davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have submitted several disputes to TransUnion for over 6 months now ; disputing the inaccurate, misleading, and unverifiable information listed on my credit report from multiple creditors. I have asked TransUnion on multiple accounts to remove any and all addresses, as well as personal information that does not belong to me, nor that I have ever lived at, and TransUnion will not acknowledge my request. TransUnion has continuously sent me a response to every dispute I send them, almost immediately refusing to thoroughly investigate the accounts because I have " previously '' disputed the accounts and they came back verified. My initial dispute was submitted in XX/XX/2015. I have sent a dispute every month since then, re-disputing the accounts with more information, or with a different reason as to why these accounts should be removed immediately. I have also requested method of verification, as well as proof of verification, and they have completely disregarded my request and thrown out my investigations entirely. I do not know where to begin in regards to having this matter resolved as I am constantly having to face an uphill battle with a company who is proving they are not abiding by the law and completing a full and thorough investigation. I am requesting that you please look into this matter and have TransUnion complete a full and thorough investigation of the accounts listed in the attached letter. I have sent them certified/registered mail with return receipt every month, and I know they have received my disputes because they reply back with the letter indicating the dispute will be disregarded to being previously investigated. Which I am aware of, but I am giving a completely different dispute reason every time. Please assist. I thank you for your time and help on this matter. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing in response to your notice about an alleged debt. ( XXXX XXXX XXXX XXXX ). Before I can confirm or dispute this debt, I am formally requesting additional documentation under the Fair Debt Collection Practices Act. 
Please provide the following within 30 days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt. 
A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt. 
Your license and credentials to collect debts in GEORGIA. 
Written notice of my rights to dispute the validity of this debt within 30 days under the FDCPA. 
I expect this requested information to be provided in full before I can respond further on this alleged debt. Please send physical copies of all documents to my address below. I look forward to your response within 30 days as required by law. 
Thank you for your cooperation.
Consumer complaint received 2023-01-25
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. (MS)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$80.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX XXXX XXXX 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 2017-03-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

I have been trying to resolve my housing tragedy caused by the city of XXXX and lender, CitiMortgage but not getting any cooperation from the city or response from the CitiMortgage. It is unfortunate that instead of supporting me, my lender joined with the city of XXXX in selling my property at XXXX and XXXX, XXXX. I paid mortgage for 22 years, out of 30 years loan and {$130000.00} to be paid ( balance ) and CitiMortgage failed to do its fiduciary duty to me and conducted unfair business practice and received the balance payment behind my back. There is a code violation allegation by the city of XXXX, who designed a concocted case against me, still I deposited {$170000.00} cash for repairs but the city did not repair the property, kept my cash money, sold the property and kept the sale proceeds. The CitiMortgage did receive the balance payment of {$140000.00} from the city and the receiver and ignoring my rights and their duty to protect my properties despite my many formal and informal requests. The CitiMortgage failed to give me loan or legal representation to preserve their interest at the property because large amount of equity, about {$1.00} XXXX at that time and they did not care about my property rights and equity and received their balance payment because they colluded with the city. I had only {$130000.00} to {$140000.00} balance where I had a cash of {$170000.00} deposited to the escrow account of the receiver. I could have paid the balance from escrow account if they had cooperated with me. I requested for refinancing of the property, partial funding from the federal government but the CitiMortgage did not cooperate and collected 7.5 % interest when I was entitled to get 3-4 % interest. In XX/XX/XXXX, refinance request did not materialize because I was over XXXX years old when they found out that my income ratio was adequate to qualify for loan modification. They continue to receive my mortgage payment between XX/XX/XXXX to XX/XX/XXXX when the house was seize and close by the city of berkeley. CitiMortgage is fully aware of the closure of the house and City 's allegation of zoning violation but they took no action despite they acknowledged that they received all the notices. I am requesting you to investigate this fraudulent action of the city of XXXX, receiver and CitiMortgage and return my house. I am attaching a declaration of XXXX in support of my request for investigation of the fraud against me.
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Continental Finance Company, LLC (CA)

On XX/XX/2024 I received an email alert that an account was opened in my name. I called to the credit bureaus and discovered that a hard inquiry was made on my credit that wasn't done by me so I reported it as fraud. Today XX/XX/XXXX I received an actual credit card in the mail. When I called different numbers on this paperwork I received many different answers from " it's just a credit proposal to we can't help you with this at this number '' I finally reached an agent that said she closed and blocked the account.
Consumer complaint received 2024-06-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

The alleged debt is included in my bankruptcy. Columbia dba Genesis know this and responded in complaint XXXX that they updated their records and removed it from credit report. They turned around and reported it back to credit report as correct and valid.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

All XXXX credit bureaus are reporting a bankruptcy after I have submitted a letter from the bankruptcy court stating that they do not report to the credit bureaus! I did not give the credit bureaus permission to put such thing on my reports.
Consumer complaint received 2017-03-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (MD)

We escrow our taxes through our mortgage company. We got a notice that our house was going to Sheriff Sale for failure to pay taxes. Freedom Mortgage claims they sent in the taxes but the county never received them. When we called to find out what was going on the customer service representative said it had to go through their tax department who can not take incoming calls! Can not take incoming calls?!?!? ITS TAX SEASON Freedom Mortgage is screwing us out of a deduction and they are telling us that they will respond by XX/XX/XXXX. A little passed our tax deadline. We then find out that they sent the payment to the wrong account number to the county. They hold the mortgage to our house and do n't even know where it is! We can not get any resolution to the problem because we ca n't speak to any one in the " tax department '' they have to " call you back ''. This is absolutely the most ridiculous thing I have ever heard! We are going to lose a tax deduction and are going to have to pay penalties for late payment and the best they can come up with is the tax department has until XX/XX/XXXX to respond? We have no where else to turn. These folks seem to think we have hours to spend on the phone trying to get answers! This is a very frustrating issue!
Consumer complaint received 2024-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/year> I made a purchase through PayPal from XXXX on XXXX for a sports card for {$60.00} and on XX/XX/year> for another sports card for {$20.00} which were to be shipped out on XX/XX/year>. On this day the seller blocked me from all communication and access to their sales. I reached out to PayPal to solve the dispute and they sided with the seller who blocked me and took my money from me without sending the paid for merchandise without giving much reason besides saying " We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. ". My case number on PayPal is XXXX XXXX I was requesting the {$80.00} to be refunded by PayPal.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

In accordance with the Fair Credit Reporting Act The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality un 15 USC 1681. 

Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 15 U.S.C 1681 States that I have the right to privacy.

15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

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 and 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 ) (! ) A personal 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 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act 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 Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I submitted the beneficiary form several weeks ago to reflect that my personal savings account with PenFed should have an updated beneficiary to reflect my newly created family revocable trust. However, even though I have been assured the information is correct on PenFed back-end administrative systems, my consumer portal continues to show the outdated information of my former beneficiary. My document upload reference number XXXX was done on XX/XX/XXXX and the beneficiary reconciliation was supposedly completed by XX/XX/XXXX. Two additional weeks have gone by the process is still not complete at this time.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2023-04-12
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. (WI)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2016-11-14
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (IL)

My mortgage company is Nation Star Mortgage i tried to refinance my mortgage to find out when a credit check was performed Nation Star has on my credit report that i have a home equity loan on my first mortgage i do not i took out a home equity loan for XXXX dollars XXXX XXXX company it was paid off i explain the to Nation Star. XXXX transferred my loan to XXXX almost two years ago i do not know if they have me mixed up with someone else i told Nation star the problem and i have been getting the run around from these people. I can not get any kind of help with my mortgage until they straighten this mess out i have the documentation that my loan was paid off and i ask Nation Star to show me where i signed for an first mortgage they could not i need help with these people they are difficult to work with.
Consumer complaint received 2023-08-03
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. (FL)

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 others with whom he is acquainted or who XXXX have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (GA)

I opened a account with Chime in XX/XX/XXXX with my refund check XXXX another check was deposited which was my economic stimulus check of XXXX another one XXXX. During that time my XXXX refund was deposited in XX/XX/XXXX XXXX. A cash deposit of XXXX cash was also deposited in this account. My Totaling XXXX. I called account still in good standing the representative confirmed my balance of XXXX. And asked me did i try to access my account by changing the pw I told her no. That's when we changed the email address to XXXX and pw Immediatly and I believe it was in XXXX or XXXX of XXXX i never I tried to access this account until recently in XX/XX/XXXX and could not access my account. My wife started a new account n requested the.money be transferred into the new one explaining the old one could not be accessed n wanted the money balance transferred to the new one. We also tried to access the account by using the ATM card with no luck. Now my wife does not have access to the account at all. During this time I asked her to help me bcause I couldn't seem to get help through customer service. Chime ask for me to verify my identity. I sent them on 6 different occasions 6pic photo id 's 6 pic of my ssc copy of a bill with addres n a phone bill with my new phone number. Since the old one was not updated. But again could not access my account. After looking at my emails I noticed a XXXX XXXX with some type of spot me all over my email. I don't know this young lady so I didn't understand her involvement with me. She is not one of my contacts either. Also while looking over my emails I never recieved a bank statement from chime by mail nor even through my email. 
Chime said that they noticed unusual activity n never elaborated on the comment that was made. Amatter of fact the only thing they informed me of that my account was closed due to some account disclosure. They informed me they will send a check from my savings and another from my checking in 30days from the closure date XX/XX/XXXX. And 14 days from the XX/XX/XXXX from my savings I recieved a check from the savings in the Sum of XXXX which was XXXX short of XXXX which that was my savings balance XXXX. I inquired about the other refund check of XXXX and still have not recieved a response from chime nor the check from the checking account. I did inform them I was gon na seek legal help into receiving the rest of my money. I didn't even know that the account had been suspended in XXXX bcause they never informed me by mail or email. I have tried to contact them by email 20 to 30 times with no response to the money that I know for a fact was in that account. The irs sent me a identity theft pin for my ssn incase someone had used my identity. Chime never elaborated on any activity done with my account. I never authorized any transactions on this account. I do know that this account in XXXX ended with XXXX and should still in account was XXXX
Consumer complaint received 2022-12-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION (GA)

Credit Acceptance offered me a settlement in writing XX/XX/2022. I sent them a check XX/XX/2022 to settle the account in full for this subprime loan. The letter gave me 90 days from the date of the letter to settle the account. Now they are trying to re-nig on the settlement and file a judgement. I want them yo honor their settlement arrangement.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year> Chase Bank XXXX XXXX XXXX XXXX, DE XXXX Subject : Request for Deletion of Hard Inquiry Due to Identity Verification Failure Dear Sir/Madam, I am writing to formally request the deletion of a hard inquiry made by Chase Bank XXXX XXXX credit report. This inquiry, dated XX/XX/year>, was conducted without proper verification of my identity and is therefore unauthorized. 

During the application process, there were significant issues with verifying my identity, resulting in the rejection of my application. Despite this, a hard inquiry was still recorded on my credit report. According to the Fair Credit Reporting Act ( FCRA ), any credit inquiry made without proper authorization or verification of identity is considered invalid. This unauthorized inquiry is adversely affecting my credit score and overall creditworthiness. 

The details of the inquiry are as follows : 1. Inquiry Date : XX/XX/year> XXXX. Inquiry Reference Number : XXXX Enclosed with this letter, you will find the following documents to support my claim : 1. A copy of my identity verification rejection notice.

2. Proof of my identity ( copy of my driver 's license ).

3. Any additional relevant documentation.

I called chase support and asked that my inquiry be deleted since there isn't a way they can verify my identity after providing proof and documentation 3 times while also included my physical presence at a chase branch. They said i can call XXXX  and XXXX will call chase to verify this deletion. I stated i did not want to do that because I heard before that chase bank will blacklist anyone for removing an inquiry which will result in the denial in any future requests for credit. Keep in mind all call are monitored and recorded. Representative name is XXXX at XXXX location. 
I request that Chase Bank immediately investigate this matter and remove the unauthorized inquiry from my credit report. Yes it was authorized but failure to confirm any persons identity in the request for credit must be deleted. 
Please provide written confirmation once the inquiry has been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX