DELETE THIS ACCOUNT FROM ALL CONSUMER REPORTS IMMEDIATELY. 

( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) ACDV- PLEASE PROVIDE FOR MY RECORDS FROZEN SCANS- PLEASE PROVIDE FOR MY RECORDS AUD- PLEASE PROVIDE FOR MY RECORDS CARBON COPIE-PLEASE PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF OF INVESTIGATIONS WHAT PROCEDURES USED TO VERIFY YOU ARE PROTECTING MY IDENTITY ACDV- PLEASE PROVIDE FROZEN SCANS- PLEASE PROVIDE CONSUMER FILE, CONSUMER REPORT, FILE DISCLOSURE-PLEASE SEND I AM REQUESTING MY CONSUMER FILES AND CONSUMER REPORTS-BOTH ARE REQUESTED. 

I DEMAND YOU VALIDATE/VERIFY THIS INFORMATION PROVIDE DOCUMENTATION BEARING MY SIGNATURE. 

MAKE ALL REQUEST TO RELIEVE YOUR AGENCY FROM YOUR FOUL POSITION OF WILLFUL NON-COMPLIANCE, WILLFUL NEGLIGENCE AND YOUR CONTINUED VIOLATIONS OF THE LAW THIS SHOULD ALL BE COMPLETE UNDER 30 DAYS AS YOU FAILED TO DO PROPER INVESTIGATIONS WHEN PREVIOUSLY REQUESTED. 
CURRENTLY YOU ARE IN VIOLATION OF THE FCRA AS PER USUAL. 

15 U.S. Code 1681n 15 U.S. Code 1681i CEASE ALL CONSUMER REPORTING WHILE INVESTIGATION IS IN PROCESS PERMANENTLY DELETE IF UNVERIFIABLE, UNABLE TO SEND ALL REQUESTED DOCUMENTS. 

( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) ACDV- PLEASE PROVIDE FOR MY RECORDS FROZEN SCANS- PLEASE PROVIDE FOR MY RECORDS AUD- PLEASE PROVIDE FOR MY RECORDS CARBON COPIE-PLEASE PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF OF INVESTIGATIONS WHAT PROCEDURES USED TO VERIFY YOU ARE PROTECTING MY IDENTITY
Consumer complaint received 2024-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.
Consumer complaint received 2023-10-04
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. (GA)

XXXX XXXX XXXX XXXX added a fraudulent account that I do not recognize. Convinced me to pay a settlement when I later realized I do not own the debt. It is now currently being disputed I have not supplied proof under the doctrine of estoppel by science, XXXX XXXX, XXXX ( mo ) XXXX XXXX XXXX I presume no proof of the alleged debt nor therefore any such debt, in fact therefore exists Account is XXXX  and per the FCRA 15 U.S.C. 1681i, if an account is showing unproven, non-compliant, incomplete, untrue, Incorrect and unverified aspects and the alleged derogatory account must be negated in its entirety, or the accounts are to be completely deleted.
Consumer complaint received 2022-12-08
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)

Experian, and XXXX are reporting late payments for an account that they are claiming is now charged off while XXXX is reporting it as a charge off with no payment history. How is this even legal? I was never late on the following account XXXXXXXX XXXX XXXX XXXX  XXXX first and foremost, and the information is inconsistent between the XXXX credit bureaus. They were notified twice to validate this account that they are inaccurately reporting on my credit report, but they have failed to do. I will attach a copy of my credit report to show the inconsistencies between all XXXX bureaus. How are you reporting different information when the data furnished should all be the same? I have tried to have this information corrected for over 6 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and/or the account to be deleted. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments. I will include the letter as well as the time stamp. Please conduct a proper investigation and update this account. My email is XXXX XXXX
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Last 2 years I have tried to no avail to challenge my accounts on the credit reporting agencies. I also retained XXXX XXXX which is a credit repair company and they had little to no luck
Consumer complaint received 2023-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2023 Ive received a hard inquiry on my credit report to all 3 credit bureaus.XXXX XX/XX/2023. I called capitol one stating that it was fraudulent and I had no knowledge of any application for a credit card and someone is using my name for financial gain.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (MD)

XXXX XXXX Miscellaneous Clothing XX/XX/2022 XXXX THIS HAS BEEN PAID, THEY ILEGALLY RAN AN INQUIRY ON MY CREDIT I DID NOT AUTHORIZE PLEASE REMOVE
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BROKER SOLUTIONS, INC. (CA)

Improper use of Personal information : New American Funding ran my Credit report ( Hard inquiry ) on XX/XX/2018 without my consent.

I have not applied for any mortgage loan with this company, neither as Borrower or Co-borrower. I didn't sign any document or consent them to run my credit score at any time.

They improperly obtained my Social security number from a Joint tax return when my husband had inquired about a Pre-approval based on his name as Borrower solely ( my name was not on any application ).

The persons who are responsible for this incident include : XXXX XXXX XXXX XXXX XXXX XXXX  This action has damaged my credit score and made it harder for me to apply for Mortgage loan in the near future.

I've contacted the company regarding to this incident and haven't heard back.
Consumer complaint received 2024-04-04
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. (NV)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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. 

Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX ================================ UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.