davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
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. (FL)

I sent a letter to all XXXX credit bureaus them on XX/XX/2022. 

You are reporting Inaccurate information in consumer reports concerning me that you have complied and published to third parties. The following tradeline item is inaccurate because you have my name, address and employer inaccurate. 
Name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inaccurate Employer : XXXX XXXX XXXX XXXX. Inaccurate Addresses : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, FL XXXX inaccurate XXXX XXXX XXXX, XXXX XXXX, FL XXXX inaccurate
Consumer complaint received 2022-05-24
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. (MD)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
This is the item I demanding to be deleted immediately. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Consumer complaint received 2022-05-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Financial Freedom Mortgage, LLC (MD)

Contacted by XXXX XXXX from financial freedom mortgage about end of XXXX. I explained to her I would not be discharged from my bankruptcy 2 years until XXXX this year and that all previous finance companies said had to wait 2 years. After arguing I talked to XXXX ( supervisor  ) she assured me that freedom financial was a maryland company and was able to do the refinance before the 2 years. They said my credit was a soft pull. Turns out hard pull. XXXX XXXX came to my house to do the mortgage application on XX/XX/XXXX an assured me and my husband we had a loan for all our debt accept our cars until the appraisal came back. He collected {$580.00} for the appraisal and assured us we would have it back in 2 weeks. I had to borrow the money. 
XXXX XXXX XXXX XXXX I was contacted by XXXX XXXX for the next step. 
XXXX XXXX XXXX XXXX XXXX She set up the appraisal all the while assuring me we had the loan. The appraisal came back and then XXXX XXXX said there was no loan and I was out the {$580.00} for the appraisal. She is refusing to forward me to corporate to request a refund of the appraisal fee because they promised me it would be refunded. I was informed they shouldnt have even offered me a loan before the 2 year mark after a bankruptcy discharge so they couldnt even in good faith give me a loan. I have attempted to get corporate contact information from XXXX XXXX and XXXX XXXX by phone and email with no response. When there is a problem no one has a boss. The last time I requested contact information was XX/XX/05. I dont think Im going to get a response. I feel like they are offering loans they should not be offering and taking advantage of people. I do not have {$580.00} to throw away. They promised me the money back. They even tried to get me to skip my XXXX mortgage payment because they assured me I had the loan. Its weird to because I was receiving a lot of calls requesting to buy my house to. My husband as well. Are they getting people to skip their payment and then get further in the hole so they have to sell their house? They actually pulled my credit twice. XXXX XXXX also tried to tell me the appraisal was good for 6 months and I was advised that this is not true. Every lender usually wants their own appraisal.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2018-05-27
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. (OH)

i called Equifax and also sent them a letter requesting for them to investigate open a dispute on the 2 hard inquiry accounts. 
XX/XX/2017- XXXX XXXX XXXX XXXX . 
XX/XX/2017- XXXX XXXX . 
Equifax told me credit inquiries are factual record and that i need to contact the original creditor to remove the inquiry. they are using a stall tactic and is in direct contradiction to my legal rights.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-03-09
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: SC Opportunity Fund LLC (TX)

I am here by putting you in notice of the obvious violations opportunity fund has done to my person : 18 U.S.C 1028 No consent to share my information at all 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 894 - Collection of extensions of credit by extortionate means 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports I am giving you 5 business days to take care of my requests or I will sue you in federal court for for the above referenced violations along with : 15 USC 1681 ( a ) 2 12 cfr 226.11 15 USC 1681 ( B ) permissible purposes Total of 8,000 in violations.

I will sue you in civil court if you dont comply its the law
Consumer complaint received 2023-02-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I XXXX XXXX entered into a consumer credit transaction with CAPITAL ONE AUTO FINANCE via XXXX XXXX XXXX ON XX/XX/2022 A consumer credit transaction in which a finance charge was involved.15 U.S.C 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but CAPITAL ONE AUTO FINANCE, and or XXXX XXXX in fact took {$5000.00} cash. The finance charge is supposed to include insurance but CAPITAL ONE AUTO FINANCE, and or XXXX XXXX XXXX made me purchase insurance separately. I was also forced to purchase a an extended warranty as well. CAPITAL ONE AUTO FINANCE and or XXXX XXXX XXXX failed to provide disclosure of obligors right to rescind under the provisions of 15 U.S.C 16

35. Further pursuant to 15 U.S.C 1640 they are now criminally and civilly liable.
Consumer complaint received 2023-02-28
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: CLGF Holdco 1, LLC (CA)

XX/XX/XXXX I've called the credit company because I didn't apply for credit now I've owed 2 accounts without knowing what is going on.
Consumer complaint received 2023-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

My student loan was forgiven under TPSLF with a forgiveness date of XXXX, but the number of qualified payments was not counted correctly, and the date of forgiveness should be in XXXX to include my qualified payments from XXXX to XXXX while I was working at XXXX ( a qualified employer ). I was given a refund check to reflect loan forgiveness as of XXXX, but the check amount needs to include the payments from XXXX as well. Please review the attached qualifying employer forms, include ALL of my qualifying payments starting from XXXX ( while working at XXXX ), and refund the correct amount.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (WA)

I tried to link my XXXX account to my American Express savings account. XXXX account show up as XXXXXXXX XXXX because that is the bank they use for US currency. After linking, my American Express savings account is frozen. I called them and uploaded the statement from XXXX as requested. My American Express savings account is still frozen.
Consumer complaint received 2022-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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 2022-05-24
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. (SC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge nor did I apply for these credit accounts. I ask that the items be deleted to correct my credit report. 
I have reported the theft of my identity to the Federal Trade Commission, I have also informed all credit reporting agencies, will be requesting a fraud alert, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-03-13
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. (FL)

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 2024-03-13
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. (FL)

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 2023-10-30
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. (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. 
Agency : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy. 
* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent. 
* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent. 
* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights. 
* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies. 

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-02-23
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)

I sent a letter on XX/XX/XXXX, to remove these items : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX, TX XXXX XXXX Updated : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$5500.00} XXXX XXXXXXXX Balance Owed : {$14000.00} the aforementioned items are UNKNOWN to me. you are required to remove/block the items in my file that are fraudulent and erroneous. 
Ive already included this in my previous Complaint & I am including it again.
Consumer complaint received 2023-03-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: S&S Physician Services, Inc. (TX)

Harvest Associates INC. has reported an alleged debt of {$950.00} to the credit bureaus but never sent me anything validating the suspected debt or any form of verification in the mail. I sent them a request which was delivered and signed for on XX/XX/2023, at XXXX XXXX  via certified mail with a return receipt ( attached ) asking for validation but Harvest Associates INC failed to respond within the 30-day timeframe allotted to them. I sent out a second notice on XX/XX/2023 which is currently in transit via USPS-certified mail ( attached ) notifying them of their failure to validate and verify the alleged debt being claimed against me. Pursuant to FDCPA SECTION 809 ( a ) Validation of debts ( 15 USC 1692 G ) they must validate the alleged debt if requested. They have failed to respond to my request to validate and/or verify the alleged debt within 30 days. They also failed at notifying me before claiming it on my credit report. Due to their failure to respond and unfair practices, I am expecting immediate removal of the alleged debt from all credit reporting agencies, ( XXXX, XXXX, XXXX ) and that the alleged debt in its entirety along with any assumed fees is promptly deleted from their files and all public files due to their failure to validate it within 30 days of my request. I consider this matter closed and the alleged debt to be void. Please Note : This information does not mean I agree to the alleged debt being claimed against me.
Consumer complaint received 2023-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MA)

My original loan was taken over by New Rez in XXXX and since then my interests has been some years going up others going down. I have a fixed rate mortgage until XXXX so to my knowledge the amount going to interest should reduce each year and the amount going to principal should increase. I shall list my issues I contacted New Rez by phone, email and mail back in XXXX and now I am doing the same in XXXX. I will make a graph showing what I think are discrepancies. 

Interest charged XXXX XXXX {$1800.00} New Rez XXXX Total {$7500.00} XXXX New Rez XXXX {$440.00} more than XXXX XXXX New Rez XXXX {$1300.00} less than XXXX XXXX New Rez XXXX {$1000.00} more than XXXX I do not understand why my interest would increase one year decrease the next. I obtained this information from the tax form New Rez sends out each year. I thank you in advance for your help.
Consumer complaint received 2023-03-07
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

My mother passed away on XXXX XXXX. We weren't aware that my mother was in trouble with the mortgage company until we received a notice that the property was going to be auctioned on XX/XX/23. My mother was very ill and was not communicating with us the hardship she was facing with the mortgage due to her illness. We collectively as a family decided we wanted to sell the land through a short sale that mortgage was being held against. We since listed the property have been going through the short sale process. An appraisal was completed and when the appraisal was reviewed by the negotiator they found that they appraised the wrong block and lot. On XX/XX/23 an email was sent to them letting them know that they did an appraisal on the wrong lot. We provided them proof of this ( RECORED MORTGAGE, DEED, XXXX XXXX XXXX XXXX  ) and requested that the auction be postponed to allow time for them to make the necessary corrections due to their own error giving a reverse mortgage on a vacant lot and for them complete an appraisal on the correct block and lot. As of today, they have not postponed the auction and they have yet to let us know the status of them postponing the auction and continuing with the short sale as long as a new appraisal is completed on the correct lot. We are trying to resolve this issue as we don't want the last thing our mother had to be lost to foreclosure.
Consumer complaint received 2019-11-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retail Merchants Associates (MD)

I filed a dispute via the credit reporting agency asking to receive a detailed account of my medical bill from XXXX XXXX. I received 2 bills from XXXX XXXX just after I was treated which outlined in detail the services I received. I paid those promptly. Months later, I received the {$850.00} bill from the collection agency. I disputed asking for a detailed, line item receipt of the services I was being charged for as I feel is my right, but was never provided that information. Yes, I did contact the hospital for that information, no information was forwarded to me, nor could they tell me exactly what this charge is for. 

Regards.
Consumer complaint received 2023-02-09
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.