davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Every XXXX, I order a free copy of my credit reports from the three credit bureaus, via a XXXX.XXXX. I provide all the necessary information ( SS #, DOB, address for past 2 years and full name ), as I have done for over a decade. TRANSUNION, LLC is refusing to send me the free annual copy of my credit report which I am entitled. Transunion is notorious for reporting wrong information on credit reports. I deserve to see my credit report to dispute ANY and ALL incorrect information.
Consumer complaint received 2018-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

My mortgage with XXXX XXXX XXXX  was discharged in bankruptcy on XX/XX/XXXX Then, the worthless mortgage was acquired by Ocwen Loan Servicing LLC [ OLS ] on XX/XX/XXXX almost 18 months after the bankruptcy for {$130000.00}. 

Then on XX/XX/XXXX OLS began foreclosure proceedings in XXXX County Court, Florida. I was told that the Foreclosure was for clearing the title and not an attempt to collect the " XXXX '' debt. 

The subject property was sold on the market in XX/XX/XXXX for {$160000.00}. 

On XX/XX/XXXX the property loan balance {$130000.00} was removed from OLS books including late charges of {$1500.00} The removal of the loan balance, called a " cancellation '' of debt by OLS, created a XXXX for XX/XX/XXXXof {$130000.00}, FIVE years after the bankruptcy
Consumer complaint received 2018-04-17
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. (DC)

I am in the process of receiving a home loan, and was notified by my lender that my Equifax credit report was not available for delivery. ( There are no problems with my XXXX and XXXX   credit reports. ) The lender received this alert regarding my Equifax report : FACT ACT : Information from your inquiry has been identified as potentially fraudulent or misused, therefore the credit report is not available for delivery. 

As a result, I called XXXX on XX/XX/XXXX to make sure that Equifax had all of my correct and current information. When the Equifax representative pulled the information associated with my social security number, a name and several addresses appeared that are not mine, indicating fraud. 

I was informed by the Equifax representative that I needed to provide documents ( including a cover letter, and scans of my drivers licence and social security card ) to verify my account. I faxed this information to ( XXXX ) XXXX on XX/XX/XXXX, but was informed today that Equifax had not received my documents. I will now have to re-submit all of my information to them, and wait another 2-5 days until they can process the documents. I was not given a dispute reference number at any point of this process, so there is no way for Equifax customer service representatives to track my problem across multiple calls, or provide me with any updates as to my dispute at this stage. It feels like I am being asked to fax my most sensitive personal information into a black hole. 

Our closing is one week away, and our lease is up on our apartment at the end of this month, so it is possible that any further delay could derail our closing, leave us without housing, and cost us hundreds of dollars in additional storage and moving costs. 

My impression of Equifax in its handling of this dispute resolution/account verification process is that they are unprofessional, disorganized, and unworthy of the hugely important responsibility they have to American consumers.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX is reporting inaccurate information such balance owed, and charge off date and date the account was officially opened!! Also the {$490.00} balance is not what was owed when they said this account was charged off!! This information is inaccurate and I want documents bearing my signature showing I owe this debt to XXXX XXXX! I keep disputing and XXXX, XXXX, Equifax saids that things were updated non related to my dispute!! I Demand documents bearing my signature showing I owe XXXX XXXX this debt!! I have sent out certified letters to them and I received itemized bill! you will not fool me with itemized bills!!
Consumer complaint received 2019-08-28
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. (SC)

On XX/XX/2019 I sent Equifax a method of verification letter for explanation of what information they obtained to verify accounts on my credit report. However they failed to respond to my request
Consumer complaint received 2018-10-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (OH)

Closed checking account at J.P Morgan Chase Bank in XX/XX/XXXX. Chase seized my Social Security XXXX funds from this account to pay off another charged off account. No written accounting was ever provided to me informing me of the bank 's intentions, nor even evidence of the bank 's internal seizure actions as detailed on closed account statement runs I obtained by visiting the branch personally. 

This is an improper seizure as Social Security is not to be used to pay off any other shorted account besides the one in which it is deposited. No income other than Social Security was deposited into this account since XX/XX/XXXX. 

The charged off account for which my Social Security funds were improperly seized did have the same account number ; however, every single one of perhaps as many as 10 different Chase personnel with whom I spoke, either at the company 's branches or its customer service phone numbers, insist that two different distinct accounts existed. 

The first was closed in XX/XX/XXXX. The second ( the closed account where funds were improperly seized ) was opened in XX/XX/XXXX at Chase 's sole discretion. I have the bank statements showing the closure of the first account and the opening of the second. Moreover, no collection attempts other than the improper seizure have been made. 

The seizure comes at a particularly difficult time for me health wise. None of my phone calls or visits has addressed my concerns. An attorney also wrote a demand letter on my behalf for which no response has been received.
Consumer complaint received 2022-05-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (CA)

I attempted to pay my mortgage online on XXXX XX/XX/2022. The site said I needed to " recreate '' an account. I attempted to do so, and it said my new password violated their " rules. '' I could not locate any " rules '' on the site. On Monday XXXX XX/XX/2022, I called the company for assistance. They said they were receiving more calls than usual, so I oped for a callback. In the 3 hrs, till they closed, I did not receive a callback. 
I am concerned the company has been hacked and they are trying to avoid telling consumers about it, which is illegal in California. Or they are in financial troubles and do not want that to go public. In either event, they are not helping the consumer with an issue of their making. 
To prevent any late payments, I maile them a check.
Consumer complaint received 2022-05-04
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. (CA)

XXXX XXXX XXXX  XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX  NA before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX NA to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX  NA 's business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), they parrot any information given to them as a means of coercing consumers like myself to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2022-05-04
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under C + open end consumer credit plan as late for any purpose. 
XXXX
Consumer complaint received 2022-10-18
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. (TX)

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. 

Account name : XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number # XXXX, 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 Has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2020-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/20 I deposited XXXX In a atm in XXXX az. That same day three atm unauthorized transactions were done totaling XXXX than XXXX at a XXXX XXXX then a XXXX XXXX, XXXX and XXXX transactions unauthorized as welll.I had thought I lost my card the day before I figured I left it at home. On Sunday in order to pay my crew I XXXX XXXX XXXX and became overdrawn thats when I knew something happened. I emailed chase bank locked my card and followed up with a phone call. Only to be rejected disrespected and basically put of business from this ordeal. I was always redirected hung up on and that is after waiting on phone for 30 minutes .Ive been put out of business my insurance for my business has canceled Ive defaulted on my loans I was averaging XXXX to XXXX XXXX dollars a month now Ive been negative for weeks cant even cash checks for jobs Im on now.the chase agreement says zero liability for unauthorized transactions I feel I have been mistreated right from the start because of my race I dont know what else to do Im losing a flourishing business and chase bank has done absolutely nothing in regards to my claim they did reimburse the XXXX XXXX transactions
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Here is my problem, I will paste it. " Lack of real estate secured loan information '' This is one of the reasons my credit score is low and I am paying higher interest rates, according to transunion credit score. Why should i have a hit on my credit score for owning my house? This needs to be stopped now or maybe the people need a classaction lawsuit 5o get it corrected.
Consumer complaint received 2020-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (TX)

After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under Creedence Resource Management and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as Creedence Resource Management had not responded nor was the account reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
Consumer complaint received 2022-05-04
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. (FL)

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

Identity theft has happened to me. I've attached my ID and a copy of my identity theft report to verify that this dispute was lodged by me. These charges are not included in the list since I did not make them. I meet all of the requirements for Blocked and Removed entries on my consumer report under 15 USC 1681c-2. Failure to comply is a as a consumer, my rights have been violated.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Identity theft has happened to me. I've attached my ID and a copy of my identity theft report to verify that this dispute was lodged by me. These charges are not included in the list since I did not make them. I meet all of the requirements for Blocked and Removed entries on my consumer report under 15 USC 1681c-2. Failure to comply is a as a consumer, my rights have been violated.
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a notice from XXXX XXXX a month ago, stating my score had dropped. After checking this report, I noticed Capital One reported my account late. I entered into an agreement with a third party, consolidating all of my credit cards. Capital One signed on XX/XX/2017, with the new terms and monthly bill. After founding out this information, I called and spoke with Capital One, that said, they were behind on reporting and it would be experdiate and handled in a timely manner. As of today, nothing has been done and my report is still negative. I am working on my credit to buy a house, and this is hurting my chances.
Consumer complaint received 2022-10-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (SC)

I have contacted this company XXXX XXXX XXXX XXXX several times the last time being XX/XX/2022. I requested Validation of the debt they are trying to collect and they continue to send me an envelope full of billing statements. I requested an original contract bearing my signature. If you could please have this company supply a contract or something with my original signature so that I know for sure this is my debt. If they cant provide this information could you please have the remove all of this negative reporting from my reports. I have sent them proof that all three credit bureaus are reporting different information on this account so this further confuses me on this being my debt.
Consumer complaint received 2020-01-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (MS)

I now received XXXX payments of {$1400.00} per month. When I placed the loan 2.5 years ago I was fully employed. My husband has been very ill over the past year and has caused a temporary hardship due to this fact. He has a XXXX XXXX which is now controlled as of date. We have had to deplete all savings in this regard but now we are starting to get back on track because my husband is back working full time. The reason for this complaint is that I talked to a Honda Financial Services financial supervisor named XXXX. She told me to XXXX XXXX a full payment which is {$780.00} to her by XXXX XXXX  today of which I sent around XXXX CST today and that I would need to make another payment by next Friday, XX/XX/20 and I committed to make that payment with her. Well apx. an hour after I made the payment a recovery service was picking up my vehicle out of my yard. I told them I had made the payment and payment arrangements with Honda Financial and they had to be at my home in error. I called XXXX back and she will not answer the phone and another representative named XXXX told me that they were going to refund my money back and they would be keeping my vehicle. I fulfilled the verbal agreement I made with her, so I do not understand how a credible business can break their verbal promise that I have complied to. They are foretelling my financial future to tell me I will not be able to pay the car note and I have had this vehicle over 2 years and I am expecting a large sum of money in the immediate future to cure all financial concern, so they have discriminated against me and lied to me
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Filed and attempted multiple disputes on XX/XX/XXXX - XX/XX/XXXX hence no reply or action by company. I have filed dispute over inaccurate information listed on my credit report. I have waited over 30 days and tried to give XXXX, Experian and XXXX a chance to resolve this issue. I filed a re-investigation, and still no lawful response XXXX, Experian and XXXX has chosen to violate and ignore the statues of the Fair Credit Reporting Act. I have legal documentation of my attempts to have this inaccurate and false information removed. I am respectfully requesting that the disputed and unvalidated information be removed from my credit report, in accordance with the provisions pursuant to Fair Credit Reporting Act 616 ( a ) [ 15 USC 1681n ] and [ 15 USC 1692c ( 8 ), c ( 10 )
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello CFPB, I had sent in some sensitive documents for example, birth certificates all the documents that XXXX, transunion and XXXXXXXX request to freeze minor credits. XXXX had prompt service in gave my freeze pins for my XXXX XXXX  children.I sent in the information around XX/XX/2021 I have not heard anything from XXXX or Transunion. When, I try to call the company I can not talk to live a person, and when I did the customer service person said they do deal with that kind of thing. Im concerned about where me and my children sensitive documents went or who has them at transunion and XXXX.