davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
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)

I am a natural person with rights under 15 USC 1681, and I want to file a formal complaint against the consumer reporting agencies for violating my rights under the Fair Credit Reporting Act. Specifically, the following items on my credit report were reported without my permission : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX These actions violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, as well as the following sections of the Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A : right to privacy 15 U.S.C 1681 Section 604 A Section 2 : consumer reporting agencies can not furnish an account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section : no consumer reporting agency may make any consumer report containing 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 ) : no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Additionally, I did not authorize the following companies to access or pull my credit report, and these inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted these companies and they have no proof that I authorized these inquiries or that they were made for a permissible purpose. Therefore, I request that these inquiries be removed immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-05-01
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: Experian Information Solutions Inc. (CA)

This account was from XXXX its too old to be on my report, plus in XXXX it was removed as inaccurate they are trading it back and forth from myself to my ex husband fraudulently it needs to be gone now its ov er 7 yrs old
Consumer complaint received 2019-01-20
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. (NC)

ON XX/XX/XXXX I WAS A VICTIM OF ID THEFT. NUMEROUS ACCOUNT HAVE BEEN OPENED FRAUDULENTLY IN MY NAME WITH MY ID. BELOW ARE THE ACCOUNTS THAT I HAVE NOTICED ARE FRAUDULENT.

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX I HAVE FORWARDED THIS INFO TO : XXXX, XXXX  AND EQUIFAX. EACH CREDIT BUREAU HAS REFUSED TO REMOVE THE FORGOING DATA.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I keep getting unwanted credit card offers in the mail for my deceased husband. My husband died in XXXX XXXX XXXX, I have contacted Capital One numerous times and they will not stop sending mail to me in my late husbands name. I have moved twice since my husband died, one of those moves was out of state and they keep sending me offers to my new address. Repeatedly. I moved again four months ago and they found me. I have received three separate offers in my deceased husband name in the last three weeks alone. I have asked them more times than I can count to please stop sending mail addressed to my late husband at my address. I have called, returned the offers with the verbiage ( deceased - return to sender on it ) and written letters asking them to cease. They will not stop. I believe I filed a complaint with either you or the FCC back in XXXX requesting help to compel them to stop. It worked for a year, now they are back at it. Please help stop this harassment. 

Thank you, XXXX XXXX
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  : # XXXX, Account name : XXXX : # XXXX, Account name : XXXXXXXX XXXX XXXX : # XXXX Account name : XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX, # XXXX, Account name : XXXX XXXXXXXX, Account name : CXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  # XXXX, Account Name 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

My lender RUSHMORE, had violated almost every right in the home owners bill of rights. I submitted a modification package they XXXX XXXX  service. Transferred me to RUSHMORE, not once have I spoke to my rep, in loan mods. They said the package wasn't received in time, they have a filter on the amount of data they can receive, I sent the package in 2 sections, they say it's incomplete, throughout they have dual tracked my loan, my daughter was hit by a car I missed court but had a PhD medical excuse, I had to refile my XXXX they sold my house without checking the XXXX filing after I told them I filed, i owe XXXX XXXX they say I owe XXXX because of their fees. 
I'm a 30 day period the changed my payment 5 times, the attorney without authorization raised my interest to XXXX when the cap on my modification is 4 %. 
During the pandemic they refused to grant me me a forbearance, for over a year the have applied undue influence upon my family causing such duress my daughter has been placed 3 separate times for 2 week periods of XXXX in the last 3 months, she still suffers daily from psychotic episodes. For a year they have tried anything to make our home unaffordable. All my escrows are caught up I'm behind {$8000.00} in XXXX. But they are penalizing me {$23000.00}. For year they have objected to my XXXX  while I paid {$700.00} extra to catch up. They use multiple servicers to act in a predatory manner behind the veil if their Servicers XXXX XXXX  pulled my mortgage out of the XXXX XXXX pool and privatized it to allow them to skirt forbearance and actively forclose my equity all while I'm waiting delays in Soc Sec XXXX review. They act in a usury fashion all the while their henchmen over at RUSHMORE sit on their UNPAID TARP ASSETS IN THE TUNE OF XXXX XXXX dollars of unpaid loans to he AMERICAN TAX PAYER. They should be shut down for there predatory actions and be forced to pay restitution to all the homeowners they have illegally foreclosed. Thank you for your time and consideration in this matter, anticipating your response, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/2021 I wrote a letter to Midland Credit management requesting validation for an account they have listed on my credit report, I specifically asked for validation bearing my signature showing that I have ( or had ) some contractual obligation to pay them. I also requested that if validation was not provided removal of all entries to the credit agencies must stop pending the out come of the investigation. As of XX/XX/2021 the validation has not been provided, Midland continue to report to the credit agencies which is a violation of the Fair Debt Collection Practice as well as the Fair Credit Reporting Act, I'm respectfully seeking your assistance in resolving this matter. I need your help!
Consumer complaint received 2024-03-02
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. (KY)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2023-04-05
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2021-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I have been contacting Navient since XXXX trying to acquire information on loans from XXXX, not the consolidated information that they have sent several times. My issue is with the information provided on the Federal Student Aid website does not match. When contacting the Student Aid website I was given a different response regarding the canceled loans than what Navient stated. Attached is a copy of that email and the canceled loan information. Most of the canceled loans had been applied correctly my issues are only with a few of them. I am not sure why I can not get this information, unless it no longer exists.
Consumer complaint received 2023-04-05
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)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/22, I submitted a dispute to The 3 Major Credit reporting Agencies XXXX, XXXX, and Transunion regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-05
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. (NY)

To whom it may concern : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions.
Consumer complaint received 2023-04-06
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. (TX)

I have also verified that these accounts are not on my consumer report so you never accurately never verified any information. Remove the unverified items listed below that still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Remove these accounts. 
XXXX XXXX XXXX XXXX XXXX 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 2023-04-06
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. (PA)

This complaint is my follow-up to my previous complaint that contains these disputed items : XXXX XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance XXXX {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/2022 Please remove the listed items for they are mistakenly placed on my credit report
Consumer complaint received 2023-04-06
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. (FL)

In accordance with Fair Credit Reporting act XXXX Account was open XX/XX/2022 auto loan is report a late payment, that has violate my rights and that is wrown. 15 U.S.C. 1681 Section 604 A 2 IT ASLO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A WITHOUT MY WRITTEN INTRUCTION, can u take that from my credit please. Also have a bunch of inquiries is no my pleases take that out of my credit thank you..
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (IL)

XX/XX/XXXX Requested Mortgage Payoff Statement From Fay Servicing LLC. Mortgage principal is {$13000.00}. Escrow for RE tax is {$6700.00} XX/XX/XXXX Received Payoff Statement saying all principal must be paid before escrow is refunded. Mailed check in the amount of {$13000.00}. 

XX/XX/XXXX Received letter returning my check saying only certified funds are accepted. 

XX/XX/XXXX Using Fay Servicing on-line site, I paid down the principal to {$0.00}. Their site does not allow pay down to zero. 

XX/XX/XXXX Requested new Mortgage Payoff Statement. My last payment to Fay Servicing LLC sent by bank XX/XX/XXXX Mortgage principal is {$0.00}. Escrow for RE tax is {$6700.00}. Called Fay Servicing and asked if {$0.00} principal can be paid from my escrow fund, the remaining {$6700.00} escrow be refunded to me and receive my title papers. 

XX/XX/XXXX Email from Fay Servicing asking for bank statement showing funds sent to Far Servicing. Sent documentation to Fay Servicing. 

XX/XX/XXXX Email from Fay Servicing saying " any outstanding escrow overage will be refunded within 30 days after the loan is paid in full ''
Consumer complaint received 2023-04-05
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. (PA)

XXXX have been reporting inaccurate information on my credit report. 
My XXXX Account # XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXXXXXX # XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXX XXXX XXXXXXXX was charged off as of ( XX/XX/XXXX ). 
My XXXX XXXX XXXX XXXXXXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( XXXX ) : XXXX Bank - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion has been reporting inaccurate information on my credit report : My XXXX Account was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXX was charged off as of ( XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXXXXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXX XXXX XXXXXXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 

Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been reporting inaccurate information XXXX my credit report : My XXXX XXXX XXXX XXXXXXXX ( Charge off date XXXX, XXXX ). 
My XXXX XXXX XXXX XXXXXXXX ( Charge Off date XXXX, XXXX ). 
My XXXX # XXXX ( Charge Off date XXXX, XXXX My XXXX XXXX XXXX XXXXXXXX ( Charge Off date XX/XX/XXXX. 
Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Online Information Services XXXX, XXXXXXXX XXXX XXXX XXXX XXXX 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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