davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00} ; XXXX  XXXX Balance : {$960.00} ; MEDICAL XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX MICHIGAN XXXX XXXX XXXX, MO XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-12-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

The company listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, showing a balance of XXXX which is an incorrect balance. It was sold to them by the original creditor and has been updated. to paid {$0.00} balance. I never consented to having my personal information sold a collection. Until recently the account was listed as a open charge off. This also appears on all three credit reports. These are all derogatory entries and they should be removed immediately. The actual balance originally owed was reported incorrectly to XXXX by XXXX XXXX. Per the Fair credit Reporting Act because of this the this item should be completely removed even thought the amount is now been update to a {$0.00} balance. Have it being reported at a higher amount has damaged my credit due to this simple mistake im requesting that it be removed immediately from all 3 credit reporting agency 's I've reached out to all three credit reporting agencys several times with documentation of the actual balances and nothing has been done about this in the legally require time to correct this the company 's own statement of account shows the correct balance amount. This is not " fair credit reporting '' by increasing the amount and should be deleted
Consumer complaint received 2022-09-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (CA)

Planet home lending was my loan servicer they foreclosed on my property even though they had my modification application in hand and even though I was sick with the coronavirus while on the phone with them in the last few days of before the Foreclosure they still would not give me any extension for the sale date and I ended up getting the law librarian sick because of my selfishness and wanting to keep my home I was in there trying to learn the law to save my house she was very sick for many months and still probably has not forgiven me because I don't have any help from the law library anymore. On the Foreclosure sale date I was there at the location where they said the foreclosures auction was going to be and there was absolutely no auction at all in any sense. Even though there was no auction they said there was one and even though it was supposed to be a free competitive auction the VA put a stipulation saying that the loan service can only bid so much, which makes it not a free and competitive auction. So I then contacted the VA to explain that the Foreclosure had gone through and when I informed my VA loan technician XXXX XXXX that it was now time for me to start making payments to them directly like he had explained to me was going to happen they told me that they could have done that but they couldn't get a hold of me so now it's too late even though the auction was just yesterday and it's a done deal sorry there goes your house that you worked the last 15 years almost on and put every XXXX of your XXXX into ( by the way the XXXX comes from combat ). After a very long time of arguing with several different people in the VA loan technician 's office the boss finally admitted that I was told that by the person but that that person didn't know what they were talking about and there's no way they could do that kind of thing unless the house has some a lot of value to it and mine did and mine fit the description a home that is eligible to be what is called refunded by the VA. So end result VA has some middleman company hiring an eviction company to get me evicted I explained to that eviction company that my rights are in place my rights are called redemption period Rights and they pretend to have never heard of these kinds of things so they went and after many many lies convincing the court that they tried to notify me of different events was able to get a court date for an eviction without me being notified. The eviction company 's name is XXXX XXXX XXXXXXXX. I doubt anything I say at this point matters because it's proven on so many occasions that I can do everything right somebody's going to XXXX  smack me down. My number is XXXX
Consumer complaint received 2021-12-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2022-09-13
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. (GA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

n accordance with the Fair Credit Reporting act 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

n accordance with the Fair Credit Reporting act 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-29
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. (CA)

n accordance with the Fair Credit Reporting act 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-11-09
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. (NV)

Thank you for your help. Even if nothing happens I already feel better that someone will try to help. I have an issue with Transunion they have me fixed at XXXX or D rating. XXXX  has me at XXXX A rating and XXXX  has me at XXXX B Rating. 
I consider myself a very low risk for lenders. XXXX  has it absolutely correct while Transunion is almost criminal in keeping me so low. I signed up with them to see if that would change my score. Instead there has been no movement despite the fact that both XXXX  and XXXX  has gone up. The only consistent thing I have gotten from Transunion is marketing of products for people with low credit scores. I tried to call them and go over their metric system to see if we can detect where there was a flaw. I also advance up the ladder of managers and they were a broken record. There can ot be a glitch in our system and the computer is not wrong. 

I have no debt aside for mortgage. XXXX revolving available for purchase in 3 credit cards. My house is worth XXXX times the mortgage, and I have low mortgage payments. Cars are paid off. I have XXXX figures savings in the bank. I am not rich but I am not 'D ' paper. Does that sound like D paper? 

If they are doing this to me, I can only imagine how badly they are hurting the XXXX  Americans. I hope that someone brings a class action against them. They are so out of control and with no checks and balances they are dangerous to the American Economy
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance Owed : {$350000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$680.00}
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hello to whom it may concern, Under the new law effective XXXX XXXX 2017 any public record thats reporting on a credit file must include name, address, social security number or DOB. At this time XXXX XXXX  nor transunion is in compliance with this new law and after careful investigation I am seeking to have these incorrect public records deleted off my credit file. Thanks & XXXX Bless
Consumer complaint received 2022-01-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (GA)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulentinvestment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank transfer and debit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing Branch Banking and Trust services.
Consumer complaint received 2020-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IN)

We were behind on our mortgage in XXXX of XXXX. Statement from Ocwen dated XX/XX/XXXX said the total reinstatement amount was XXXX. On XX/XX/XXXX we paid XXXX which was the past due reinstatement amount plus the payment due on XX/XX/XXXX. Our regular monthly payment was {$590.00}. Our next statement dated XX/XX/XXXX which should have been for XXXX due XX/XX/XXXX had a total amount due of {$1600.00}. The charges were for our XXXX payment ( XXXX ) plus a ( XXXX ) title search fee date XX/XX/XXXX and a ( {$310.00} ) charge for title report dated XX/XX/XXXX. Not sure how you get a title report before a title search but that's neither here nor there. The search and report were done 20 days after we brought our account current. The mortgage originated in XXXX. So what purpose was there for this charge? On XX/XX/XXXX we paid the XX/XX/XXXX regular monthly payment plus late fees even though it wasn't late as per their 15 day grace period. On the statement it breaks down what they say is owed into different categories. 
Regular monthly, past due payments, Past due fees/other charges The first 2 statements had the XXXX due for past due fees/other charges. The 3rd month they switched it to past due payment charges. As in we missed payments. 
I have addressed ocwen about this issue. And the many many other issues we have dealt with over the past 16 years and have never got anything resolved. From the very start of this loan when the closing agent/broker ( XXXX  XXXX  and or XXXX  XXXX  XXXX  ) pulled a fast one on us at closing by having the final truth in lending disclosure statement on top with the financed amount of XXXX showing for lender XXXX XXXX and going over that one page with us then distracted us by non stop talking while the rest of the pile was signed and initialed with a loan amount of XXXX was what was being reflected on the rest of the documents. And an unexplained XXXX increase in our principal balance in XXXX. And plenty of other issues as well including a falsified Corporate Assignment of Mortgage signed by an employee of Ocwen as VP of XXXX  XXXX XXXX, filed XXXX of XXXX on behalf of XXXX XXXX XXXX  as trustee for XXXX. From XXXX XXXX XXXX f/k/a XXXX  XXXX  XXXX  ( our original lender and servicer ) whom swore under oath in XXXX that it neither owned nor serviced any residential mortgages on that date. If they sold our note prior to XXXX to XXXX  why did they wait til XXXX to record that assignment with our county recorder? We just are at our limits. We cant find any remedy and cant take the abuse any longer. 

XXXX XXXX
Consumer complaint received 2020-02-13
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. (AR)

I pulled my credit for the first time in 4 years and I saw a couple of accounts and many inquiries that are not mine. These suspicious accounts and inquiries need to be removed from my report. It is fraudulent information.
Consumer complaint received 2019-11-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (VA)

I have had this loan for about a year now. I have not been able to pay it off. They keep on adding more fees and higher than before. I just want to pay it off. I only borrowed {$100.00}, at first then they kept offering more and more, up to almost {$500.00}. I told them that I didn't want to borrow anymore money from their company and I just want to pay them off. I've been sending them about {$100.00} every month but even more fees are added on, and the amount owed is not being reduced by them. I seriously want to put this loan behind me very much. They say that I owe them about {$800.00} maybe it's up to {$1000.00} by now according to them, regardless that I've been paying {$100.00} per month on my loan. Seems to be a scam to me.
Consumer complaint received 2017-07-26
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: Experian Information Solutions Inc. (AL)

Ive contacted XXXX XXXX several other credit companies and there is some incorrect information on my credit report. My first issue is there are several inquires on my credit that i did not authorize, and did not give any consent to having those companies pulling my credit causing hard inquiries. I have asked the credit companies and sent several disputes to remove these inquires due the credit error that they had in 2016 and they are still on there.
Consumer complaint received 2017-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. This apartment collection was not opened by me and my rights are being ignored. My official complaint is against procollect for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report. I want the negative credit reporting to cease and for the collection account to be deleted from my credit report
Consumer complaint received 2023-03-11
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. (CA)

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Consumer complaint received 2017-07-26
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. (CA)

On XX/XX/XXXX, I sent a certified letter to Experian to dispute incorrect information on my credit reported. After the first 30 days, I received an updated credit report that stated the account was investigated, however there were not any changes. Then after receiving no official documents to verify the debt listed, I sent a second certified letter on XXXX XXXX, 2017. On XX/XX/XXXX, I received an updated credit report stating the debts will not be reinvestigated. This company is breaking the law by not providing the information being requested. They didnot provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA as they are required too. I have attached confirmation of receipt of letters.
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

in accordance with the Fair Credit Reporting act 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-29
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. (CA)

in accordance with the Fair Credit Reporting act 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

According to NC Commissioner of Banks, XXXX is not licensed in North Carolina to provide loans therefore debt is not owed and illegal loan was sold to debt collector of XXXX XXXX XXXX XXXX and needs to be removed from all 3 credit reports in order to remove negative impact resulting in blocking of affordable living and purchase of home. Documents provided by XXXX XXXX XXXX does not include contract or signatures also stating draft.