davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I want XXXX removed from Social Security number ( XXXX XXXX area/field of my consumer report. This information is in accurate and I would no version of my Social Security number to be reflected on my consumer report in any way. This is my right to privacy as a consumer pursuant the privacy act of XXXX. 


I would like the following hard inquiries removed from my credit report per XXXX XXXX XXXX permissible purposes without my permission. The following information legally can not be reported. Therefore, I want it removed immediately. 

XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX And XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX
Consumer complaint received 2024-11-20
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. (SC)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-11-19
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. (CA)

i am a victim of identity theft, i have been trying to work with all three credit reporting agencies to remove these fraudulant accounts and the credit reporting compines are refusing to help me out every time i call them and ask them what documents and what information i need to provide to them to have this matter cleared up they tell me what to do and i do it then when its time to follow up with them they tell me ohh your missing this then i give them that then they tell me that i do not meet the requirments to fit there guidelines then i ask them ok what criteria do i need to meet so i can fix the issuie and resend it then they tell me ohhh well we cant tell you!...
Consumer complaint received 2023-02-20
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: EQUIFAX, INC. (FL)

this account XXXX XXXX account number XXXX is a fraud account. ftc report has been provided to credit bureau this needs to be removed off my credit report. ftc report has been provided
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

In accordance to The Fair Credit Reporting Act this creditor XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX TX XXXX Phone Number : XXXX XXXX has violated my rights under 15 USC 1681, section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 ; A consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose!

I never gave this creditor permission either verbal or in writing!
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

This is a violation of U.S. code 1681i ( 5 ) Removal In accurate /invalidated credit. please remove immediately. 

I have submitted dispute for the inaccurate information on my Equifax report. The account are showing open when creditor has closed and place in collections. Inaccurate balance.
Consumer complaint received 2023-05-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WI)

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

I have disputed this account on multiple occasions, as recently as XX/XX/2023. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. The XXXX XXXX account XXXX does not belong to me.
Consumer complaint received 2024-11-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (GA)

This is with Citi Bank, I am trying to send a international wire transfer to pay for some stock options through my company. I have verified the wire information through my company but Citi will not allow the wire transfer to go through due to they think it is fraud. I have called and spoke with several people but there is no help to resolve the issue. It makes no sense after I verified the recipient.
Consumer complaint received 2023-02-02
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. (FL)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT and UPDATE all information which can not be verified. 
XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2024-11-20
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-11-20
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. (IN)

Unexpected unauthorized inquiries appeared on my credit report today, leaving me confused and upset. I attempted to refresh my browser in hopes it was a mistake, but the issue persists. I urgently need your team to carefully examine the documents Ive sent so I can put this behind me.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

COMPANY IS LISTING INCORRECT INFORMATION, 30 DAY LATES AND I HAVE NEVER BEEN LATE. I REQUESTED THAT THEY DO RESEARCH AND REMOVE. i ALSO OPTED OUT FOR ALLOWING ANY NEGATIVE INFORMATION TO BE SHOWN ON MY CREDIT REPORT.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX Have reported to XXXX that I owe them XXXX. I have never took out a rental with XXXX  but they been calling me.

I would like to speak with XXXX. I need signatures on documents. That were done by me. Not a PDF online but actually signed documents.

Ive been a victim of identity theft and I want to make sure I am covering grounds. Before I have to pay anything to anybody.
Consumer complaint received 2023-02-02
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: EQUIFAX, INC. (DC)

I disputed information on my account because of my rights to maximum possible accuracy. I was never sent any information on how the reinvestigation was conducted or the results. it has been well over 30 days since my last dispute, i called them on XX/XX/2023 to get remedy and was hung up on the first time after 25min on the phone. then the second call i was told i was being transferred to the a manager but was left on hold for over 20 min. i then again called in and spoke to a supervisor by the name of XXXX XXXX wouldn't give me his last name ) and he stated his manager ID was XXXX. He was un willing to help me at all. basically told me there was nothing he could do that i would have to send in letters or fax the documentation in. this isn't even what i called for. i'm looking for the method of verification that was used to conduct the reinvestigation and the results. I also want to have the account removed since they are not reporting correctly. 

it is under closed installment accounts but the status is charge-off with a past due amount and the total value of the car in the balance section. please see attachments for accuracy discrepancies the account on file is XXXX XXXX XXXX acct : XXXX XXXX
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Information is inaccurate from credit bureau. Report is stating closed from XXXX and XXXX but Equifax is stating open. 
Invalid open dates from all three credit bureaus.Showing a passed due amount when account is reporting as closed. 

Past due stating XXXX Open date XXXX XXXX XXXX XXXX Equifax XXXX
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: EQUIFAX, INC. (IL)

I have been trying to get these fraudulent accounts off my credit reports for years and the credit buearus don't even investigate my claims and just respond that the accounts been verified. But they have never sent me proof of any documents with my live signature that I signed and opened these accounts. I have proof I was incarcerated in jail when these accounts was opened. I have never lived at XXXX either. My information was lost and breached by one of the credit bureaus. I have police reports as well. I had other accounts before that was opened as well, but they was removed. The credit bureaus taking a company word over my word. Its the credit bureaus right to report accurate information and I'm letting them know that the information being reported is not accurate. It's my credit file and I know what I apply for, and I know my rights.
Consumer complaint received 2021-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

This is a continuation of complaint XXXX. I have 3 issues : Issue 1 : On XX/XX/XXXX, I received a letter dated XXXX about why my request to remove to PMI was denied. The explanation stated that my account was delinquent and did not qualify to have PMI removed. 

My account was not delinquent -- I was granted a deferral and deferred 2 mortgage payments. I have never been delinquent. I believe that the CARES Act states that you should not be penalized for a deferral. ( Side note : my deferral was reported to the credit agencies and my credit rating took a hit and I had to make calls to restore my credit ). As my loan has been transferred to Mr. Cooper, this point is moot but I would like to report XXXX for unfair practices. 

Issue 2 : Neither XXXX or Mr Cooper have a copy of my loan modification agreement that was signed ( I believe ) in XXXX. I have requested this document several times. I would like one of these companies to provide me with a copy of the agreement. 

Issue 3 : My loan balance is {$190000.00}. I also have a non-interest bearing principal balance of {$6100.00}. I deferred two payments -- each about {$1400.00}. Since I modified the loan to have the deferred amount put on the end of the loan, I expected to see a balance of about {$2800.00}. No one ( XXXX or Mr Cooper ) can give me a breakdown of what that {$6100.00} includes. I request a detailed breakdown. When I call customer support they are equally as confused and can't tell me why the discrepancy. 

Thank you. 

XXXX
Consumer complaint received 2024-03-23
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. (PA)

The XXXX XXXX XXXX Account- Disputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. TransUnion removed account from Credit Report but XXXX and XXXX did not. ( Report Created On : XX/XX/2024 File Identification Number : XXXX Provided by TransUnion Consumer Relations. INVESTIGATION RESULTS- DELETED : The disputed items ) was removed from your credit report. ) ( In response to your dispute, this item was DELETED from your credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Between XX/XX/2024 and XX/XX/2024, your credit card account with XXXX XXXX XXXX XXXX XXXX XXXX was removed from your credit report. )
Consumer complaint received 2023-02-01
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. (MA)

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 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 2024-03-21
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. (GA)

I sent a letter to XXXXXXXX XXXX about XXXX weeks ago opting out of any and all authorization. I am hereby putting XXXXXXXX XXXX under default per 15 usc 6802. see attached
Consumer complaint received 2023-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (NJ)

The lender UWM has failed in its duty to pay the quarterly property tax/PILOT payments to the town in time although the tax is being escrowed. This has resulted in penalties which, despite UWMs promise, were paid from my account instead of bearing by them. Now the tax for the first quarter was due in XX/XX/2023 but they have failed to make a timely payment and I am receiving reminders from the town. I sent messages on XX/XX/XXXX with a reminder by a secured message and a phone call. 

This has happened previously last year where I had to spent countless number of hours in making them pay the taxes out of my escrow account. I have the supporting messages that I can provide should it be needed.
Consumer complaint received 2023-02-21
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. (CA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-04-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: QUALITY ACCEPTANCE LLC (WA)

When I got into this loan within the first month the engine died I talked to the car dealer to fix it with the due five years ago then since they did not help me my brother referred me to a car company in XXXX XXXX named XXXX XXXX XXXX they convinced me into getting a car from them so after that their car engine died on me too after 2 months so I told them if they can fix it they asked me for XXXX dollars to fix it I paid them and I told them about my suburban so he referred me to his mechanic to get the engine fixed on the suburban so I called the tow truck driver to drive it to the mechanic I notified his mechanic he told me he had no room to store the truck he told me to let XXXX XXXX XXXX to hold it so I did then after the first month of bamboozling me this company placed a lean on my truck and did not even consult my co-signer my mom XXXX XXXX about the crooked deal this company did to me I tried to consult the original car company about the problem and they sold the business I notified the creditor and no help whatsoever