davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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. (OR)

THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ITEMS MUST BE REMOVED IN 4DAYS 15 USC 1681C-2, these accounts are not mine and I never lived nor received emails in the addressesreported. Also, I believe I did not sign any paper authorizing the inquiries. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter on XXXX XXXX, 2022 to XXXX. Here is my tracking number ... ... ..... 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law XXXX XXXX XXXX XXXX - Definitions ; rules of construction. 

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete the investigation?
Consumer complaint received 2023-01-18
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. (MI)

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, has violated my rights, Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX has violated my rights, Account name : XXXX XXXX # XXXX has violated my rights, Account name : XXXX XXXX # XXXX, has violated my rights, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights, Account name : XXXX XXXX XXXXXXXX has violated my rights, Account XXXX : XXXX XXXX XXXX XXXXXXXX, has violated my rights, Account name : XXXX XXXX  # XXXX, has violated my rights, Account name : XXXX XXXX XXXX XXXXXXXX, has violated my rights, Account name XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights, Account name XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights, Account name : XXXXXXXX XXXX XXXX XXXX, has violated my rights, Account name : XXXX XXXX XXXX XXXXXXXX, has violated my rights, Account name : XXXX XXXX XXXXXXXX, has violated my rights, Account name : XXXX XXXX XXXXXXXX, 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 2023-01-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-02-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (NY)

I bought my home in XXXX of XXXX prior to entering into a new military contract for XXXX XXXX. I made an agreement with mortgage lender for Covid forbearance and was guaranteed that once my issue was resolved I would be approved for a loss mitigation option. My new mortgage lender which is Flagstar bank that the loan was transferred to the following year XXXX, had made an agreement to uphold that. Unfortunately they have now denied all loss mitigation options. I am military member and I am protect under SCRA which prevents foreclosure against XXXX XXXX military members with out a court order. They also have to give me 90 days once the house is in default. The company is trying to give me no option to keep my home and have even released information to real estate agents offering to sell my home which is violation of my privacy. I accepted the Covid forbearance with the guarantee of loss mitigation option to keep my home and they have not upheld that agreement. I have served for my country and would like the option to keep my home and them to do the right thing.
Consumer complaint received 2023-02-04
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. (LA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if your are unable to provide a copy of verifiable proof, you must remove the account listed below. I demand the following accounts be verified or removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-04
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)

Please note that I've tried to fix the following problem twice and Experian only responds will a stall letter to me stating that they will reinvestigate this challenge. 
Please stop mailing me these stall letter templates just so your company can ignore following the consumer laws. 

Please mail me an updated copy of my credit report via USPS mail based on the results of this challenge and don't answer this CFPB complaint stating you will contact me directly because when you do all you is mail that stall letter template with no challenge dispute results. 

The Account that is being challenged is as follows ; Account Name : XXXX XXXX XXXX Account Number : XXXX CDIA regulator and compliance guidelines for XXXXredit Reporting Agencies using Metro 2 or Metro 4 formatting states the following guidelines on how accounts that were purchased from another company has to be reported.

If the previous lender 's account history is being converted to the new lender 's system and the account history can be verified, then the following has to be reported by the Credit Reporting Agency ; XXXX XXXX  Identifcation Number which is Identification Number reported by the previous lender XXXX XXXX XXXX  Account Number = Account Number reported by the previous lender Date Opened = date opened with the previous lender Account Status Code = appropriate code that specified the status of the account as of the Date of Account Information Payment Rating = of applicable of the Account Status Code being reported Payment History Profile = report payment history provided by the previous lender Date of Account Information = follow the standard guidelines documented in Field 24 EXPERIAN, Please provide proof that reporting by the purchases begin in the following month 's reporting period after the seller reported the accounts as sold. 

EXPERIAN, Please provide the FCRA Compliance/Date of First Delinquency since it was stated the account was delinquent or derogatory at the time purchase, report the date of the first delinquency with the previous lender. 

EXPERIAN, Please provide the K2 Segment Portfolio Indicator = 1 and Purchased Portfolio Name = name of the company from which the account was purchased EXPERIAN, Please provide the L1 Segement Change Indicator = 3, New Consumer Account Number = new account number assigned by the new lender, and New Identification Number = internal code that specifies where information will be verified by the new lender.

Also Note : CDIA regulator and compliance guideline for Credit Reporting Agencies using Metro 2 and Metro 4 states - IF A LENDER IS UNABLE TO OBTAIN THE DATE OF FIRST DELINQUENCY WITH THE ORIGINAL LENDER, DO NOT REPORT THE ACCOUNT!
Consumer complaint received 2023-08-04
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

So on XX/XX/XXXX, mobile deposits has been processed into my bank account. This amount was {$2000.00}. After that was processed, I was told to transfer back {$1500.00} since I was only supposed to have {$500.00}. I sent a XXXX transfer of {$1000.00}. I sent another {$500.00}, but was told that they did not receive so they told me to send {$200.00} first and then {$300.00}. This happened on XX/XX/XXXX. After the XXXX  payments has been processed, the mobile deposits that have been processed was returned back to the user, resulting an overdraft to my account. Those XXXX transactions that were made was completed with the money that was deposited to my account. I filed a claim with Bank of America, but they said they aren't able to give me back my money since it was an authorized transaction. I read about the Electronic Fund Act and have read a similar incident where they were able to get their money back. They authorized the transaction as well and have been scammed just like me. I read about the incident and it said that " the way the consumer financial protection bureau sees it, if someone " induced '' you into transferring the money- even if, technically, you agreed to it- your bank has to reimburse you. I waited XXXX business days to be disappointed from Bank of America. I never used any of the money that was deposited into my account. All I am asking is for my money to be returned to me.
Consumer complaint received 2018-10-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (GA)

On XX/XX/2018 Santander Consumer, reported a new amount owed of XXXX on a charge-off account. Also reported a missed payment. This car was a total loss XXXX XXXX and my Gap insurance paid Santander Consumer.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

In XXXX XXXX I sent letters indicating all updated personal information after name change. With all appropriate documentation. 

No response or reflection ever appeared on my reports. Fast forward to today, XXXX months after my bankruptcy has been discharge my credit score dropped XXXX points to pre-discharge range ; after it had been slowing increasing for over XXXX months. 

I have no open accounts, no new credit, no payments to miss or be late. But I did in the last month secure a co-signer which would have enabled me to get out of being homeless and now I have been returned to a pre-discharge state. 

These action happen to more than just me, in a plethora of varieties and these agencies lord over the futures of hardworking individuals and dictate the livelihood of millions of consumers and citizens with no recourse or responsibility for their actions. 

XXXX XXXXXXXX
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission.
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-13
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. (MN)

I am a natural person, I am a living being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts below be removed because according to 15 USC 1581 : I have the right to privacy and I did not give Equifax the right to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX Beginning in XXXX XXXX XXXXXXXX Beginning in XXXX XXXX  XXXX XXXX Beginning in XXXX XXXX XXXX Beginning in XXXX XXXX XXXX CARD SER Beginning in XXXX XXXX XXXX Beginning in XXXX
Consumer complaint received 2023-02-13
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: CORELOGIC INC (NC)

I tried to contact and communicated the company in order to have my credit report to be corrected. I am seeing so many inaccurate accounts, the dates I were tagged late were incorrect, the balances and dates were incorrect.
Consumer complaint received 2023-02-13
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. (MS)

15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 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 1 681 section 602 A. States I have the right to privacy. 


Review the Following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & Last reported XX/XX/XXXX {$770.00} Reported balance XXXX XXXX XXXX Last reported XX/XX/XXXX {$380.00} Reported balance XXXX XXXX XXXX I Last reported XX/XX/XXXX {$0.00} Reported balance
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/XXXX noticed my bank account was overdrawn. I panicked and took {$9000.00} dollars from my savings account and transferred to my checking account. My checking account was now out of the overdrawn status. 
I then went to look at why this happened. I noticed fraudulent withdrawals made with a check.. then several checks in the amounts of {$4800.00} {$4900.00} {$4900.00} {$4900.00} These were not my charges or checks. I then went to Chase bank on community in XXXX XXXX Spoke with XXXX ( bank associate ). She stated that my account was frozen as per the bank for fraudulent checks written against my account. I was advised to come back to next day to reopen a new checking account ( which I did ) and that my frozen checking account is now under investigation. 
I now have opened a new account and do not have enough money to cover my bills. Chase bank will not give me a contact person or anyone to speak with. They just state that this account is under investigation and I will receive either a letter or my funds back. 
The situation from what I understand is : A person walked into the bank and withdrew money from my checking account, on 2 separate days, for a total of {$19000.00} dollars. The checks cleared I did notify the police and filed a report ( as instructed ) ( also called the credit bureau ) My case number with Chase is # XXXX. The number I have called with Chase Bank is XXXX XXXX XXXX ( I spoke with a person XXXX ) who would not allow me to speak with a supervisor nor give me her last name. All she would tell me is that this is under investigation. I feel helpless. 
I am currently under investigation as of Wednesday XX/XX/20XXXX XXXX
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (CA)

I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) These fraudulent accounts were not authorized by me. 
Thank you.
Consumer complaint received 2023-02-13
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: SYNCHRONY FINANCIAL (TX)

I sent a letter on XXXX/XXXX/22 to JC Penney regarding an account on my credit report. They are reporting that I was late, but I was never late. I have asked for validation and was never sent any historical data. I am asking for Sychrony XXXX to fix this inaccurate information they are reporting to the credit reporting agencies. Their error is causing me extreme XXXX. The payment history on my credit report does not reflect a late payment. Actually, the data furnished is different between all 3 bureaus and this is a violation of the FCRA because all data furnished should be the same. Also, due to covid, I was on deferment so there should be no late reporting per FCRA. I am liable for compensation for false reporting, but at this time I am only asking for the late payment to be rescinded. I do expect a response within 15 days since it has been well over 30 days since my letter to this company. Please see the inconsistent credit report
Consumer complaint received 2024-05-07
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC (SC)

I was told all they could do was allow 3 months with a payment plan to pay the whole XXXX back in order to keep my house bc I couldn't afford {$70.00} more on a house payment when my pay has went up from my last job