davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 )
Consumer complaint received 2019-10-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Credit Technologies, Inc. (MD)

Credit Tech ran my credit for a refinance for mortgage on XX/XX/XXXX that I authorized. I did not authorize Credit Tech to run my credit on XX/XX/XXXX because I decided not to go through with the refinance. I am not sure why they ran my credit without approval. This needs to be removed from my inquiries list asap.
Consumer complaint received 2019-05-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I called pen fed credit union to let them know of some fraudulent activities on my account and they acknowledged all the transactions and refunded the money to me. Later on I received a letter stating that I need to write a statement in regards to what had happened with that merchant and I did. In return they sent me an email from the fraud department that they will need to hear from me before XX/XX/XXXX in order for the funds not to be reversed, since I am out of the country I called them on a XXXX  phone in order to ask why if I received ba letter that I need to make contact before XX/XX/XXXX and now you guys have reversed the funds and now caused my account to be in a negative status. Below is the letter I wrote to them to support my claim. 



To whom it may concern, I am writing this letter in regards to those charges that was fraudulent in my checking account and that I did not authorized this company XXXX. I tried a promotion they were having in regards to making a deposit of {$10.00} and they will match your deposit and also gives some additional funds. I was not aware that this company was going to store my card information on their website and when I realized all of the unauthorized charges I quickly call my banking institution to make them aware of the discrepancy and to let them I never allowed XXXX to charge my debit card. 
These charges were not made by me and I tried calling them and they keep on transferring me without any response and they also closed the account as soon as I reported the fraud. Thank you for your quick resolution This is the response they sent me. 

Hello XXXX XXXX, Thank you for your most recent information regarding the 12 {$25.00} sales to XXXX. I am sending you this email with the following information : If you do not recognize these charges, please contact our Fraud department no later than XX/XX/2019 or the matter will be considered closed. You may call XXXX or from overseas call collect XXXX and report the account as being compromised and state that these particular transactions as suspected Fraud. The above referenced account will be shut down and you will receive a new account number. Additionally, the Fraud representative will advise you that an affidavit will be sent to you within 7-10 business days that you must complete the affidavit and send it back to begin the fraud investigation. 

If you have any questions, please contact XXXX Sincerely, XXXX XXXX Credit Card Dispute Analyst XXXX ext XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PenFed.org I  have not had any issues with this credit union nor any disputes and they should not have handled my case this way.
Consumer complaint received 2019-07-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Americor Funding, LLC (TX)

XX/XX/2019 Credit9 sent cash disbursement check {$31000.00} as a consolidated loan. When I called they requested personal information which included my social security number. However I think this was a scam to get my personal information because they no longer communicate when I call XXXX and there was no such loan. Im afraid what this company will do with my personal info especially my social security number.
Consumer complaint received 2019-05-26
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: Experian Information Solutions Inc. (FL)

There are several inquiries on my credit report due to XXXX XXXX. An injunction was filed on her in XXXX County due to stalking, feeling unsafe, and identity theft. The only inquiries that are accurate are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX. All other inquiries are fraudulent and have not been removed after several attempts.
Consumer complaint received 2024-03-05
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. (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 XXXX XXXX XXXX. 
XXXX XXXX XXXX Reported on XX/XX/XXXX Account number XXXX Amount XXXX collections collections XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$4000.00} collections XXXX XXXX XXXXXXXX XXXX  Date opened XX/XX/XXXX Account number XXXX Balance {$690.00} collection XXXX XXXX Date opened XX/XX/XXXX Balance {$680.00} collection
Consumer complaint received 2022-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX @ XXXX. I spoke with customer service department of Capital One regarding their Hoarding activities for Excessive interest charges. My account was paid in full XX/XX/22 in the amount of XXXX. prior to this activity, Capital One lowered my credit limit of XXXX thus causing my utilization rate to change for their likings with the credit bureaus. 
this is the metrics they use on people of XXXX.
Consumer complaint received 2018-11-27
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: EQUIFAX, INC. (GA)

I review my credit report several times monthly. On XXXX, I reviewed my credit reports and saw that XXXX XXXX added a collections item to each of my credit reports. This dropped my credit score 30 points. The original creditor was XXXX. I do not have an account with XXXX. I never received any type of notification ( written or verbal ) from this company of an outstanding debt. I disputed these items to be removed from my credit reports but they were only updated to show the balance due as {$0.00}. I paid XXXX.
Consumer complaint received 2022-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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.
Consumer complaint received 2021-03-10
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. (NJ)

I reviewed my credit report and seen items on my credit report that were not accurate and I did not recognize. I sent a letter as recommended to the bureau explaining all the items that I wanted to dispute on XX/XX/2021. I sent the letter to the credit bureau explaining which items that should be investigated. Based on the Federal Credit Reporting Act it says that the bureau should have completed their investigation or responded to me within 30 days and notify me of the results. Its been over 30 days and I recently checked my credit report again and it is still showing the same items I disputed. I also wrote a letter demanding them to respond because it is way beyond the 30 days and they should have responded already. At this point, I do not know what else to do because my disputes have been ignored and no investigation has taken place.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, 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. (AZ)

Complaint involves all CRAs. 

Multiple CRAs, multiple credit scores, multiple scoring models makes it easy for lenders to use data as they please. This impacts the customer. 

Example : Through XXXX XXXX my credit score is XXXX using FICO model XXXX XXXX data. 

I applied for a loan with XXXX XXXX  and although approved the credit score came back at XXXX using TransUnion with a rate of 7 % Unsure what model used.
Consumer complaint received 2021-11-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (IL)

I lost my job and was unable to receive job offer paying nearly what I was making. Unfortunately as of XXXX I fail behind on my mortgage and decided to do a Forbearance for a year XX/XX/XXXX to XX/XX/XXXX. I have a buyer for my home but the mortgage company seem to not want to work with me. My current mortgage is almost XXXX dollars. 
Before the forebaarance I had NO choice but to file chapter XXXX bankruptcy., I just was not receiving the job offers. I worked for XXXX while interviewing for other jobs, I worked for XXXX  while interviewing for other jobs, I worked for the XXXX XXXX XXXX XXXX XXXX and was wrongfully terminated after 6 months. The situation is currently being investigated. I finally received a job offer that offers more stable employment but I am still over XXXX less than I was making. I called my mortgage lender ( Rocket Mortgage or Quicken Loan ) and asked for a final payout. It has been almost a month and I have not received anything from them. To be honest some of the agents were condisending about my Mortgage status. I expressed that I have a buyer who has the the income to buy the home but I have received absolutely NO support " We will put in a request for a pay off amount ''? No follow up. " We have a different email address for you '' Not True. " It takes several weeks to receive a Final Pay Out " We are almost at week 4. " Get a Realitor " I still need a pay off. Why can I do a simple sell by owner? No explanation. My buyer has already been approved so why add to my already stressed financial situation. None of this is my fault, its just life showing up in a bad way. The reality these Mortgage Companies are not sympathetic at all. I have been paying my mortgage without any problems since XXXX now I am treated as if I am a lazy low life. All I want is to be responsible and sell my XXXX XXXX condo to someone who can handle the mortgage.
Consumer complaint received 2022-02-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (VA)

The company has not sent a statement of the bill in 3 months although payments take place. Furthermore, in communication within the company, they said they would send invoices via email for the current status and begin sending them. Still have yet to see one statement although I am paying the bill.
Consumer complaint received 2022-02-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN XXXX XXXX Re : XXXX  XXXX  Account Number : XXXX To Whom It May Concern : I would like to make arrangements to settle the above referenced matter ON CONDITION that you : 1. Produce the account and general ledger statement showing the full accounting of the alleged obligation you are attempting to collect from me, signed and sworn by the person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity, and able to testify under oath to that effect. 

2. Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 
Please contact me in writing to arrange for an appropriate point of inspection. 

3. A statement admitting whether you are the holder in due course or whether you are a servicer. 

Lastly, Please provide me with your statement of the amount owing as of ( XX/XX/22 ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. I am giving you formal notice that failure to respond to this letter through a verified and validated proof of claim within 7 days as I have asked for, point for point will be taken as an administrative default. 

Thanks. 
XXXX XXXX Without Prejudice
Consumer complaint received 2019-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have disputed the student loan account with the credit bureaus for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal, this requires immediate deletion.. 
US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX , US DEPT ED XXXX , US DEPT ED XXXX
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Century First Credit Solutions (CA)

hired this company to consolidate my debts and pay those debts I am paying {$380.00} per month and almost more than a year paying them this amount but they have not complied with this program to pay the debts I communicate with them and say they are negotiating the doubts but it is not true and I received several letters of lawsuits in court and they do not give me solution to these problems. What I can do?
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (GA)

Good morning, I fell behind on my mortgage payments with Midland Mortgage for rental property that I owned out of state during the pandemic. I was in and out of work, changing jobs several times beginning in XX/XX/XXXX. I entered into deferred payments with Midland Mortgage sometime around XX/XX/XXXX thanks to the CARES Act. I made payments when I could. The opportunity to sell the property presented itself XX/XX/XXXX and I leapt at the chance. The house sold in one week. I spoke with Midland Mortgage shortly thereafter explaining that the house would be empty for most of the time up until closing, and that I wouldn't be able to continue with my payments until the sale closed. I informed them that they should expect to be paid in full and estimated the closing for early XX/XX/XXXX. All of the representatives at Midland Mortgage that I spoke with said that that would be fine. One of their agents went so far as to say that I wouldn't be in any serious danger of repercussions until XXXX of XXXX. To my disappointment, the closing was delayed a number of times and stretched into the new year and closed on or around XX/XX/XXXX. 
Midland Mortgage then reported " Serious Delinquencies '' of past due payments of over 120 days to the credit agencies. I called Midland Mortgage and expressed my disappointment because I understood that the CARES Act protected me from negative reporting. The agent at Midland Mortgage agreed with me stating that I have the option to submit a dispute, which I did XX/XX/XXXX. XX/XX/XXXX they denied my request. 
The short version of my story is : Not one of Midland Mortgage 's agents made mention of the possibility of a seriously bad credit report. If I had known in XX/XX/XXXX that Midland 's derogatory reporting would prevent me from obtaining another mortgage or even getting an apartment, I would have found a second job. I used to have good credit and all of my bills are paid early, with the exception this rental property mortgage because the CARES Act afforded me some relief. This pandemic has been hard on a lot of Americans. I'm one of the more fortunate ones. I don't see how my bad credit report benefits Midland Mortgage. They have their money. My account is closed. All I am asking is for Midland to amend the reporting. 
Thank you for taking the time to hear my complaint. 
XXXX XXXX
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX I went to XXXX XXXX and purchased a prepaid XXXX phone clealry marked " Prepaid '' on the box, and marked many times within the packages contents. XXXX only sells prepaid phones. I used the phone for two months purchasing prepaid phone cards from XXXX. This is the only time in my entire life I have ever used XXXX for any purpose. I never made any purchases, signed up for any contract, or incurred any charges. I never received any bills, collection notices, or any communication in any form from XXXX ever. How can I owe money for something I never had, and for an account I never opened? Have they somehow mistaken a prepaid phone I purchased outright for something else? It states " Loan Type '' ..what loan are they speaking of? Almost 3 years later I see this on my credit report. 

Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : TELECOMMUNICATIONS/CELLULAR Balance : {$130.00} DateUpdated : XX/XX/XXXX High Balance : {$130.00} Past Due : > XXXX XXXX< Pay Status : >In Collection< Date Closed : XX/XX/XXXX I am 100 % certain this is an error. I am sure I have never owed XXXX any money for any reason. I filed a credit report Investigation with Transunion who sent me back a result stating only that it " Belongs to me ''. and nothing has changed. I still have the phone I purchased from XXXX. When I called XXXX they have no idea what the charges are for and were not able to tell me anything.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.