davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
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. (NY)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 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 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Account Identifier : XXXX Account Number : XXXX Dear XXXX XXXX XXXX, This communication is in response to your recent inquiry regarding the XXXX XXXX account re

ferenced above . Please be advised that we have requested the credit reporting agencies listed below to delete all information reported under the account identifier number referenced above. It may take up to thirty days for the credit reporting agencies to comply with our request. Please use this communication as verification until the credit file is updated. Please note : The above Account Identifier Number and the Account Number represent the same account. The Account Identifier Number must be included in all correspondence regarding credit bureau reporting, as it is used for furnishing information to the credit reporting agencies. If we can be of further assistance, please have t he customer contact us at XXXX. Our hours of operation are Monday through Friday from XXXX XXXX to XXXX XXXX Eastern Time. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion.com/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  For OPEN XXXX XXXX XXXX accounts only XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account Identifier : XXXX Account Number : XXXX Dear XXXX XXXX XXXX, This communication is in response to your recent inquiry regarding the XXXX XXXX account referenced above.

Please be advised that we have requested the credit reporting agencies listed below to delete all information reported under the account identifier number referenced above.

I

t may take up to thirty days for the credit reporting agencies to comply with our request. Please use this communication as verification until the credit file is updated. Please note : The above Account Identifier Number and the Account Number represent the same account. The Account Identifier Number must be included in all correspondence regarding credit bureau
reporting, as it is used for furnishing information to the credit reporting agencies.

If we can be of further assistance, please have the customer contact us at XXXX. Our hours of operation are Monday through Friday from XXXX XXXX to XXXX XXXX Eastern Time. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 transunion.com/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX For OPEN XXXX XXXX XXXX accounts only XXXX
Consumer complaint received 2021-01-15
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. (PA)

In effort to save money and take advantage of the lowest mortgage interest rates I tried to refinance more mortgage this week. Sadly I was declined. After multiple disputes and investigations into my credit report all three credit bureaus are still broadcasting their complete bias to my social security number. The following closed accounts are still inaccurately appearing on my credit file : XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX XXXX Opened XX/XX/XXXX, XXXX Card XX/XX/XXXX, & XXXX XXXX opened XX/XX/XXXX. Since XXXX of XXXX I have requested month to month dispute requests to send me complete information to include points of contact and methods used to verify these negative reported accounts. The credit bureaus have refused to do this but instead said they were verified and closed the investigations. Some of these accounts are over 10 years old and are closed. There is no good reason they should still be showing on my report and I'm asking that all of these accounts be deleted from my credit report. Thousands of dollars on representation, higher interest rates, and declines have put an enormous amount of stress on my ability to provide for my family. On top of it all the bank credit pulls are still showing up to 100 points under the consumer facing credit reporting systems. It is time to erase the numerous inquiries and negative credit accounts. I've been held in credit jail long enough.
Consumer complaint received 2024-04-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

Early XXXX I find out there was some an authorized transactions worth over {$1500.00} with RFBC BANK IN XXXX, this include XXXX XXXX XXXX XXXX  and {$700.00} with an airline.Contcted my bank they give me temporary credit, within the time period off investing i did not take long that ingestion finish took the money back. When I contacted fraud department they investigated that nothing was wrong an no one have access in my account. Since I dont use my bank direct deposit now they stat charging overdraft fees. When there was no refund in my account. Been with bank have never had an overdraft because I was had overdraft protection. # XXXX is too much for poor person like me this bank has Millions. Please help to get my mone=y back.
Consumer complaint received 2023-07-17
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX SS # : XXXX Re : Account Number : XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute the validity of the account that has been reported on my credit report. The account is question is a charged-off account that has been reported by I am disputing this account based on violations of the Metro 2 credit guildlines. According to these guidelines, a charges off account should be reported accurately and fairly, and any inaccuracies or violations of these guidelines may result in the account being removed from my credit report. 
After reviewing my credit report and the information provided by. I have found several violations of the Metro 2 guidelines. These violations include : 1. Last Activity Date inconsistant across Credit Bureau 2. Term Type Source inconsistant across Credit Bureau 3. Status inconsistant across Credit Bureau 4. Comments inconsistant across Credit Bureau 5. Account Details inconsistant across Credit Bureau 6. Payment History inconsistant across Credit Bureau Based on these violations, I request that you remove this account from my credit report. I have already contacted requested that they remove the account, they refused to do so. I have also included a copy of my previous dispute and letter for your reference. 
Please investigate this matter and remove the account from my credit report if you find that it has been reported inacurrately or in violation of the Metro 2 guidelines. 
Thank you for your attention to this matter. Sincerly,
Consumer complaint received 2024-04-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC (VA)

On XX/XX/XXXX, I spoke with Selene Representative XXXX XXXX, who informed me that my loan modification was denied because my application was not complete due to redacted bank account numbers, although I received a letter from Selene stating that my package was complete and under review. XXXX XXXX told me not to appeal, because the appeal would be denied, but I had sent an email on the XXXX of XXXX according to denial letter because by the time the denial letter came to me I only had 2 days left to respond and XX/XX/XXXX was a holiday. XXXX XXXX told me to submit a new loan modification package which I did, and it arrived to Selene on XX/XX/XXXX @ XXXX. I spoke to the following Selene representatives XXXX XXXX, said package had not been reviewed, XXXX said on XX/XX/XXXX package had not been reviewed, but it had been uploaded on XX/XX/XXXX, XXXX said he would make sure and change the notes to say package was a new loan modification package, not an appeal, but when I called on XX/XX/XXXX and spoke to XXXX, she said that had not been done. XXXX said she sent in a work order, and escalation and sent a message to my XXXX XXXXXXXX XXXX informing XXXX XXXX and on my file that my package sent in was a New Loan Modification request package. I called on XX/XX/XXXX spoke to XXXX, he said the package had not been reviewed still. I called on XX/XX/XXXX and spoke to XXXX who was not really helpful, she told me to send another email to loan modification department asking for a review of my New loan modification package, because the package had not been reviewed still. 
Please keep in mind CFPB that new loan modification package has been there since XX/XX/XXXX, uploaded XX/XX/XXXX and still I have not had a formal review of my loan modification package, XXXX kept labeling my package an appeal package which they were told 6 times by me, and at least once by XXXX XXXX XXXX, this was not an appeal, what I sent in was a XXXX XXXX page new loan modification package. Still XXXX has scheduled a foreclosure date, and have not even given me a review of the loan modification package.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

The U.S. law that governs credit bureaus reporting UCC ( Uniform Commercial Code ) filings is the Fair Credit Reporting Act ( FCRA ). The FCRA sets the guidelines for how credit reporting agencies can collect, maintain, and report consumer credit information, including UCC filings. UCC filings are typically made when a creditor has a security interest in a debtor 's personal property. The FCRA requires credit bureaus to provide accurate and up-to-date information to consumers and allows individuals to dispute any inaccurate or incomplete information on their credit reports.
Consumer complaint received 2023-05-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I am filing a complaint on SPS because they refused to give me a modification package when I asked for one. They recommended that I go through the Georgia home safe program. When I tried to go through that program they told the company to harass me. They told the company to tell me that they did not get me and my daughter check stubs when they were sent 3 times I want SPS to stop all future foreclosure sale dates until I get a loan modification package from their company.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

im writing this because I noticed an item on my EQUIFAX credit report that should NOT be reporting. EQUIFAX has been notified by the original creditor to stop reporting this account and yet EQUIFAX is stlll reporting this account. in addition to that reporting this account is a violation of 15 US CODE 1681s-2 because this account is a charge off with a XXXX balance which is considered " cancelled debt '' and according to the IRS which states : " In general, you must report any taxable amount of a canceled debt as ordinary income from the cancellation of debt ''. And according to the FCRA It is not permitted for any credit reporting agency to report income on a consumer credit report. It also states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Here is the inaccurate account in question : XXXX BANK / XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (FL)

I recently reviewed a copy of my consumer report and noticed that you are reporting an experience related to a line of credit I have with your company.

Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; The line of credit I have with your company is characterized as utilization on my consumer reports and your company is illegally reporting this experience.

Congress clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports. Therefore, you are in violation of 15 USC 1681a 2 ( A ) ( i ) by reporting this experience.

You have 5 calendar days to update my utilization to 0 % and/or delete all utilization from my account. Failure to correct this error may result in legal action and seeking monetary damages.

Thank you for prompt attention to this matter.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am devastated. I was doing a personal investigation into my credit and felt distressed as I looked and saw that there are a myriad of errors being reported on my credit. The information that is reflected on my credit report is unfound and unverified, yet I am being penalized for the agencys failure to do their job and make sure every reporting is 100 % accurate.
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (MO)

On XXXX, I received documentation from Chime ( banking services provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX that possibly indicated an account was opened up in my name. The documentation included a " Welcome to the Chime Family '' note, a tear off portion by XXXX XXXX XXXX  to provide to an employer for direct deposit which included my pre-printed name, the bank name & address, a routing number, and an account number. The documentation also included a debit card associated with the account with my name and the number pre-printed on it. I did not sign up for an account at Chime and believe this is either a sales tactic used by them to try to get me to activate the card ( and subsequently the account number listed ) OR I am the victim of possible identity theft and someone has opened up the account using my information. I reached out to their Customer Service via email numerous times on XXXX in an attempt to verify if this was merely a sales tactic or if there was an account opened up with my information. A Google search indicated numerous people have had this same issue and most have had issues with getting Customer Service to cooperate. Numerous responses by Chime wanted me to log in to the app and use the chat feature ( I'm not a member so I don't have login information for me to do that ) and/or send them a photo of my government-issued id, the last four of my SSN, and a selfie of me holding the government id to verify my identity. I did not provide them this information and notified them the reason ( that I'm not a member [ or if I am, it's not legitimate ] so my information shouldn't be in their system for them to verify my identity ). This correspondence back and forth went nowhere and I still don't have an answer to the simple question - sales tactic or actual account. I've reviewed my credit file and neither Chime nor XXXX XXXX have made any inquiries nor is there an account listed. I've placed a fraud alert on my credit file just in case and will monitor for activity from these companies.
Consumer complaint received 2023-07-17
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 — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX / XXXX Unauthorized use of my credit. 
Violation of U.S.C. 1681b. 

Which, Prohibits a person from using or obtaining a consumer report, " unless ... the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished by the consumer. 

My name is not and never was XXXX which is associated with this fraudulent account. 
I never lived at the address XXXX XXXX XXXX XXXX XXXX, VA which is associated with a fraudulent account. 
The anccount obtained and the information published on my report regarding this information is an act of Identity theft. 

This is a notice of Identity theft! 
Reporting information that involves identity theft is a violation of the FCRA. Knowingly reporting after notice is also a violation.
Consumer complaint received 2023-07-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

I was contacted by mail by FCO, Fair Collections & Outsourcing , Inc.XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX, regarding a purported debt consisting of purported rental arrears. The letter claimed I had a lease with the landlord and failed to pay according to its terms. 

I asked them to validate the debt and they sent me a lease commencing on XX/XX/22, which is after every item on their purported rental ledger. 

In fact, there is no lease or any other document to support my liability for rent through the period on the ledger. 

They have threatened to report this fraudulent debt to credit reporting agencies as well as litigation.
Consumer complaint received 2017-10-16
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. (MI)

On XXXX XXXX, XXXX Equifax has removed 9 incorrect & fraudulent accounts then later added them all back onto my credit report on XXXX XXXX, XXXX without giving the legally required written notice 5 days prior to them re-adding them. I have contacted Equifax in good faith to ask them to delete the incorrect information that they had illegally re-added. The information & incorrect accounts has caused a hardship and that my rights were violated by Equifax.
Consumer complaint received 2024-02-14
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. (DE)

I have rights to ensure that my private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and XXXX to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without your permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.