davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I was using XXXX services for a while. I recently moved overseas the past few months and have been renting at a location outside of the United States, though I still have mailing address in the United States. I use this information to fill out a tax form on XXXX with intention to use their service to file for taxes, however, due to inaccuracies information on XXXX tax, I decided best not to use their tax services to file my federal tax return this year, not that I am required to file my tax return since I am actually exempt according to the IRS. 

What happened next is very interesting, the foreign address which I use to fill out my tax return on XXXX which I did not file show up on my Transunion credit report on XXXX website, not only that, the information on that is incorrect as I am currently in XXXX, and the information show an address that is of neither XXXX or United States, I am trying to make a determination whether the incorrect information is from XXXX or Transunion furthermore, this is not the first time I have experienced incorrect information on my credit report on Transunion as well as XXXX site, combining with the fact XXXX estimation of my tax is incorrect, I have decided to no longer use XXXX services. I would like to know whether it is XXXX or Transunion that is inputting incorrect information on my credit report. 
This is not the first time Transunion has provided incorrect information on my credit report and I think there is something every wrong with this credit report agencies. Including manipulation of information, deliberating change information of customers. I believed this many incidents which include some I have reported in the past show potential extreme corruption in this organization.
Consumer complaint received 2022-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

Received letter dated XX/XX/22 from Truist Bank that our mortgage will no longer be automatically paid/withdrawn from our bank account. The date is the same day the mortgage was due to be paid. So the mortgage was not paid in XXXX as expected. Received no advance notice from Truist. Their merger has been a nightmare for customers of BB & T and SunTrust. Heard nothing but negative from people I know. 

I will be contacting Truist on Monday, but want to submit a formal complaint. Thank you.
Consumer complaint received 2022-04-16
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. (CA)

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX ACCOUNT XXXX ( XXXX ), XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX, XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX  ( XXXX ).
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XX/XX/2022 EXP XXXX XX/XX/2022 EXP REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

Our mortgage company has failed to pay our county, XXXX, and school taxes again. This is the second year in a row this has happened even though we have the money in our escrow account. Last year they repeatedly told us they would handle it but did not do so until we had a complaint with CFPB. We are now getting a letter stating there is a late fee and that a lien will be placed if the taxes are not handled right away. This needs to be taken care of immediately and we should not be responsible for any late fees.
Consumer complaint received 2022-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

Under federal rules, a lender can collect enough escrow funds to cover your annual bills, plus two monthly payments, plus {$50.00}.

My total disbursements were {$6600.00} the total in my escrow was {$11000.00} that is 69 % higher then needed.

Average payment is {$510.00} x 12 = {$6100.00} Plus tow additional payments {$510.00} x 2 = {$1000.00} Plus {$50.00} Total should be {$7200.00} They are exceeding the allowed Federal amount by 55 % or {$4000.00} Even in the attached scan I submitted they state the lowest monthly escrow balance should not exceed {$1000.00} but the actual lowest I ever got was {$1000.00} I called my escrow company and explained the situation, they said there is no one I could discuss with it directly but they would file a report and if approved the would reduce the next escrow payment and if I did not see a reduction then my request is rejected and I would receive no call back or notice.

I received waited two statements and not only did they not reduce the amount they increase it again.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email XXXX 15 U.S Code sec. 1681c-2 commands a consumer reporting agency Shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than ( 4 ) four business days after the date of receipt. It has been well over thirty days, and You are in violation of this law. Because I am a victim of identity theft!! Please delete these items immediately!!! 
These accounts should not be furnished in my consumer report [ a ] in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I have never given any consumer agency writen consent to report anything on my consumer report. 
Which violates my rights as a federally protected consumer no consent is identity theft as a consumer I demand the deletion of the listed accounts immediately. 
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 TRANS UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-16
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: NAVY FEDERAL CREDIT UNION (GA)

New Additional information : I have sent Navy Federal Credit Union a debt validation letter on XXXX {$1300.00}. I have yet to receive and any information pertaining to this alleged debt. It is past 45 days according to the FCRA, FCDPA. And they have violated my consumer rights. I will be seeking remedy. Since they did not respond to my debt validation letter. I followed up with a cease and desist letter. An account continues to report charge off on a closed account since XX/XX/2018. Which is also a violation of my consumer rights.
Consumer complaint received 2015-10-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Astra Business Services (FL)

XXXX continue to receive calls from " Astra Business Services '' XXXX, stating I owe money from XXXX XXXX XXXX from 2011. The person on the phone had an old address, and the last XXXX digits of my social security number. They requested my new address which I did not give them. I called XXXX XXXX XXXX and verified that I never had an account with them under my name and had no outstanding debts.
Consumer complaint received 2022-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (IL)

LJ ROSS ASSOCIATES XXXX XXXX XXXX XXXX XXXX Michigan XXXX Back in XXXX of XXXX, the above collection agency threatened to place a collection on my credit report if I didn't pay XXXX left from an original debt of XXXX from XXXX. I thought the debt was paid in full with the security deposit put down on the XXXX account 5yrs prior. When the rep from LJ Ross informed me that there was still a balance, I was annoyed for getting a call for such a petty amount but paid the debt immediately. LJ Ross still placed a collection on my XXXX credit report a week later, reporting the debt after it was paid. I called to inquire why and it was noted in my account that the female representative didn't like my tone during our phone conversation. Not to mention they reported an erroneous amount/date for the original debt. I disputed the dates and amounts with XXXX. XXXX updated my report with the correct amount, date and paid in full but didn't remove. I've been fighting for 6 years. Please investigate.
Consumer complaint received 2022-04-16
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. (TX)

In accordance with the Fair Credit Reporting Act, Account # XXXX, Account # 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 2022-04-16
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. (CA)

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX ( XXXX ), XXXXXXXX XXXX XXXXXXXX ( 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 ),
Consumer complaint received 2022-04-16
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Hello and good day. I'M writing this complaint because I have been disputing the Inaccuracy of each of the accounts that i will list and the bureaus ( XXXX, transunion, and XXXX ) seems to not care about following the rules of the FCRA. 
I have multiple accounts that are over the statute of limitations and are still reporting as well as an an account that couldn't be truly verified when after i sent in 6 months of letters showing the violations that are on my report. 
This is causing my life damages and Im getting tired of dealing with these folk to no avail. My next step is to begin speaking to a consumer rights attorney because this is nonsense. 

XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX This account has 3 different dates last active so obviously its Inaccurate and now in total violation because they still haven't deleted it. 

XXXX. XXXX XXXX XXXX XXXX reporting a past due on a collection. I read this is A violation of thr FCRA. 

XXXX. XXXX XXXX TransUnion and XXXX are reporting 2 different dates last active and this account is way past the ststute of limitations. Why is this still reoprting? 

XXXX. XXXX XXXX XXXX XXXX All three bureaus are reporting different dates last active, the statute of limitations is up and its been reaged plus theres activity being reported after the account was charged off. Like really? Its like they're intentionally trying to cause me damages XXXX. XXXX XXXX XXXX XXXX again all 3 bureaus are reporting 3 different dates last active, the statute of limitations has past but they are reaging the account and XXXX is reporting activity after this account was Closed.
Consumer complaint received 2016-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education (TN)

My student loans were transferred to XXXX from XXXX. I had a rate reduction to 4.3 % while at XXXX for setting up auto payment at graduation.. After the transfer, XXXX set my rate back up to 6.8 %, I have the letter showing the terms of my loan with the rate reduction. I have called several times, they say they ca n't change my rate back to 4.3 % because they did n't get my bank info from XXXX. I have been trying to set up auto pay since XX/XX/XXXX over the phone and by email, it is now XX/XX/XXXX, and my interest rate is still set at 6.8 %. Their customer service is among the worst I have ever dealt with, never rude, just incompetent.
Consumer complaint received 2022-04-16
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (IL)

My Covid 19 foreberance was scheduled to end XX/XX/XXXX. I contacted BSI financial to let them know to extend on XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and was only sent to a voicemail each time. I started my forbearance on XX/XX/XXXX and my 360 days would not be until XX/XX/XXXX. I just received a notice of default and intent to accelerate.I have not been offered any loan modification and have been charged late fees. The company is unresponsive and they are not acting in good faith and my loan is secured by USDA. I am asking for your help. Thank you.
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/22 there was a new capitol one account opened in my name. I only have one card ND it's a capital one quicksilver card. I really want this looked Into please as this is not me
Consumer complaint received 2022-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Accounts listed my automotive credit continue to be listed as negative marks for XXXX XXXX and XXXX on account # account # s XXXX, XXXX and XXXX. In fact the XXXX mark is listed as 60 days late. For that to be 60 days late it means XXXX wasnt paid till XX/XX/22. Beings they posted the 60 days late on XX/XX/22 truly backs up the claim that all posted marks have been done wrong and not reflected correctly.
Consumer complaint received 2022-04-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

About a week ago, I was contacted by someone on a social media app, XXXX, about an XXXX opportunity including cryptocurrency. And coin exchange. I downloaded the app which was in XXXX XXXXXXXX XXXX, called crypto.com. And that led to another app called XXXX XXXX XXXX. The app seemed legitimate and there were many reviews. I hid any private information during the exchange but eventually realized the app was a scam as well. 
We had multiple exchanges on the app, text XXXX ( XXXX ) XXXX, XXXX With the person XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  with XXXX XXXX  XXXX XXXX XXXX. 
I was convinced to send money thinking that the app was real and that there was no connection between the 2. The amount totals in {$50000.00}. 
When I realized what had happened, I tried to gain my money back but to no avail.
Consumer complaint received 2022-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC (NC)

Atlantic Bay is illegally and fraudulently not releasing money out of the suspense account that is more than my monthly payment. This is constructive theft as Atlantic Bay will not release money that is more than my mortgage and may be being done in unlawful retaliation for me doing a home loan modification.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent the information to Transunion to remove the late fee from the credit report because the company made a mistake and overcharged me. I submitted evidence that was provided to me and they still have not removed it I keep having a problem with this credit company and I want to know why.
Consumer complaint received 2022-04-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

I've been in dispute with XXXX XXXX with a debt that they think I've owed. The dispute started in 2019 when XXXX XXXX unilaterally changed the terms of service by changing the billing from prorating to monthly cycle. In my previous complaint to CFPB about XXXX XXXX, I presented my case and XXXX XXXX was not able to prove that it had communicated with me via any email, phone, in statements for paperless billing consumers or any other forms that are applicable to paperless billing consumers about this change and I wasn't aware of this change until I ended my services with XXXX XXXX. I disputed the debt and XXXX XXXX and I have been hung on this issue. Currently, XXXX XXXX has sold the wrongful billing statement to different debt collection agencies over the years and now I'm being harassed by different debt collection agency every year with a disputed debt Validation Letter and hence I now have to deal with said agencies. The new agency is IC, systems to whom the debt has now been sold to and despite explaining to them the issue, this process is not working and I'm afraid this debt with show up my credit report despite it being fraudulent. I, request, IC systems via CFPB to immediately cease any attempts to report this to credit agencies without further as this debt is fraudulent.
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Ive applied for a new mortgage and several lenders, myfico, XXXX XXXX and ect is unable to access my equifax repeort. Ive called equifax 12 times and have been advised theres no freeze nor fraud blocks. However, no one can access the report thats jeopardizing me loosing my forever home. The error message is notating mismatch information, however Equfax has verified all information to be correct several times.
Consumer complaint received 2022-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (TX)

I have made timely payments on my mortgage. Yet the mortgage servicing company ( Axos bank ) has reported a late payment ( 30-60 days past due to the credit bureau ) . This has damaged my credit score.

I am attaching the credit report showing the missed payment, as well as evidence of timely payment ( Payment cleared from my checking account ).
Consumer complaint received 2024-03-11
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)

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 a gainst you!
Consumer complaint received 2022-04-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (AZ)

I logged into my Binance.us account and they have new terms and conditions as of XX/XX/2022 saying I need to agree to the sharing of my biometric data to access my account. I was never given notice that there would be new terms. I cant access my money to withdraw it and delete my account without first agreeing. I dont understand how its legal that they can hold customers money hostage. I dont agree to the terms and I want to withdraw my money.
Consumer complaint received 2022-04-17
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: Experian Information Solutions Inc. (PA)

I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge also I am not using any third party only ME. There are items in my credit file are from unauthorized use of my social security number and card. I did not authorized these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any this.