davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX. 
Account XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX  Bankruptcy Reference XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States that I have the rights 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 2022-08-30
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. (CA)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any account listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have XXXX business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

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 2022-08-30
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. (NJ)

XXXX XXXX XXXX XXXX XXXX has violated my privacy rights according to 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 written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Consumer complaint received 2022-08-30
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. (GA)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-14
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. (TX)

Hello, I reviewed my credit profile and saw two accounts that are reporting on my account incorrectly. This account is being illegally reported on my credit report. I formally disputed it directly with XXXX XXXX XXXX  in regards to their illegal reporting, and have not received any satisfactory reply. 

Therefore, I am now formally disputing directly with you. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX I am requesting your method of verification pursuant to the FCRA XXXX including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue reporting My gap insurance covered this expense in FULL!
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

on XX/XX/XXXX I obtained my credit reports from all three credit reporting agencies. 
XXXX, XXXX and EXPERIAN, and after looking over my credit reports yet once again I am very concerned about the inaccurate reporting that has been continuing to happen after countless attempts to remedy this situation and have the three CRA 's remove an account from XXXX XXXX XXXX. 

I also received a letter from the data furnisher who is XXXX XXXX  which I have attached where their Manager at the XXXX XXXX XXXX  clearly states that they did not " look at the account information '' when I had asked numerous times to do so because inaccurate and erroneous reporting was being made on my reports. After writing letters of validation to XXXX XXXX and the CRA 's each time they have said that the account was " verified '' when in fact it was not. As you will see on my recent credit reports that I have attached for the CFPB, you will notice that the account : dates are wrong the balance is incorrect the payment history shows on time payments in the year of XXXX which is false because the account was closed in XXXX and various illegal reporting 's of inaccurate information that has been going on for way too long. 

XXXX states in that letter that they did " NOT '' look at the account information, and that its " unfortunate '' whatever the CRA 's put on my credit report. 

According to 15 USC 1681, the data furnisher being XXXX XXXX as well as XXXX, EXPERIAN, AND XXXX is illegally reporting wrong information which has cause emotional distress, financial insecurity and hardships directly correlated to this account.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

on XX/XX/XXXX I obtained my credit reports from all three credit reporting agencies. 
XXXX, TRANSUNION and XXXX, and after looking over my credit reports yet once again I am very concerned about the inaccurate reporting that has been continuing to happen after countless attempts to remedy this situation and have the three CRA 's remove an account from XXXX XXXX XXXX. 

I also received a letter from the data furnisher who is XXXX XXXX which I have attached where their Manager at the XXXX XXXX XXXX clearly states that they did not " look at the account information '' when I had asked numerous times to do so because inaccurate and erroneous reporting was being made on my reports. After writing letters of validation to XXXX XXXX and the CRA 's each time they have said that the account was " verified '' when in fact it was not. As you will see on my recent credit reports that I have attached for the CFPB, you will notice that the account : dates are wrong the balance is incorrect the payment history shows on time payments in the year of XXXX which is false because the account was closed in XXXX and various illegal reporting 's of inaccurate information that has been going on for way too long. 

XXXX states in that letter that they did " NOT '' look at the account information, and that its " unfortunate '' whatever the CRA 's put on my credit report. 

According to 15 USC 1681, the data furnisher being XXXX XXXX  as well as XXXX, XXXX, AND TRANSUNIONS is illegally reporting wrong information which has cause emotional distress, financial insecurity and hardships directly correlated to this account.
Consumer complaint received 2022-02-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC (SC)

I have been shopping around for the best rate and my home builder wanted me to use Lennar Mortgage. I applied with them and they did a hard pull on my credit in late XXXX/early XXXX. I had been given an offer for a mortgage rate and then started working with other mortgage lenders to find the best rate. I was given a lower rate by one lender and Lennar asked me to forward over everything to see if they could beat it. On XXXX XXXX, they did another hard pull on my credit even though one was not needed to determine a quote. I raised a concern about this and was told by the loan officer XXXX XXXX XXXX XXXX, that they would have pulled one again before I closed if I went with them anyway so it's not important. I expressed that it was important to me and that I did not want to have multiple pulls on my credit from the same lender. Her response was that I signed an authorization and they could pull it as many times as they wanted during the home buying process. I had asked to be put in touch with her XXXX and over a week and a half later and multiple emails asking for the XXXX, I was put in touch with XXXX XXXX. She was extremely passive aggressive with this situation and said that its not like they will keep doing hard pulls on my credit constantly even though the authorization allows them to do so. I expressed my concern, that it sounded like a threat that they could purposely pull my credit as many times as they wanted and that they could sabotage my home loan with another company by doing so. She got very short with me and asked what do I expect them to do now that it has already been done. I asked her to remove them from my credit report and she informed me that she couldn't and stated that she wasn't even sure that was possible. I informed her I would be contacting the credit bureaus and disputing the hard pulls. Her response was short and rude. She again asked what I wanted them to do, and at this point, I knew that she really didn't care about her company doing this to me, so I ended the phone call.
Consumer complaint received 2024-03-08
Product: Credit reporting 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. (MS)

I have been try to get this company to clean my credit up and delete the things I dispute and update my credit report they took my credit score down and I am not understanding why I am XXXX  years of age and pay my bills on time my score should be XXXX not XXXX one day my score will be XXXX next day XXXX I will like my score to stay XXXX
Consumer complaint received 2022-08-30
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. (NJ)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX have 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 an account without my written instructions.
Consumer complaint received 2022-08-30
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. (NJ)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX have 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 an account without my written instructions.
Consumer complaint received 2022-02-24
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: EQUIFAX, INC. (GA)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!
Consumer complaint received 2022-08-30
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. (GA)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet XXXX  of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a XXXX  in the night, unseen hands had stolen my personal information, plunging me into a XXXX  maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust XXXX XXXX, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-08-30
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. (NJ)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX have 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 an account without my written instructions.
Consumer complaint received 2022-08-30
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. (MI)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX, XXXX XXXX, XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX, and XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2020-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (WI)

Since the loan originated, automatic checks have been being sent by my personal bank to the mort gage. Successful payments have been being made since origination for 63 months. Since the last 4 months, checks have but being cashed, but are still being sent. Late fees are being collected, sent additional checks, to which are also not being cashed. Tried to call and resolve, and make payment s by phone, was told by associate they needed to tell me that I'm past due, and they wanted to figur e out how, and was proceeded to be told it was my fault and the banks checks are being lost in the mail. Only to not be able to make payments
Consumer complaint received 2021-07-19
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: Social Finance, Inc. (NY)

I was added as an authorized user on a Sofi credit card without permission. It is now affecting my credit although I have called the company several times to explain that I have no knowledge of the card nor was my permission given to add me to the account. It has been reported to the three credit agencies and two of them refuse to take it off stating that it remains that I am an authorized user.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Several months ago I closed my credit card account with Capital One. Capital One acknowledged the closure, even reporting it to the bureaus. I have no further business with Capital One whatsoever. However for marketing purposes Capital One has continued, without my consent to access my credit report. To regain my business and enrich themselves Capital One keeps sending me emails that indicate the change in my XXXX score. As of today, I have received two emails that indicate the unauthorized access of my credit report by Capital One. First email notice was sent to me on XX/XX/2022 indicating a change in my XXXX credit score. The second email was sent today XX/XX/2022. The latter email indicates that my score has dropped by XXXX points and that I should sign up for their XXXX service. I consider these two emails as proof that my credit report was accessed without my written consent after the termination of all contracts with Capital One. Contracts do not and can not exist in perpetuity.
Consumer complaint received 2022-08-30
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. (NJ)

XXXXXXXX XXXX DELAWARE XXXX has violated my privacy rights according to 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 written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Consumer complaint received 2022-08-30
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. (NJ)

1XXXX XXXX XXXX has violated my privacy according to. 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 written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Consumer complaint received 2022-02-24
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (CA)

Mutual of Omaha, through their own actions and inactions, has taken over 8 months to not provide me with a promised reverse mortgage on my home. I went through, and paid for, all the counselling, I paid for the first appraisal. Between the incompetence and failings of my first loan XXXX., his XXXX and their obviously neutered underwriters I was repeatedly asked for the same information already on file. Over the course of the entire ordeal, I amassed large amounts of credit card debt which have become unmanageable. Out of frustration in not being able to obtain a loan, though I met all the criteria, and 6 months after the first appraisal, which, in XX/XX/2020 was already too old to reuse, and having not heard a word about my loan after more than 2 months, I decided to abandon all hope and possibly file for a bankruptcy. I called the company, turned out they had fired my first loan XXXX and his XXXX, but never said a word to me about it until I called to quit the loan. I have no cash left, not much credit left, no income other than my SS Retirement, huge credit debt. I could not afford to try another loan. They convinced me to let them try again and not having any real choice, other than bankruptcy, I did. We are now about 3 months into a new reverse mortgage. They used some of my old data for the new loan but still had the nagging problem of poor internal communications between depts.. IN the first loan they agreed to remove the Loan Origination Fee of about {$3500.00}, but this 2nd time they will not do that. I was not reimbursed for the appraisal I paid for that expired because of Mutual of Omaha 's negligence. I rarely hear from my new loan XXXX and have taken a " It doesn't matter '' attitude because I am heading for a bankruptcy even after all this time and trouble and expense and still not getting the loan I thought was a shoe-in. I am totally disappointed with Mutual of Omaha and how they failed to produce a loan I am supposed to be guaranteed by being a homeowner over the age of XXXX.