davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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. (MD)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on 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 any item 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. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've contacted Transunion to let them know that XXXX on my account are not showing accurate information I let them know that it should not be showing a late payment. The creditor sent them information to have it removed and they still haven't removed or updated the information Transunion states they are not receiving documents even thorough it was sent out twice Account : XXXX
Consumer complaint received 2019-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

When we bought our home we were under the impressions that we had a fixed rate mortgage. As we have noticed we are constantly getting an increase in our mortgage payments. We have tried to speak to Nationstar Mortgage numerous times but with no one can explain the constant changes in our mortgage payments. 
Our annual interest rate is 7.9017 per cent. We have requested that I interest rate is lowered but so far nothing has been done. 
We had a second mortgage that was given to us at the time we purchased the home and the interest rate was 10.8378 % on an amount of {$57000.00} that we had no idea that was being done until we went to the closing table and no one explained it to us. 
We purchase our own homeowners insurance, we grieved our taxes and we are constantly getting higher payments every few months.
Consumer complaint received 2022-10-10
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: AMERICAN EXPRESS COMPANY (GA)

I received an inquiry on XX/XX/2022 from { Amex } On XX/XX/2022 and XX/XX/2022 as well as XX/XX/2022 I submitted Written evidence as well as documents showing that the information that is being reported is incorrect I am not familiar with this inquiry 100 % no accurate chamges have been made to my report since I have submitted this evidence
Consumer complaint received 2022-05-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CO)

Venmo froze my account saying I needed to verify my government ID after Ive had the account open for over five years. They froze it when I was sent {$2800.00}. I have received various amounts but not that large ; highest was likely {$1000.00} or thereabouts. They have not stated why my funds and account is frozen. They have not explained via the numerous chat inquiries I have submitted and keep postponing the date I will have funds available. Its always 6-7 business days but that has come and gone with no answer from Venmo. I legally and lawfully obtained my funds, as is the profile individual I received from. They have not helped in any way and have now withheld nearly {$3000.00} from me with no answer or solution in site.
Consumer complaint received 2021-09-30
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)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Reason : FDCPA section 807 Violation misleading false reporting Company name : XXXX XXXX Account number : XXXX Reason : Misleading false information This is a HIPPA violation you can not report health information on my credit report Company name : XXXX  XXXX Account number : XXXX Reason : Misleading false information This is a HIPPA violation you can not report health information on my credit report Company name : XXXX  XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Reason : Validate account. Prove it. Give me the signed contract that gives you consent that contains my signature giving you consent to do so Company name : XXXX Account number : XXXX Reason : Misleading false information This is a HIPPA violation you can not report health information on my credit report Company name : XXXX XXXX Account number : XXXX
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: HYUNDAI CAPITAL AMERICA (AL)

I ask for them to remove hard inquires under to The XXXX XXXX, in XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 2007 ) 504 F.3d 792 it decided that without a permissible purpose one is in violation of 15 U.S.C. Section 1681b. Based on this decision, it appears that your agency is in violation of furnishing a copy of my credit report to the below companies.

As the court interpreted and based on has been done in my case, FACTA clearly states that one only has a permissible purpose for obtaining a credit report under 1681b ( a ) ( 3 ) ( A ) and when it is only in connection to a credit transaction in which a consumer has participated directly and voluntarily. I DID NOT DIRECTLY AND VOLUNTARILY SEEK CREDIT WITH THE FOLLOWING COMPANIES and they DID NOT HAVE A PERMISSIBLE PURPOSE.
Consumer complaint received 2022-05-26
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. (OR)

XXXX XXXX XXXX reported that I have not made any payments on my credit card since as far back as XX/XX/XXXX ( possibly longer, but that is as far back as I can see on Experian ). On XX/XX/XXXX, XXXX reported to the credit bureaus that my account was past due. It was not. I have never missed a payment with them, and my credit report shows no other negative information for the entirety of my credit history. I have never missed a payment on any card, including this one. 

THEIR INCORRECT REPORTING IS JEOPARDIZING MY ABILITY TO SECURE HOUSING FOR ME AND MY XXXX YEAR-OLD CHILD, AND OUR LAST DAY IN OUR CURRENT HOME IS APPROACHING QUICKLY. 

I disputed this information with XXXX both via Experian 's website and on the phone with XXXX on XX/XX/XXXX. I spoke with a XXXX representative a couple of days later, and I was told the information was being corrected. Experian showed the dispute as confirmed accurate on XX/XX/XXXX. I called XXXX again and was told again that the bank had corrected the information. I asked for written confirmation of this and was told I could only receive this via postal mail. I confirmed my mailing address and was given case number XXXX. Two weeks later, I have still received nothing, and my credit report continues to reflect incorrect information.
Consumer complaint received 2017-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

Received an alert from Experian that a new account was placed for collection by a company by the name of XXXX XXXX XXXX on XX/XX/17. I do not have a contract or have done business with this company. This new listed collection account has dropped my credit score by several points.
Consumer complaint received 2022-08-16
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. (MS)

Consumer Financial Protection Bureau, Equifax is continuously noncompliances of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2021-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (NV)

We bought our home XX/XX/XXXX. We got approved through Axos Bank, they currently hold the mortgage. Everything was going smoothly up until XXXX of this year XXXX. We were paying the payments over the phone on the Banks automated phone which gave no confirmation number just said payment was accepted. Now in the second week of XXXX we received a default letter stating we did not make our XXXX payment. We then had to send in double payments for XXXX and XXXX which caught us up, the error was Axos Banks error. We thought that the problem was resolved because Axos bank stated that they were having computer issues. From this time on we stopped using the phone and found the internet site to make payments and since we have been receiving confirmation numbers. We have been trying to talk with Axos bank and resolve this but every time we explain where the error started to make it easy for them to correct we get told we will be contacted within XXXX to XXXX hours on this issue and no one ever calls back. We did not realize that from XX/XX/XXXX until now they were putting our monthly mortgage payment as a partial when inturn we have always been making the full payment. Every month they meaning Axos Bank keep sending us default letters and added charges up now over XXXX dollars. A few months back we received a check for XXXX as a rebate from the escrow which makes no sense to us. Our bank records show all of our payments have been current since we first started the mortgage. We get paid the fourth Wednesday of every month as we are retired. Axos bank on the fourth Wednesday of every month gets paid for the next month when the payments are due on the first of every month. The mortgage is paid any where from four to seven days early. We have never missed a payment. We found online a few weeks ago an email address for Axos bank and we emailed them and we were told in email that a lending manager would contact us and noone ever did. They also meaning Axos bank hit our credit which was very good before this now they show on the credit report we are behind a month and the credit went down XXXX  points. We have zero credit cards and we are down to 2 payments remaining on a 6 year car loan and have never missed a payment. This problem all started with Axos banks payment error. They will not correct. Weve contacted them every month when we get the default letter, we even give them the date and month of there error to make it easier for them to correct. Our bank records are our proof of payment every month. This has put an awful strain on us considering we took the loan in the heart of Covid 19 when the country was shut down and noone was working. All we are asking for is this issue to corrected and our credit restored. We can provide all bank statements from when we first started the mortgage to present.
Consumer complaint received 2021-09-30
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. (OH)

I have been filing complaints with this company for months now and I have yet to receive a response about my credit report. I require a full investigation as to why I have not as so much gotten an email about my complaint on these companies who has reported wrong information on my credit report. My credit report has different addresses that are false and I have not resided, therefore these account below are not associated with me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: HUNTINGTON NATIONAL BANK, THE (IL)

My Heloc was modified at or around XX/XX/2023. I continue to make timely payments at the beginning of the month for more than the actual payment. I was continually told that my mortgage payments were late via phone calls and mail notices. However, when I called in to discuss the matter, they told me I paid on time and the payments were more than the minimal payment. The matter was worked out and they said I was paying on time, but my account was charged with late fees. The phone agent stated they could reverse one fee but couldn't address the others. I'm seeking reimbursement for the late fees charged in error. Any assistance will be greatly appreciated.
Consumer complaint received 2022-04-16
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. (VA)

Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see the attached documentation to meet my demands in a timely manner. I have never authorized or gave written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-16
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2016-08-13
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SUNTRUST BANKS, INC. (VA)

I REQUEST VALIDATION THEY COME BACK WITH ACCOUNT HAS BEEN VERIFIED THATS NOT WHAT I ASKED. NO PAYMENT HISTORY. PLUS THESE ACCOUNT HAVE BEEN CONSOLIDATED 9 YEARS AGO
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC. (NE)

I have disputed the Ally bank info @ least once on all 3 reporting companies and obviously they all get the same info from Ally.this acct is from XXXX and should be removed. I have been told by XXXX it would age off XX/XX/XXXX, XXXX XX/XX/XXXX. However now Ally has changed acct closed dates to XX/XX/XXXX. I have been unable to secure an auto loan since this, even though I had a paid as agreed XXXX XXXX just paid off 2mos ago. I was told by XXXX mgrs they have never seen a closed auto loan be re opened ever much less 7 years.later. I can't get any help from credit agencies and don't understand their broken english. I'm not real savy with this but I hope you could investigate and fix.this. I have never filed a cplaint before but I am being mistreated here and if you look at all dates and documents I know you will understand what is going on. Please help, I have worked hard to fix things and now I get turned.down.for.everything. looking.to use my VA loan to buy a home, I'm a 40 % XXXX XXXX XXXX and I'm not asking for a favor just want this.to be fixed correctly. Also I'm sure last payment was in XXXX. I lost my job couldn't make payments and in XX/XX/XXXX I started getting my SSDA and soon after.my Veteran.Diability or this would never happened. That's why I think XXXX last payment.i just want to know when this will be removed as Ally bank is mad at my disputing but I know they have changed dates etc... Very sorry this is long but I'm very upset and can't get help and will this cover all 3 bureaus? Thanx, XXXX XXXX
Consumer complaint received 2022-08-16
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX  XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # 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. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (NV)

On Monday XXXX I tried to transfer {$2500.00} from US bank to my other financial institution. The micro deposits were verified and I attempted the transfer. There was no indication that the transfer did not go through but it did not. Then I needed a second transfer and that time it required a mobile phone to do the transfer. I do not have a mobile phone and have had second verification by email and my home phone with a code. Also, I can not use my home phone to do the online banking because my husband has our only phone number on his account. I read in the articles that it is incorrect to prevent banking activities to someone because of no mobile phone especially a senior. I want to ensure that the transfer is not done because I have already mailed a check and the funds would not be there
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Marlette Funding, LLC (CA)

I was recently a victim of identity theft and it could be due to the data breach at XXXX where I previously worked. This unauthorized use of my personal information has led to several fraudulent activities including the opening of the unauthorized accounts : Best Egg
Consumer complaint received 2023-01-19
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. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELTED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT 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
Consumer complaint received 2023-11-03
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. (NC)

In reviewing the attached credit bureau report issued by 3 BUREAUS, I have discovered an error. The following accounts are reported inaccurately : TransUnion : 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 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 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 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 2022-05-14
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 604 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