davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-06-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldridge PIte Haan, LLP (GA)

Account has been paid in full. XXXX XXXX forwarded my file to a law firm- Aldridge , Pite & Haan . I made the following payments : XX/XX/XXXX- {$640.00} XX/XX/XXXX- {$230.00} XX/XX/XXXX- {$68.00} These incompetent, morally corrupt lazy people have not reported this  accurately to the credit bureaus leaving my credit score to be adversly affected while i am trying to buy a house. Ive called numerous times and spoke to several people and they refuse to remove this from my credit report. I have disputed this information 4 times and each time they state that the information is correct on my credit report and it clearly is not!!!!
Consumer complaint received 2020-04-29
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (GA)

Option one mortgage company. XXXX  XXXX XXXX XXXX, has fail too give me the ownership paper too the company. Operational agreement, spendthrift paper too me as to new owner and beneficiary. From the old owner. I need cpa accounting too what yall been doing with my money, my companies make .and a copy of the operational agreement, from the old owner XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX  XXXX , XXXX XXXX . XXXX XXXX,
Consumer complaint received 2023-04-17
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. (LA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2023-04-17
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. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-14
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. (MO)

I have wrote Experian, XXXX, several times asking them to check into an Acct # XXXX for XXXX XXXX XXXX. I have ask both, for their method of investigation on this account, and to send me paperwork proving they investigated this matter. 
Experian reports Not paying as agreed. Though XXXX reports paying or paid as agreed. XXXX reports this account paid as agreed and deleted it due to so many inaccuracies. So which is it? I have the right to a 100 % accurate credit report. This report is clearly inaccurate. In accordance with The Fair Credit Reporting Act, 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 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 reason. 

I have also ask Experian to remove a discover inquiry off my credit report. It is NOT my I inquiry! I have contacted XXXX, they investigated the problem, set me a letter to remove inquiry. Then a second one popped up on my credit report. After being ask several times, Experian wont remove it. Knowing the issues Ive had with XXXX. 
I will never apply for credit at that company. Not real fond of them.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It has come to my attention that your company is reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. 1681a ( f ), you are governed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that its the responsibility to ensure that all information contained within consumer files is accurate and free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. 1681 ( d ), to third parties. 
According to Federal Law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681, et seq., including but not limited to : 1 ) Follow Reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., Burke v. Experian info. Sols., Inc. , 2011 WL 1085874, at *4 ( E.D. Va Mar. 18, 2011 ) ( breaking down the requirements of 1681e ( b ), and explaining that assure means to make certain : put beyond all doubt, maximum means to the greatest quantity or highest degree attainable. 
2 ) Comply with the investigation requirements, as required by 15 U.S.C. 1681i ; For your convenience, provided below are a list of accounts that need to be removed as stated by the FCRA standards. These listed accounts have been investigated, not verified, and removed by Transunion XXXX XXXX. Please correct this by removal of these items from my consumer report so that my report reflects maximum accuracy. I have never given my written consent for these inaccurate items to be furnished on my private personal consumer report. Thank you. 
Upon competition of your adhering to my request, please send a detailed description of the procedures used to VERIFY the accuracy of the accounts/items I am disputing, as well as the name and contact information of the agent conducting the said investigation, incase further action/communication is necessary if you dont not adhere to my request. 
Please remove these accounts from my Consumer report so my report can show maximum accuracy : XXXX XXXX XXXX XXXX Please verify and validate & delete!!!! This account is reporting inaccurate information, incorrect balance, incorrect payment history, no open date, also reporting an increase in the balance and the account is written off, Please delete this account from credit file, it is severely impairing me from getting a mortgage and obtaining credit.
Consumer complaint received 2023-01-03
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. (PA)

I have filed disputes with the credit bureaus in regards to several accounts listed on my credit report. On XX/XX/2022 I sent in off a investigation letter to check the accuracy of the accounts on my report and to make sure my accounts were properly investigated and 100 % accurate. The credit bureas reported that the following accounts were accurate XXXX XXXX XXXXXXXX {$1700.00} {$340.00} {$4900.00} {$3000.00} {$5100.00} {$5200.00} {$2500.00} {$2600.00} {$1200.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXX XXXX The credit bureau violated ; 15 usc 6802 section A, B, and C ; 15 usc 1681 a section i ; 15 usc 1681 section b. The law clearly states that a consumer reporting agency can not furnish a account without my written instructions. I havent given any written permission to furnish these accounts on my credit report. I am asking for a removal of all accounts listed.
Consumer complaint received 2024-03-24
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. (NC)

This is among several complaints I've filed as a victim of identity theft. I'm disputing specific accounts in my file that stem from this crime. The account in question has no association with any transactions for goods, services, or money that I've authorized or made. It's entirely unfamiliar to me. Additionally, some information provided on certain accounts has been removed from other bureaus, raising doubts about its accuracy. The reported payment history on some accounts is also unclear to me. I request that any information in my credit file resulting from alleged identity theft be blocked from reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-17
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. (GA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-11
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. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the 3 CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXXXXXX Balance Owed : {$4200.00} ; XXXX  XXXX XXXX Balance Owed : {$4500.00} ; XXXX  XXXX XXXX Balance XXXX XXXX {$2700.00} ; XXXX  XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$2100.00} ; XXXX  XXXX XXXX Balance Owed : {$12000.00} XXXX
Consumer complaint received 2023-07-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MN)

Property theft exceeding {$130000.00} by XXXX XXXX XXXX, attorney of USBANK CORP Was done in retaliation for reporting his crimes of perjury in the quit claim hearing. 

This was Against the knowledge and intent of the Lien Property theft exceeding {$130000.00} by XXXX XXXX XXXX, attorney of USBANK CORP Requesting UNITED STATES MARSHAL PROTECTION for my wife XXXX and Myself from the racketeering debt collectors and thugs
Consumer complaint received 2023-04-17
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)

I am re-submitting my CFPB Complaint to express my extreme dissatisfaction and outrage at the fraudulent items listed on my credit report. It is unacceptable that several items, which I did not open or have any knowledge of, are present, indicating identity theft. The fraudulent account details, including [ list details ], violate my rights and have severely impacted my financial standing. I demand that you investigate and remove these items from my credit report without delay. Please remove the following items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX, XXXX, XXXX. As a consumer, I have the right to dispute any inaccurate information on my credit report, and under the Fair Credit Reporting Act, it is your legal obligation to conduct a prompt and thorough investigation. Please provide me with a written response detailing the results of your investigation and the actions you have taken to rectify this situation.
Consumer complaint received 2016-10-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

I received my XXXX 2016 statement from Seterus showing A total amount due of {$3300.00}, showing a past due amount of {$1600.00}. I immediately called Seterus on XXXX/XXXX/16 and talked with XXXX XXXX. She told me everything was OK. I asked why was it showing I owed for last month when the check was received by them and paid to Seterus on XXXX/XXXX/16. She stated that the payment is due on the XXXX of each month. However, it will not be reported to the Credit Bureau unless after the XXXX of the month. I indicated to her that this does not made any good sense and asked her if this is going to happen every month showing no payment received and why were their system changing to show no payment had been made. I noted that nothing had been applied to the Principal, Interest nor Escrow and the Outstanding Principal Balance remained the same as the XX/XX/XXXX statement of {$180000.00}. I assumed it would be corrected on the XX/XX/XXXX Statement. However, when I received my XX/XX/XXXX Statement, it showed, again, that I was past due for the previous month. The Principal, Interest and Escrow is incorrect because nothing was credited for XX/XX/XXXX as well as the outstanding Principal Balance. There are serious errors with these statements and I want the proper credit for the month of XX/XX/XXXX because nothing was credited as well as stop showing that I am a month behind on every statement because this is inaccurate.
Consumer complaint received 2023-07-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation (FL)

I am seeking a correction regarding an event occurring XX/XX/XXXX I was notified of a late payment regarding my account. My account was scheduled for auto-pay and I have enclosed an ACH transaction receipt number with this letter showing that XXXX withdrew XXXX from my account. After speaking with XXXX customer representatives to rectify the situation I was instructed to fax proof to the XXXX XXXX  department, the enclosed ACH transaction number was sent in the fax. After sending the fax there was no follow-up or communication from XXXX regarding the issue or notifying me that the investigation was closed. 
This error caused my account to become delinquent and according to XXXX customer service representatives, this caused my auto-pay scheduled for XX/XX/XXXX to not draft since XXXX had not credited the XX/XX/XXXX payment. At no time has my account settings changed to deactivate auto-pay. As I have not been delinquent prior with auto-pay scheduled and functioning properly, I was unaware that the payment was not drafted until receiving correspondence from XXXX. Most recently I spoke with a customer service representative that notified me that the last written request sent in XXXX, XXXX to address this issue was closed without my notification and XXXX investigated the wrong date and event. From this conversation occurring on XX/XX/XXXX I was notified that a ticket with roughly the following information was executed by XXXX in XXXX of XXXX. 
TICKET NUMBER : XXXX CONFIRMED WITH CLIENT TICKET. 
TO REVERSE PAYMENT ON XX/XX/XXXX AND APPLY ENTIRE {$3700.00} AS A PRINCIPAL CURTAILMENT. 
A series a XXXX Reversals on the account payment history to occurred on XXXX XXXX along with a Principal Curtailment of {$3700.00}. On XX/XX/XXXX the funds appear to be inappropriately reapplied as mortgage payments. This caused me to have to pay an additional mortgage payment on XX/XX/XXXX to bring my account to good standing as XXXX had not credited any prior payment spanning from XXXX to XXXX as current. XXXX has reported a negative credit report that should not have occurred, which has severely affected my personal XXXX XXXX.
Consumer complaint received 2018-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

I PAID MY MORTGAGE IN THE USUAL FASHION AS ALWAYS ON LINE,,, THIS MONTH FOR SOME REASON ALL PAYMENTS CAME IN TOGETHER AND OCWEN COULDNT GET THEIR PAYMENT..TO AVOID CONFUSION I PUT MONEY IN ANOTHER ACCOUNT OF MY DAUGHTERS AND PAID THRU THAT ACOOUNT ON A TAPED LINE AND THEY SCREWED UP THE PAYMENT BY SUBMITTING IT AS A SAVINGS ACCOUNT NOT A CHECKING ACCOUNT THEY DID NOT INFORM ME UNTIL TODAY THAT THEY MADE THE ERROR AND TRIED TO BLAME ME BUT THEN THEY ADMITTED THEY SUBMITTED IT INCORRECTLY ... THEY TRIED TO GET A LATE FEE FROM ME AND THEN TOLD ME I CANT USE THAT ACCOUNT AS IT WAS MARKED INVALID IN THEIR SYSTEM DUE TO THEIR ERROR..THEY CLAIM IT WILL TAKE A WHILE TO FIX AND IT COULD BE MMARKED AS LATE ON MY CREDIT THET REFUSE TO GIVE ME A TIME FRAME TO FIX THEIR MISTAKE ... THEY HAVE DONE THIS TO ME IN THE PAST
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

n accordance with the Fair Credit Reporting act XXXX Account 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 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX XXXX XXXX XXXX