davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-19
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: EQUIFAX, INC. (TX)

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3500.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5800.00} Status Open. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Open.
Consumer complaint received 2019-12-04
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: Experian Information Solutions Inc. (AL)

I have sent letters on 3 different occasions ask Experian for their method of verification for a XXXX account that I told them wasn't mine each time I've never gotten a response as to how they verified the account just a letter saying it was verified. I also reached out to the collection agency that has the account and asked the same and they just sent me a bill and told me to make a police report
Consumer complaint received 2019-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (AL)

I co-signed for a mortgage loan through Navy Federal Credit Union in XXXX of XXXX. My parents have occupied the home. I have never lived there. In XXXX of XXXX I and my husband filed for Chapter XXXX bankruptcy. My lawyer had me sign an affidavit to remove my name off of the mortgage with Navy Federal Credit Union. It was granted by the court in Bankruptcy Court of XXXX Al. My mother continued to make payments ( which were 20-25 days late at time though ) but the Navy Federal Credit Union told her that no payments would be applied until my bankruptcy was XXXX. My mother missed the XXXX payment and my bankruptcy XXXX on XX/XX/XXXX. Since she has made several payments as of XX/XX/XXXX ( I believe {$1500.00} total, but the cost went over {$2500.00} in late fees per Navy Federal Mortgage department. They started sending threatening letter after letter to me ( which I'm by law no longer on the mortgage ) my husband XXXX XXXX XXXX ( who filed for bankruptcy jointly with me, but was NEVER on said mortgage and NEVER had any involvement with it, letters were sent to our home address which is in no relation to a loan or any form with Navy Federal. They have been sending threatening letters to my father XXXX XXXX XXXX who is also NOT and never has been on the mortgage. I have all of the letters but I need to know who my mother ( official person on the loan ) myself ( removed from the loan ) and my husband XXXX XXXX XXXX ( never affiliated on this loan ) need to contact? Navy Federal Credit Union told my mother today ( when she made yet another payment ) they can contact my husband over the life of the loan because he is my spouse and I am on the loan ( which I am not and haven't been since XX/XX/XXXX ). I have all letters from Navy Federal Credit Union and payment confirmations. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-04
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. (MN)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.
Consumer complaint received 2019-12-04
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: Experian Information Solutions Inc. (VA)

- - ______XXXX XXXX______ _______XXXX XXXX XXXX _____ XXXX XXXX VA XXXX- - _____FORMAL Complaint about XXXX XXXX and Experian the credit bureau to stop their retaliation , discrimination and abuse against an American Taxpayer - - 1-The complaint is forced to be reported to the CFPB as first legitimate taken action about Experian and XXXX XXXX  unlawful manipulating of XXXX XXXX personal information data in his Experian credit report that is at least stored and administered by Experian.

2- the above referenced two corporates are alleged to have committed fraud, financial crime and other unlawful acts against the rights of XXXX XXXX XXXX XXXX believes he can prove with clear convincing evidences at any time and at any entity with jurisdiction that the two corporates To cover up their crimes alleged in prior filings against them that were filed by XXXX, they engaged in deleting, manipulating, miss-representing and fraud against XXXX XXXX Information Data that they were trusted access to but they breached that trust and moreover they both broke the law.

3-they breached trust, terms and conditions, contract, FCRA, CFPA and other anti-retaliation provisions recklessly and knowingly to cause all kind of harms against XXXX XXXX for his previous Reporting to government against the two corporates in separate cases.

both respondents must stop their retaliation and they must pay huge legal consequences for their illegal acts against an XXXX taxpayer XXXX XXXX. -As a reference Experian credit report XXXX as provided by Experian indicating date XXXX XXXX is contested for the reasons explained at least herein.

- Please note : Each of the two corporates responses or non-response to this legal complaint will be used against each of them at any time and in a court of law. 
-. - All stated herein is to XXXX XXXX current states belief, knowledge and understanding and it is subject to any correction or change of any kind at any time and only by XXXX XXXX or his legal representative if any and without waiving his rights under any circumstances. 
digitally Signed and Filed XXXX XXXX within CFPB by XXXX XXXX -
Consumer complaint received 2019-12-04
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. (MN)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-02-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (AL)

I RETURNED THE GLASSES TO THIS COMPANY AND THEY HAVE NOT REFUNDED MY MONEY YET!!! THEY HAVE LIED TO ME CONSTANTLY ABOUT THE REFUND POLICY AND I CANT GET NEW GLASSES BECAUSE THIS COMPANY HAS NOT REFUNDED MY MONEY. I WENT TO THE LENSCRAFTERS IN XXXX ALABAMA ITS JUST A BUNCH OF RACIST, INSENSITIVE PEOPLE WORKING THERE THAT DON'T CARE
Consumer complaint received 2019-12-04
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XX/XX/2019 sent in a request for removal of acct number XXXX us bankruptcy court because credit bureau can't give me proof of verification from local court office ... .the local court office has informed me they do not complete third party requests for verification
Consumer complaint received 2019-12-04
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. (MN)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.
Consumer complaint received 2024-03-16
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$940.00} - Late/OPEN - XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$820.00} - Late/OPEN - XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$350.00} - Late/OPEN - XXXX, XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$830.00} - Late/OPEN - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$760.00} - Late/OPEN - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$1700.00} - Late/OPEN - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$430.00} - Late/OPEN - XXXX, XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - $ XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - $ XXXX Late/OPEN - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$420.00} - Late/OPEN - XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - $ XXXX Late/OPEN - XXXX, XXXX, XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I saw a hard inquiry on my credit report back in XXXX made by XXXX on my TransUnion and XXXX credit reports. I called all three companies to notify them that I didn't authorize the inquiry and it was not made by me. I then put a freeze on my credit with all three credit bureaus. I was told it would take XXXX months for the inquiry to be removed by XXXX, XXXX, and TransUnion. I've recently removed the freeze from XXXX, TransUnion, and XXXX. The changes haven't been made and it's been 5 months.
Consumer complaint received 2023-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I am writing to file a formal complaint against LVNV Funding, LLC regarding their collection activities related to my consumer report. I believe that their practices have been unjust and in violation of my rights as a consumer. I have been receiving collection communications from LVNV Funding, LLC, Resurgent  and XXXX XXXX XXXX, whom i have never heard of or had any contract with, demanding payment for a debt that I am not entirely certain about. Despite my requests for verification and validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), I have not received any substantial evidence to confirm the validity of the debt they are attempting to collect. I kindly request that the Consumer Financial Protection Bureau investigate my complaint against XXXX XXXX, XXXX. I believe that their actions have not only been unfair, but also potentially illegal, and I seek resolution and appropriate action to rectify this situation. 
At this point I do not know what to do as there inaccurate reporting on my consumer file is hindering by ability to purchase my first home. Thank you for your time and assistance in the matter.
Consumer complaint received 2023-11-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute the accuracy of information on my credit report. I recently obtained a copy of my credit report and was dismayed to discover that there are inaccuracies present that are adversely affecting my creditworthiness. The specific concern pertains to the reporting of late accounts, which I believe are incorrect and unjustly tarnishing my credit history. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have diligently reviewed my financial records, and I can confidently state that the reported late payments are erroneous. I have always strived to meet my financial obligations promptly, and any deviation from this commitment is a genuine mistake. I request your immediate attention to rectify this situation and ensure that my credit report accurately reflects my credit history. 
I have previously submitted a dispute regarding these late payments, but it appears that my concerns have not been adequately addressed. This oversight is both frustrating and disheartening, as the inaccurate information continues to have a detrimental impact on my creditworthiness. I am seeking your assistance to promptly investigate and correct these discrepancies.
Consumer complaint received 2023-11-29
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. (FL)

On XX/XX/XXXX I filed disputes with XXXXXXXX XXXX XXXX and XXXX XXXX through transunion 's online portal. On XX/XX/XXXX the disputes were finalized and the report from transunion indicated the the disputed items were deleted from my credit report. I reviewed my credit report to only find out that although the investigation report came back as deleted from my credit report, the above 2 items still remained on my credit report. On XX/XX/XXXX I called transunion and informed the customer service rep. that the items that were stated " deleted from your credit report '' were still showing on my credit profile. The rep. advised me that she was going to escalate the call to a different department, but they were closed on weekends and would call me on Monday, I did not get a call on Monday XX/XX/XXXXXXXX I called back on a few occasions and no one was able to help me. I called back today XX/XX/XXXX and the rep told me that he couldn't figure out why the items were still showing on my credit profile because the investigation shows the items should have been deleted. He also told me that I should file another dispute to delete the items again. I asked him why should I file another dispute when the investigation came back stating the items were deleted, he could not give me an answer. I have included the investigation report showing the items were supposed to be deleted and also the front page of my credit report showing the items are still on my profile. 

TransUnion 's contact information TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX By Phone : ( XXXX ) XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I, XXXX XXXX, am acting on my own as a natural person and consumer. 
There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 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 the 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! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete these items listed below IMMEDIATELY! 

ACCOUNTS/ INQUIRIES/ COLLECTIONS/ ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose 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 behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: SEACOAST BANKING CORPORATION OF FLORIDA ()

Was happy customer of XXXX XXXX .bank bought out XX/XX/XXXX by seacoast Bank XXXX I live in XXXX but a Us citizen. Never received debit card?, they promised XXXX XXXX to move money and close acct. Never complied. Tried to do a wire transfer to a friend in XXXX XXXX XXXX XXXX acct nada. Spoke wut various managers over this month including XXXX XXXXXXXX XXXXr manager. Communication very difficult from XXXX as no land lines. Don't even know my acct numbers! My XXXX acct XXXX Thank you
Consumer complaint received 2022-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

My mortgage payments with Loancare LLC were made on time as well as extra payments to loancare because they claimed that my payments are being returned due to insufficient funds by my bank. I have had my bank, the XXXX XXXX XXXX XXXXXXXX XXXX XXXX verify, double verify and triple verify that the funds are being received by loancare and have provided the transaction ID numbers for each transaction. 

I have called loancare on almost a daily basis for the past 6 months and during the last phone conversation with the customer service representative, he informed us ( my father and I ) that the error was on their part. 

Since then, I have made one payment to loancare on XX/XX/2022 before its due date which would have been XXXX the XXXX 2022. They are saying that they have not received the payment either. 

They have investigated this matter every month that I have called to straighten this out and yet it continues to happen. Right now there are thousands of dollars of mortgage payments that loancare has not applied to my account. Needless to say, this has caused an extreme amount of stress because they have threatened foreclosure. The funds have not been returned to my account with XXXX nor was I charged any returned fees by them, This has destroyed my credit as well as my fathers credit because he is the cosigner on the loan. It has destroyed the relationship between the two of us because he feels that the error is on my part. 

This is not fair to me at all. I am a XXXX XXXX  With sever XXXX and this matter during the past half a year has sent me into really dark places. Loancare began harassing me claiming that I am in default and began sending people to my house knocking on my door and ringing my doorbell scaring my XXXX XXXX XXXX XXXX  son in the house because we are not expecting anyone and it happens in the early morning!. This has happened on more than one occasion!

I am paying my mortgage and have been since day one of this loan. I have attached documents of my bank statements with the transaction ID numbers for your viewing. 
I am reaching out because they are jeopardizing my home and my family. If I am sending them money electronically every month and can show proof that they are receiving it yet its not being applied towards my mortgage, isn't that considered wire fraud? How is loancare able to get away with this? 
I will also be forwarding this to the North Carolina State Attorney Generals Office as well as the Federal Trade Commission and the Banking Authority of the state of North Carolina. 

If you look at the screenshot from loancare that i have attached, you will see the date that shows when the next payment is due. Today 's date is XXXX the XXXX. They cant even keep their own website right or updated properly. 

Please help!