davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX, and TransUnion have reported a 30-day late payment from XXXX XXXX XXXX XX/XX/XXXX I have previously disputed. I reached out to XXXX XXXX on this matter and they told me it was paid 3 days within the statement date and should not be reporting as late on my consumer report. I sent a letter via mail on XX/XX/XXXX asking to mark it as OK on my consumer report. I received a late response from XXXX and TransUnion via mail explaining the account has been verified. In return caused my credit score to drop dramatically affecting my livelihood. XXXX never sent any mail. I sent out a 2nd round of letters on XX/XX/XXXX asking how they verified the account, I dont agree with the results of your investigation. Please mail me proof of your investigation or remove the negative information. XXXX and TransUnion sent a letter back saying " THIS ACCOUNT HAS BEEN UPDATED ''. XXXX didn't send a letter. I would like my XXXX points to get put back on my credit score from the dispute and the late payment marked as OK. It has been brought to my attention several violations according to 15 us 1681s, 15 us 1681a, 15 us 1681a-2 a few among others.
Consumer complaint received 2022-11-15
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. (MT)

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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov 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, I found that under section XXXX ( a ) XXXX, XXXX, and TransUnion shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX, XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX, XXXX Balance {$0.00}. 

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.
Consumer complaint received 2023-05-23
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: PENTAGON FEDERAL CREDIT UNION (GA)

Three companies made a hard inquiries on my credit report on XX/XX/2023. Pentagon FCU, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The number that was listed for XXXX was XXXX but their mailbox was not set up. The other two was not listed on the report.
Consumer complaint received 2017-05-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

XXXX  Email : Phone Number :  XXXX   XXXX   XXXX  My  name is   XXXX   XXXX  I 'm a   XXXX   for 25 years. My mother died last year in  XX/XX/XXXX . She left me her home with a quit claim deed which was recorded. I sold it short sale to her neighbor for decades, who also is a  XXXX , We did a contract which was accepted by  XXXX   XXXX   XXXX  a servicing agent with an appraisal. The bank sold the loan to  XXXX  which also accepted the contract for a second time with an an appraisal.  XXXX  sold the loan to a local bank called  BAYVEIW i n  XXXX  Florida, who ignored our offer as well as went into my deceased mothers house illegally with a lock smith and sent a preservation team to her house. ( let me preface the fact this is not a foreclosure it is a short sale and I have all the rights to this home ) I went to the house and all her exotic plants were stolen, all her tree were cut down and all pool, patio, gardening equipment was piled in her house. It was a disaster. I called the police and filled out a report. Then the following week I drove by again a caught a company in my mothers house hired by BAYVEIW covering her pool illegally. I called the police again and filed a second report. They finally responded to our purchase offer and came back with an over inflated appraisal and is refusing an appeal. They are trying to force my hand for a deed in  llueof  a foreclosure which I will NEVER SIGN TO THEM!!!! We have   XXXX    prior accepted contracts with appraisals ( appraisals are under strict laws ) The  home needs over {$100000.00} worth of repairs which we can substantiate with contractors reports! They are disreputable thrives, crooks, and robbers. I 'm currently undergoing active  XXXX   XXXX  for a very aggressive  XXXX  and I 'm overwhelmed by their blatant disregard for the law entering my deceased mothers home and Ws honestly traumatized being this was the home I grew up in which my my father purchased  2     years before I was born bac k in 1963. I 'm  grieving the loss of my mother terribly and this crooked bank trashed her home which I have pictures. I have pictures from the   XXXX   previous appraisals and contractors to substantiate what these people did to my mothers home. I have the lock box they put on her home. I just want them to sell to my purchaser at fair market value which they are refusing!!!!! I NEED HELP!!!!!   I 'm very sick from the  XXXX  and recovering from  XXXX  and want to expose this bank for the railroading!!!!   They are trying Thank you,  XXXX   XXXX   XXXX
Consumer complaint received 2022-11-25
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)

I called the XXXX and Equifax credit Bureaus after I purchased a credit report with XXXX last XXXX XXXX, 2022. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile. I sent a letter to the 3 credit bureaus on XXXX XXXX, 2022. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my previous complaint and hoping that this XXXX XXXX XXXX late will be removed.XXXX XXXX XXXX XXXX  Balance : {$94.00}
Consumer complaint received 2022-11-29
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Consider this as a follow-up to my previous attempt to file a complaint Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$330.00}, XXXX XXXX XXXX Balance : {$400.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XX/XX/XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-05-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

On or aroun d  XXXX - XXXX -17 I  called  XXXX  ( home equity loan ) to see if my auto draft payment of  XXXX  could be moved from   XXXX - XXXX -17 to  XXXX - XXXX -17. I  was told my  Loan has  been sold to  Select Portfolio  Services. I was told I would not incur any fines or fees during the transition and that it would probably be abo ut 2 weeks  befor e SPS  would contact me and not to worry about the payment. I looked them up immediately and decided I was going to help all the people they are currently ruining their lives.     I received the first letter from them on or around   XX/XX/XXXX . The letter is dated  XXXX - XXXX -17. The  letter asked for my and my wife 's SS number. I attached the letters. I called your office and spoke to  XXXX . I asked if I was obligated to send personnel information to them. She could not locate an answer but was very nice and aware of SPS and their fraudulent activity. I told her I would start a complaint but decided to wait until they tried it on me.     I recieved a " Hel lo Letter  " dated   XX/XX/XXXX  that o utlined my account. Yesterday I called SPS for the first time and spoke to  XXXX   XXXX . I wanted to know what the Unapplied fees were and why they were added to my mortgage payment. She somewhat explained that it was probably over payments from   XXXX   and I could use it towards my monthly payments or my late payments. I asked what late payment. She said I had a payment du e on  XXXX - XXXX -17 for  some  XXXX  dollars. I advised my first letter was dated   XXXX - XXXX -17 a nd no where on the welcome letter does it say I have a late payment. Right from the start they are playing a game to get my house. what should I do next
Consumer complaint received 2022-11-15
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. (NJ)

Hello my name is XXXX XXXX and I have been a victim of Identity Theft! 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2022-11-15
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. (CA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the misleading information on these accounts : XXXX BANK XXXX, XXXX BANK XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

On XX/XX/2022 I the consumer received in the mail correspondence related to an alleged debt owed. It was sent from a third party that I never gave permission to make contact. My privacy was violated and further this communication indicates a credit that should be in good faith refunded to me.
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. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-11-28
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. (MA)

Somebody tried opening a {$15000.00} loan in my name in a bank  out of state. I tried contacting the bank  to get the situation taken care of and they never contacted me back.
Consumer complaint received 2022-11-15
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. (IN)

I HAVE TRIED TO SUBMIT THESE PREVIOUSLY TO THE CREDIT BUREAUS BUT HAVE NOT RECEIVED ANY RESPONSE SO I AM RESUBMITTING THESE NOW. I BELIEVE I HAVE RIGHTS TO RECEIVE FAIR TREATMENT AS A CONSUMER
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX  || Date of inquiry : XX/XX/year>
Consumer complaint received 2023-01-05
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: JPMORGAN CHASE & CO. (IL)

You will not believe this... 

This is a follow up to complaint XXXX that was already closed. In this closed complaint, Chase bank ran a hard inquiry on my credit for credit limit increase after saying over the phone twice that there would be no hard inquiry. Chase ran an investigation and confirmed the representative did give me wrong information after reviewing the call ( documented in complaint XXXX ) but said they would not remove the inquiry because of that as credit limit increases are assumed hard pulls. 

My question is, " Who should be doing the assuming??? '' I have other banks that don't do a hard pull so that is why I made sure to ask before applying for a credit limit increase. Chase launched a second investigation on my case. 

Chase called me today with results from that second investigation and said after review of the call, Chase determined that it was hard to hear the phone call and that I didn't hear the representative correctly when he said " there is no hard inquiry ''. Chase is now claiming the representative said " there would be a new inquiry ''. 

The first investigation already confirmed I was given wrong information by the representative. This call from Chase today was so ridiculous I had to file another complaint. The lies are just unacceptable. 

Just do the right thing. Chase made a mistake and a customer suffered for it. Repair the wrong. I'm not sure why Chase would rather launch multiple investigations and make up lies instead of just doing the right thing.
Consumer complaint received 2022-11-17
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. (GA)

I have rights under 15 USX 1681.

Equifax is governed by 15 USX 1681, and they violated my rights numerous times. I demand the accounts listed below be removed ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USX 1681 ; I have the right to privacy and I did NOT give Equifax permission to furnish these accounts
Consumer complaint received 2023-01-05
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. (CA)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2019-05-14
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. (TX)

Equifax and XXXX are reporting incorrectly that I am 90 days past due on the US DEPARTMENT OF ED and US DEP ED accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5 and 6 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-14
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: SUNRISE CREDIT SERVICES, INC (FL)

XX/XX/XXXX Sunrise Credit Services Inc notified me that a XXXX bill is overdue for {$1700.00} ; I called them 3 times and said it is NOT my bill, it is my son and daughter who kept XXXX ; I left them in XX/XX/XXXX and went to XXXX XXXX ... My tel number was an d is XXXX.. Th ebill they send as proof was not my number. I NEVER SIGNED A CONTRACT WITH XXXX. Someone forgeed my name on papers they sent me. I offered my licence as proof.

They never reponded after 2 disputes in XXXX XXXX XXXX.
Consumer complaint received 2022-11-15
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. (FL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.