davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
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: EQUIFAX, INC. (NJ)

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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have XXXX companies that have reported false information XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX I am uploading proof that I never owned these accounts I applied for a home on XX/XX/XXXX XXXX I was approved then these accounts were added and they denied me XX/XX/XXXX my move in date now I need these accounts removed so I can try and get a place to stay XXXX XXXX XXXX XXXX XXXX XXXX are unauthorized accounts and are a violation of 42 U.S code subsection 12203 ( b )
Consumer complaint received 2023-12-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Village Capital & Investment LLC (TN)

Our home was hit by a tornado. We have already worked with our insurance and have a check for repairs to begin. Our mortgage company ( Village Capital ) requires their name on the check as well. We have called and been on hold for hours each time to try to find out the process to endorse the check. They do not have a local branch ( we were sold to them when we bought the home and didn't have a choice ). We can not reach anyone, and we are displaced from our home until we can have a heating unit installed. We have contractors ready to install the heat and begin the extensive repairs to our home, but we can not start the process until we get the mortgage company 's process for endorsing the check/releasing the funds. At this point, my family is living outside our home because they won't answer the phone. It is also costing my insurance daily for us to be displaced when we have the capability to get it fixed if they would just respond.
Consumer complaint received 2019-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (NY)

For the second year in a row my mortgage holder, KeyBank, has failed to make my home owner 's insurance payment via the escrow withholdings in a timely manner. My home owner 's policy runs from XX/XX/XXXX to XX/XX/XXXX with the payment due annually on XX/XX/XXXX. Last year for period covering XXXX, Key Bank did not make the payment until XX/XX/XXXX yet took the funds from the escrow account on the due date of XX/XX/XXXX. This year for the period covering XX/XX/XXXX-XX/XX/XXXX Key Bank has yet to make the payment as of XX/XX/XXXX even though they took the funds from the escrow account on XX/XX/XXXX.
Consumer complaint received 2023-08-18
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: Bread Financial Holdings, Inc. (GA)

The account in question in the " COMENITYBANK/GANDRMT '' on my XXXX Credit Report. I have disputed this account twice, once in XX/XX/XXXX and once in XX/XX/XXXX. The account was sold to a collection agency on an unknown date and the original account in question is shown as " closed, {$880.00} written off ''. This account is currently showing the last payment made to be on " XX/XX/XXXX '', which is almost XXXX XXXX XXXX XXXX XXXX ago. This should put the account as delinquent in XXXXXXXX XXXX XXXX ( still passed the XXXX limit ). I have contacted the original creditor and they do not have any account information including payment history or when the account was sold to the collection company. My understanding is that a charge-off account stays on your credit for 7 years past the date the account goes into delinquency. This was confirmed to me on the XXXX website in an article they published about " charge-off accounts '' which I've attached below in the documents. I believe they are treating this account like the collection account It would have been at the collection company which would have stayed on my report for 180 days after delinquency plus the 7 years had it not already been removed by the collection company. This account has already been deleted from 2 of the 3 credit report agencies.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-18
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: Lewis, McDonnell & Associates (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-05-24
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-13
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: LEXISNEXIS (MD)

Dear Sir/Madam, I hope this letter finds you in good health. I am writing to bring an urgent matter to your attention regarding my consumer report. LEXIS-NEXIS and XXXXXXXX XXXX XXXX XXXX both third-party vendors, have reported a bankruptcy on my consumer report without providing any validation of the bankruptcy in question. 

Having noticed this bankruptcy claim on my report, I took immediate action and contacted the bankruptcy court for confirmation. The court clarified that they do not provide any bankruptcy information to third-party vendors. Therefore, it appears that LEXIS-NEXIS and XXXX XXXX XXXX have not only inaccurately reported a bankruptcy on my consumer report but have also failed to verify this information from a reliable source prior to reporting. 

Furthermore, it is my understanding that the Fair Credit Reporting Act ( FCRA ) requires that all information reported about a consumer must be accurate, and I have the right to dispute any inaccurate information. Therefore, I formally request that the CFPB investigate this matter and ensure the removal of this inaccurate bankruptcy claim from my consumer report. 

Moreover, I have not granted permission to LEXIS-NEXIS or XXXX XXXX XXXX  to share or release my personal information. Their actions are a clear violation of my rights under the FCRA, which guarantees my right to privacy and control over my personal and financial data. 

I kindly request your immediate attention to this matter. I believe that the CFPB, with its mandate to protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law, is best positioned to help me resolve this issue. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-09-06
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-09-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XXXX Venmo contacted me via text message stating that my account had suspicious activity, and that I should reply " NO '' if the activity was not me. I responded on the same day, XXXX with " NO ''. The following day, XXXX, I contacted Venmo and again reported the fraudulent activity and I was informed that my account was frozen. The transactions posted as pending on XXXX on my XXXX XXXX checking account I am completely unclear as to why Venmo bothers informing customers of unauthorized transactions and then allows the transactions to occur. I am unclear as to what purpose freezing my account serves when transactions can still occur. Venmo has also been entirely incapable of informing me when my funds will be returned. Further, if my checking account enters into a negative balance as a result of Venmo 's negligence, what is their plan to refund me the additional debits to my account? 

The currently posted debits to my XXXX XXXX checking account are {$350.00} and a second identical charge of {$350.00}.
Consumer complaint received 2023-08-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc. (CA)

CFPB Case # : XXXX As per you response of above inquiry, If the consumer wishes for RTR to send him copies of this correspondence, he should email RTR and provide his consent to receive these documents electronically via email. 

At this time I will like to provide my consent to receive copies of all the notices and statements you have mail to me since XXXX XXXX  till now via email address XXXX. Due to the size of attachment restrictions by the email provider, it is OK to send multiple emails. 

If this can not be done by email I will reserve my right to and ask that you provide copies of above by mail.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, Sc XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

Address XXXX XXXXXXXX XXXX XXXXXXXX SC XXXX
Consumer complaint received 2022-10-17
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: EQUIFAX, INC. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXX Date Opened XX/XX/2013 Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-14
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. (CA)

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.

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 2023-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (PA)

This is in regard to XXXX XXXX XXXX phone number XXXX in regards to XXXX XXXX the supervisor and XXXX. I have sent them multiple documentations that proved that the debt was paid off. They keep telling me that they have to wait till they hear from Cascade before they take it off my credit but I spoke to cascade  and they gave me the documentation that is needed as it was settled in full by my insurance company and that XXXX XXXX XXXX  has never reached out to them regarding this debt. I have disputed this with my credit bureau and it came back with the debt was verified even though I have the documentation that I can attach. They also keep saying that it is my credit that will be continued to be ruined. They have hung up on me multiple times
Consumer complaint received 2022-04-19
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. (MD)

I have a student loan account that is currently in Forbearance,. There are 6 accounts with the same account number ( again all of these are in Forbearance ) and these accounts all have should show on time payments. Some of these accounts are showing Late and others are showing on time. ( as I stated these all have the same account number ) and some are showing 18-19 times being late. Please assist. Ive contacted all 3 Agencies ( XXXX, XXXX, Experian ) and Ive also contacted the company that I had the student loans with in regards to the inaccuracies. Nothing has been done. Please look into this as it is CONSISTENTLY bringing down my score.
Consumer complaint received 2023-08-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

I had a claim take place at my home on XXXX day while I was out of town. I reported the claim immediately to both my mortgage company and my insurance company. My insurance company acted timely and helped assign a mitigation company to get the leak and water damage cleaned up. They then assessed the claim and paid out a check for the total amount addressed to the Loancare and myself. I signed and sent to Loancare in XXXX, and since then the money has sat in there possession. I have been going round and round with them uploading, mailing, overnighting documents to appease their unreasonable demands. I have spent hours upon hours on the phone speaking to anyone that would listen to me about my issue. I have contacted Loancare, Insurance Claim check center and my insurance company to see if anyone will help me, and unfortunately no one seems to think there is a problem that I have been living in my home without carpet and down a bathroom for my family of XXXX ( with small children ) since XX/XX/2022. I have had contractors quit because of the delays, no longer be able to start because of the delays, and currently have had to delay our contractor 4 separate times as we are still waiting on " exceptions '' and " reviews '' and " checks being cut '' that all have 3-10 business day SLAs. No one from either company will help, nor will they even try. My family has endured this for too long and at this point it is going to be a year before anything gets done.
Consumer complaint received 2023-08-17
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: Bread Financial Holdings, Inc. (MI)

I paid my Comenity account in full recently and the company did not report the pay off to the credit bureaus having a major and significant impact on my credit report.