davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
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. (CA)

In am a victim of Identity Theft and Inaccurate information reported by TransUnion. After reviewing my credit reports with TransUnion. I noticed XXXX account that are XXXX XXXX accounts that was deleted on XX/XX/20 XXXX by TransUnion # XXXX XXXX XXXX -Account Number # XXXXCurrent Balance XXXX XXXX XXXX XXXX XXXX XXXX  -Account Number # XXXX Current Balance {$25000.00}, and XXXX XXXX XXXX  Account Number # XXXX  Current Balance {$440.00} this inaccurate information is still reporting on my TransUnion Report. This in issue of material fact. There is no doubt that evidence is sufficient and is a genuine is of material fact must be resolved against TransUnion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these items. Congress enacted the FCRA to protect consumer ensuring fair and accurate credit Reporting 15 U.S.C 168 ( a ) ( 1 ). Entities that report information about consumers to credit reporting agencies are called Data furnishers from reporting inaccurate information to CRAs 15 U.S.C 1681s-2 ( a ) -1681s-2 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
I have attached Evidence in this complaint, please see attached document.
Consumer complaint received 2021-01-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I am sending in this complaint in hopes you will look into how Loancare is running there business I had put in a complaint before # XXXX which you ended up closing I believe because of lack of backup or proof in my first complaint. The reason I did not for that is first I had to learn how to scan to my computer so I could send you files. I also had to organize the mess Loancare has given to me. Being XXXX years old it is not easy for me to do, but in the long run I did learn to scan and got things somewhat organize. 

As of today I still have the exact same problems I had last XXXX. Late payment when I was never late ( # 2 A ) and an escrow account I never asked ( # 3A pg 1 and # 3 A pg2 ) for which they opened to try and make me pay insurance cost. I have had the same insurance company ( # 10 E ) when Loancare took over my mortgage. 
Both of these things I have given them proof of. 

There are few important thing I have dealt with with this company that makes me think they need to be looked into and are being dishonest. 
One is I am not the only person with problems with Loancare. On XXXX  they have a page which has quite a few complaint. 
Another is they lie. They lied to you when they sent the XX/XX/2020 letter saying I never responded to their request. I am sending you proof that I did response to their request on XX/XX/2020. They also sent the same letter to the XXXX XXXX XXXX  only changed the CFPB to XXXX. There is also the problem of them going back into my payment history record and changing things around. ( 3A pg 2 and 2 3B pg 1 and 2 ) They started saying I had no insurance on the property around the first of XX/XX/2020 and then later XXXX went back and put down I had no insurance the previous year. 

Please look into this companies practices. {$26.00} false late payment can add up to a lot of money when they charge it to a lot of different customers. 

You do not have to work to correct my situation. I feel somewhat confident I will win in any court. I do not want to go that route, but it looks like Loancare is leaving me no other chose. 

there are three recordings that the system would not let me send
Consumer complaint received 2019-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

I attempted to purchase XXXX tickets on XXXX. The seller accepted my XXXX payment, then failed to send me the etickets, and blocked my phone number. 
He said his name was XXXX, his email is XXXX and his phone number is XXXX XXXX Transaction # XXXX A XXXX XXXX XXXX investigation determined that " one of  the access tokens is registered with Citibank ''
Consumer complaint received 2022-12-29
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. (IL)

For the company to do what is fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer report.
Consumer complaint received 2024-03-25
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. (CA)

In am a victim of Identity Theft and Inaccurate information reported by TransUnion. After reviewing my credit reports with TransUnion. I noticed XXXX account that are XXXX XXXX accounts that was deleted on XX/XX/year> XXXX by TransUnion # XXXX XXXX XXXX -Account Number # XXXXCurrent Balance XXXX XXXX XXXX XXXX XXXX XXXX -Account Number # XXXX Current Balance {$25000.00}, and XXXX XXXX XXXX Account Number # XXXX Current Balance {$440.00} this inaccurate information is still reporting on my TransUnion Report. This in issue of material fact. There is no doubt that evidence is sufficient and is a genuine is of material fact must be resolved against TransUnion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these items. Congress enacted the FCRA to protect consumer ensuring fair and accurate credit Reporting 15 U.S.C 168 ( a ) ( 1 ). Entities that report information about consumers to credit reporting agencies are called Data furnishers from reporting inaccurate information to CRAs 15 U.S.C 1681s-2 ( a ) -1681s-2 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
I have attached Evidence in this complaint, please see attached document.
Consumer complaint received 2021-01-03
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: Capio Partners, LLC (FL)

I was recently observed that on my XXXX report that a company by the name of XXXX reported an unpaid balance on my credit report, amount owing to XXXX XXXX XXXX. I was never sent a bill or was ever made aware by XXXX that I am owing them any money. I have full insurance coverage from XXXX  XXXX XXXX which covers at 100 % thru my employer plus an additional XXXX account with {$2700.00} for the year to assist with co pays if any or any other medical bill payment I only go to my doctor for yearly physical and any screenings they might order as part of that visit. I had plenty of insurance to cover all my medical expenses so I would have no reason to owe any money to XXXX. This bill is not mine and should be removed from my record.
Consumer complaint received 2022-12-29
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: CORELOGIC INC (MA)

On XX/XX/2021 CORELOGIC CREDCO has accessed my credit report from XXXX, and XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (WA)

There is a Citicards credit card showing up on my credit report that should not be there. It says that I am an authorized user of this account. I do not have access to this account. I do not have contact with the primary account holder either. I have not spoken to this person since we broke up about 10 years ago. I do not have any contact information for this person either. I tried calling Citi today XX/XX/2022 around XXXX PST and spoke with 2 different agents. Both agents tried to find me and the account multiple ways unsuccessfully. They couldn't find me by my name, my social security number, previous phone numbers, my maiden name, the primary 's full name, the primary 's previous numbers and address, etc. I also gave them all of the information I had on the account that I could see on my credit report. They were still unable to locate me or this account and insisted that it may be a Costco card. I was told that since they can't find me on any accounts, I would have to get the primary card holder to call them to remove me. This is just a giant circle. I can't get in contact with this person as I said before. I haven't had contact with him in almost a decade. How am I supposed to get him to do this? I am stuck in an unending loop and unable to free myself and my credit reports from this account.
Consumer complaint received 2024-03-25
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. (MA)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2023-06-01
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2020-06-12
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. (IL)

Equifax ; XXXX and XXXX are reporting incorreclty that I am ( 90 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (MD)

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 2021-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (TX)

I am un essential worker affected by Covid 19 pandemic I was very sick not able to work, speak and eat for several time, My wife contacted credit card banks on my name by phone on XXXX XXXX requesting help with payments assistance with my auto loans and credit card payments because COVID 19 pandemic effected me. Home mortgage and auto loans banks and credit cards creditors help me with this request and agree to put my accounts of a DEFERMENT plan FOR 3 MONTHS I was happy with this. BEFORE BEEN INFECTED WITH COVID 19 I NEVER WERE LATE ON MY PAYMENTS I HAVE 100 % ON TIME PAYMENTS RECORD. all my family got infected with this terrible virus our economical situation was very bad we only can be thinking in how to fill better to return at work nothing more. 
Later I found a very unexpected notice my credit cards. XXXX XXXX, XXXX XXXX XXXX AND BARCLY**XXXX THIS THREE BANKS reported late payments on my credit reports Missing payments on XXXX, XXXX and XXXX I mailed several dispute letter to credit report agencies XXXX, XXXX, XXXX  and to my creditor but they don't want to correct this wrong information they want me to prove them when I called to request help how can I prove it do I have to record every calls? AT THIS TIME I PAID ALL MY LATE PAYMENTS I AM NOT BEHIND I just want to update my account same status It was before differed payments plan I KNOW I am protected by CARES ACT I LOOSE A VERY GOOD JOB OPORTUNITY BECAUSE THIS WRONG MARKS ON MY CREDIT REPORTS I am looking for legal advice to move this to a court room if this banks don't correct this in 30 days. 
Thanks
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXXI spoke with a agent to only show my correct address and spelling of my name. I ask them remove all wrong information it is still on mt credit report. I need action taken as soon as possible.
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am a Bank of America account holder. I hold a joint account with my husband. 

XXXX. XXXX years ago, myhusband had a debit card linked to the joint account. It was never used ( as you can see in the acct history ) - it was removed from the mail, activated, locked, and placed directly into a safe no one has access to. The card was hacked. We got an alert that a charge was pending for the card and immediately called Bank of America to have the card reported/cancelled. I inquired howa card that has never been used would be hacked, they named various possibilities, to include someone in the home breaking into the safe and selling the card number. Living in my home, I knew this was a Bank of America security issue. 

XXXX. XXXX year ago, the same exact thing happened. His replacement debit card, which was never used, locked, and placed immediately in a safe was hacked ( by a fake merchant posing with a name link XXXX ). Again, there is no way anyone outside of Bank of America could have this card number. Again, I inquired how a card that has never been used could be hacked and the BoA associate again directed me to think about my home and how this could be occurring- including blaming my husband and insinuating he was doing this without my knowledge and also asked if we know any XXXX XXXXXXXX. This week, the same exact thing happened. His 2nd replacement debit card, which was never used, locked, and placed immediately in a safe was hacked ( by a fake merchant related to XXXX testing ). Again, there is no way anyone outside of Bank of America could have known this card number. Again, I inquired, in frustration, about how this could possibly happen. The card was locked and this time, the charge even went through- it officially POSTED to the account, for {$1.00}. The associate told me that maybe the mailman has a card reader. This is obviously illogical because a mailman could not coincidentally hack the XXXX cards that have never been used but never any other cards that are mailed to our house. 

We have other credit cards in the safe- none have ever been hacked except the XXXX Bank of America XXXX that NEVER has been used or has even left our home. My frustration has increased over time and especially with this most recent time, the THIRD time, when associates still will not listen that this needs to be investigated by Bank of America. This is not an issue occurring within my home. I have multiple bank accounts/cards. Never, have I ever, experienced anything like this with any other account. Based on that fact, and my statement that it has been locked in a safe and never used, I believe Bank of America, in addition to allowing the crime, does not do due diligence in investigating claims made by its customers.
Consumer complaint received 2023-06-01
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. (NC)

This is XXXX XXXX XXXX please 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 2022-12-29
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. (MD)

On XX/XX/2022, I completed a CFPB complaint on XXXX, TransUnion, XXXX XXXX, XXXX, and XXXX regarding a bankruptcy report that is showing on my credit report. This is inaccurate information. None of the credit bureaus responded to a letter that I previously sent them in XXXX of 2022. So, I had to do a CFPB complaint to get some actual results and that still wasn't to my satisfaction as there was no method of true verification. The following are the laws that were violated : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 3. 15 usc 1681a- ( e ) I did not give a Permissible purpose nor did they have my written instruction. I also contacted the US Bankruptcy Courts and they mailed me back a letter dated XX/XX/XXXX stating that they do not send information to the credit bureaus. So, the claim that it was verified by the US Bankruptcy XXXX XXXX XXXX, MD is not accurate. PACER also states on its website that they do not provide information to third parties either. I will be attaching both of those to this complaint. I will be attaching my driver 's license and a copy of a power bill.
Consumer complaint received 2020-06-11
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. (GA)

I have many attempts to remove some items from my credit that does not belong to me. I think they are caused by identity theft. I am often out of town or the country for government contracts. Someone may have used my information. I sent a letter to the credit bureaus on XX/XX/2020, but that situation has not been resolved.
Consumer complaint received 2024-03-26
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. (KS)

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.
Consumer complaint received 2024-03-26
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. (FL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I asked the credit reporting agency to investigate the items below on my credit report in XX/XX/2022 and they failed to do so according to 15usc1681 ( a ) : ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 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 from 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.

They did not conduct an investigation into the disputed items below and this is causing me financial hardship and impairing my living. They are violating my federal rights. I will pursue legal recourse if these inaccurate items are not removed. My attorney is drafting a formal complaint for the FTC and attorney general. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

I'm a residence of New York XXXX XXXX the hardest hit by XXXX, I am also a father of XXXX .I have been hit with a financial hardship after I been tested for XXXX we are down to single income ( PLEASE KEEP CONFIDENTIAL ). I will be sending my kids to live with their mother. When i am in self-quarantine i have reached out to all my creditor to explain my situation. I have tried many times to reach out to PPH/Ocwen but with no help. Please I am asking for the help of PPh/Ocwen.