davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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. (CA)

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 didnt 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 15 U.S. Code 1681e ( b ) and 15 U.S Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) method of verification Description of re-investigation procedure.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (IL)

To whom it may concern, XXXX XXXX Experian XXXX XXXX Case # XXXX & XXXX As a consumer my rights have been violated by XXXX & Experian per The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Both credit bureaus are stating that XXXX XXXX XXXX XXXX  furnished this information. However, I have a letter stating that " XXXX XXXX XXXX XXXX XXXX does not report to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. 

I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore, verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Recently, I did an investigation on my credit report which caused XXXX  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 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXX XXXX XXXX : {$400.00}
Consumer complaint received 2023-01-17
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: FirstPoint Collection Resources (NY)

RE : XXXX " I reviewed my credit report and I see data being reported about me from Firstpoint Collection Resources XXXX I never gave Firstpoint Collection Resources permission to receive my data nor to furnish it to consumer reporting agencies. Please remove this information immediately. '' I don't understand why you all would close the complaint instead of asking for the information you needed. 

I never gave you permission to even have my data nor report anything about me. This is a violation of my privacy and impermissible purpose. 

Please do not close this complaint as you are required to have a contract directly from me saying that I consented to you reporting my consumer information.
Consumer complaint received 2023-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (SC)

On XX/XX/XXXX, I suffered a house fire. My house was a total loss. I wish to use the insurance settlement to pay the mortgage off and try to repair my home. I requested a Pay off Quote. I also submitted a settlement offer to PHH mortgage to settle the debt. I was told, " My settle offered had to be in writing and copy of the funds also needed to be submitted to verify I had the available funds to settle the mortgage debt. On XX/XX/XXXX, I submitted in writing a Settlement Offer for {$20000.00} along with a copy of the insurance check from my house fire claim. I was informed, PHH Mortgage was hiring an Appraiser to come and assess the property because my offer might be low balling them. After several weeks of waiting to hear from the Appraiser, I was told, " I didn't qualify because my mortgage was in good standing and they would not be sending an Appraiser out instead they were mailing me out the application for Loan Modification ''. I never requested any type of financial help other than requested a lower Payoff/Settlement offer to settle the debt. 

From XXXX to XXXX, PHH Mortgage have been taking me through circles with settling the mortgage debt. Once they realized the Appraiser could not assess a burned house, only the value of the land could be assess, they decided not to send the Appraiser to do the assessment so we could settle the mortgage. Instead PHH Mortgage is trying to keep me in the mortgage when the house is a total loss/destroyed from the house fire .

I wish to settle the mortgage debt with PHH Mortgage. I was told, " I had to do the Loan Modification, which is part of the process before they could accept my Settlement Offer for the Underwriters ''. 

I have been displaced from my home every since XX/XX/XXXX, PHH Mortgage is prolonging the time for me to repair and get back into my home. Also, the insurance check is set to expire in XX/XX/XXXX if its not cash within 90 days of issuance. 

I was told 3 times by PHH Mortgage to put my Settlement Offer in writing and still they have not accepted my offer, they keep taking me in circles with settling the mortgage with them on this burned house. 

I need help, I'm not sure if the Representatives understand that my house was burned and to tell me I dont qualify for a Settlement because my mortgage is in good standing. The house is a total loss that should qualify me for a mortgage settlement.
Consumer complaint received 2023-01-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc. (MA)

Dear Peter Roberts & Associates ; Cfpb ; XXXX XXXX XXXX ATTACHMENTSXXXXNot only this is fraudulent reporting on my credit report from Peter Roberts and Associates , but I was under understanding from reading some articles here on cfpb and FTC that there was a new law that was passed by the government that effective XX/XX/2022 any XXXX XXXX under {$500.00} shouldn't be reported on consumer 's credit report. However, upon reviewing my credit in the last few months, i noticed 3 separate entries of XXXX XXXX reporting violations of this law. For example, there are 3 separate accounts : XXXX balance of {$200.00} plus account XXXX for a balance of {$290.00}, and account XXXX for a balance of {$370.00}. read this ( https : //www.consumerfinance.gov/data-research/research-reports/paid-and-low-balance-medical-collections-on-consumer-credit-reports/ # : ~ : text=Specifically % 2C % 20the % 20companies % 20announced % 20that, on % 20consumer % 20reports % 20at % 20all. ). 

Plus this is a violation of HIPPA violation of reporting. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. And I honestly do not believe to ever had any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-03-06
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: EQUIFAX, INC. (WI)

I have contacted the company swveral times via certified mail in XXXX XXXX, XXXX, regarding Inquiries that were not recognizable. I also previously submitted a complaint through cfpb and the response I got was un-satisfactory.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am requesting that the reporting of this information be blocked and deleted. THIS REQUEST HAS ALREADY BEEN HONORED BY XXXX, and I have enclosed PROOF showing that the XXXX  XXXX XXXX XXXX account listed here has already been DELETED by XXXX on XX/XX/23.
Consumer complaint received 2023-01-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (CA)

Re : Marcus I was given different information about transferring an old cd account to a new one using the same joint owner. The joint owner is my daughter who doesn't live with me and travels a lot so its difficult to do a 3 way call. Because of the different information given to me. i decided to close my savings and cd account and transfer my monies to my XXXX XXXX checking. When i go on line it shows my savings as pending a transfer. i was told it can take a few days which is fine. However, no where shows the status of the cd account or the amount, my account just shows 0. I called and ask that i need some assurance my money is being transferred or at least pending. Marcus shows no reference to my cd or the bank I'm transferring it to, XXXX XXXX. i ask the supverisor why my money does not show pending or anything. Her response was once the transfer is completed i will be notified. That is of course obvious, i just want to see where my money is at this point and that it is still protected. i ask the sup if she could just email me that its pending a transfer she said she could'nt. The system shows my money in the saving is pending, why not my CD? 

My Marcus act # XXXX and XXXX
Consumer complaint received 2020-01-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (CA)

I am having a very difficult time with Ditech. I have been approved for a modification and was making my trial payments. I was unable to get a hold of Ditch durning the holidays and now am having trouble having Ditech accept my 3rd trial payment. I called to set up my 3rd payment on a payment arrangement for the XX/XX/XXXX. I was being recorded and I " Specifically asked if should post it for three XX/XX/XXXX because ii wanted to make sure all funds were in '', he said i should be okay because they dont receive the funds until 3-5 business days. As long they receive payment within XX/XX/XXXX I will be fine. They will then send me new papers upon my mortgage agreement. I got an email notification about Ditech received payment. I never gotten an BBC alert from my bank claiming an insufficient fund. I called on XX/XX/XXXX because no answer during the XXXX XXXX Holiday. I talked to XXXX ( asking why they have not taken the money or fired XX/XX/XXXX ) who told me that the check came back and that there is nothing they can do for me except do another modification. My last payment ... he said if they took the money now its for XX/XX/XXXX and XX/XX/XXXX would not be accounted for!!! I was almost in tears and explained what the other representative said to me. He really didnt seem to care!
Consumer complaint received 2024-03-17
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. (SC)

Transunion is reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and i was never given opportunity to opt. Also according to, 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 313.8 Revised privacy notices. ( a ) General rule. Except as otherwise authorized in this part, you must not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party other than as described in the initial notice that you provided to that consumer under XXXX13.4, unless : ( 1 ) You have provided to the consumer a clear and conspicuous revised notice that accurately describes your policies and practices ; ( 2 ) You have provided to the consumer a new opt out notice ; ( 3 ) You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure; and ( 4 ) the consumer does not opt out. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2023-01-17
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. (TX)

TransUnion is Violating my Right as a consumer. Under 15 U.S. Code 1681c2 ( a ) ( 1-4 ) and 15 U.S. Code 1681b.

This is my third complaint for TransUnion!

These accounts below are a result of identity theft! One complaint was filed XX/XX/XXXX and the other XX/XX/XXXX. 

XXXX act # : XXXX XXXX Act # : XXXX Ive attached all the original documents from my first two complaints and one where XXXX has blocked and deleted the account. Therefore by law you should do and report the same.
Consumer complaint received 2020-01-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I have tried to call XXXX XXXX XXXX XXXX XXXX since the matter is urgent. 
This is an automated service where one in not able to talk to live person. 
I think this is outrage that company, that can have real damaging impact on peoples life, limits the access to the company. With this kind of behavior this company should not have a license to operate in this country. 
I believe that they have things on the report that should not be there. 
This could have been resolved, if I had an access to the company. 
Written access in this instance is way to long, it can cause me immeasurable damage.
Consumer complaint received 2024-03-17
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. (LA)

dispute to the validity of the alleged debt and a dispute to the validity of your claims. I am requesting that the reporting of this information be blocked and deleted. 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. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B. The identified transactions are not information related to any transaction by me as the consumer ( see attached )
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Late payments derived on this account were due to XXXX work stoppages and shutdown. Capital One openly advertises a XXXX XXXX payment relief program on its website for ongoing customers. Yet, with regards to my closed account that has had payment settled and the account has been closed for XXXX now, I am being told that the account can not be deleted from my credit report and any late payments will not be deleted even if they occurred and were directly caused by the global XXXX pandemic.
Consumer complaint received 2020-01-17
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: Experian Information Solutions Inc. (FL)

I recently looked over my credit report and I noticed some false accounts that were reported on my credit file. These derogatory accounts do not belong to me and I have no memory of these accounts. I have no idea who or how someone could have access to my credit report. Now because of these accounts, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Consumer complaint received 2022-02-25
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 XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2024-03-17
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. (TX)

I reached out to the credit bureaus because I am a victim of identity theft and there are accounts that showed up on my credit report that are not my accounts. I filed an identity theft report and notified the FTC of the fraud and sent that as well as other identifying documentation over to the bureaus and they have not responded and have not remove the fraudulent accounts from my reports. I am receiving unsolicited phone calls and mail regarding accounts that are not mine and they are still on my credit reports.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX credit limit is different on each bureau the last reported dates do not match and the date last active is reported Different on each report 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 account under an open end consumer credit plan as late for any reason