davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is information in my Consumer Report that is IDENTITY THEFT. 
TRANSUNION Has been reporting my non-public information. 
I did not provide written or verbal permission for this information to be submitted in writing or electronically, that is IDENTITY THEFT. 
I sent a letter along with my COPY RIGHTED NAME CERTIFICATE, ASSUMED NAME CERTIFICATE dated XXXX -- XXXX, Tracking # XXXX received by Transunion on XXXX XXXX demanded for TRANSUNION to produce a written contract where I give my consent to assemble, collect, furnished and published my information. 
( please see attached exhibit A ). TRANSUNION failed to provide any contract. 

I also sent and Affidavit of Fact dated XXXX, Tracking # XXXX received by Transunion on XXXX ( please see attached Exhibit XXXX  ). Transunion did no rebuttal to my affidavit, an unrebutted affidavit stands as true. I asked TRANSUNIONN to properly VERIFY under 15USC 1861i the disputed information documenting who verified the alleged information, None verification was provided. Bankruptcy Courts do not provide any verification, please see attached letter from the Bankruptcy court stating to that fact.

TRANSUNION has broken the Law. compiling information that is supposed to represent who I am, without my permission is IDENTITY THEFT. 
15 USC 1681c-2, Using Identifying information of another person.

5USC 1681q Obtaining information under false pretenses.

15 USC 6802 b Obligations with respect to disclosures of personal information. 
Accounts : XXXX, XXXX XXXX # XXXX, XXXX, XXXX, XXXX. 
I demand this Information which is IDENTHITY THEFT & VIOLATION OF MY PRIVACY BE REMOVE IMMEDIATELY!
Consumer complaint received 2019-09-24
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. (UT)

XXXX XXXX XXXX XXXX # XXXX is reporting a late in XX/XX/19 that I should not have. I was not late as I took the payment into the store and paid in person. I don't know why it was put on my account as a late as I went in and paid it before it should have been late. I can only conclude it was an error on their part and was not my fault.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX XXXX # XXXX is reporting a late in XX/XX/19 that I should not have. I was not late as I took the payment into the store and paid in person. I don't know why it was put on my account as a late as I went in and paid it before it should have been late. I can only conclude it was an error on their part and was not my fault.
Consumer complaint received 2019-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (MI)

I have a XXXX VISA credit card issued by Barclay 's Bank. I have been the victim of Identity Theft, and have made out the appropriate report with my local police agency. I have notified XXXX VISA that their are charges on my account that are not authorized by me and therefore are fraudulent, and requested they provide me a statement with the charges I did occur so I can timely make the montly payments as I always have. Instead they have reported my card as delinquent to the three Credit Reporting Agencies- ( XXXX ; XXXX  ; and XXXX ) -and have placed my account in transaction.

At one point in time, before I had ever used the card once, I attempted to use the card for a hotel room. I made an online reservation through a 3rd Party, and when I went to check in was told that I could not use the Card as it was overlimit, and at that time I had not even used it once. I contacted XXXX VISA, spoke to an agent and expained the situation. As I was in a lofecation I could not return home safely at that time of night, the XXXX VISA agent authorized my use of the Card to check into the hotel and remain there for one night until I could return home safely. I then attempted to recheck in the hotel and was denied, again told my XXXX VISA was overlimit. I recalled XXXX VISA who defamed me and said I never talked to an agent who authorized me use of my card for one night. By the time this procedure was over, it was too late at night for me to safely return home and I was stuck in an unsafe area, strictly because of the reprersentation by the XXXX VISA agent I could use the card several hours earlier.
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MN)

I have 3 accounts that have been fully paid off and i keep getting the run around. they jeep telling me it reports on the next billing cycle. they have been paid off for over a month now in full. i have contacted the companys several times and there have been no positive reporting witch is pulling down my credit. none of my reports are matching up XXXX never matches XXXX XXXX, so my scores are less when i should be over 6 on both my reports. its exstreamly fustrating especially when things are paid on time.
Consumer complaint received 2019-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (NJ)

In XX/XX/XXXX, my wife and I purchased this property for investment. In XX/XX/XXXX, we obtained a mortgage from XXXX for {$100000.00}. The loan was purchased by EverBank a short time later. In XX/XX/XXXX, I contacted EverBank to inform them that I was seeking to give the property to the bank in a " deed in lieu '' process ( my loan was current at this time ). The Bank assigned XXXX XXXX to handle my request. I sent all the documentation requested. On XX/XX/XXXX XXXX notified me that my application was complete. On XX/XX/XXXX, I received an " Initial Eligibility Letter '' from EverBank/XXXX. On XX/XX/XXXX, I received a letter stating that I needed to provide satisfaction for three " judgments ''. These " judgments '' are not mine ; and I have purchased and sold over thirty properties without these " judgments '' being an issue. On XX/XX/XXXX, I received another letter from EverBank stating that my application was complete. On XX/XX/XXXX, I was notified by ( new acquirer ) TIAA Bank, that again these " judgments '' are an issue. On XX/XX/XXXX, I received a Demand letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( law firm ) notifying me of the {$98000.00} balance and their intent to litigate. On XX/XX/XXXX, I met with XXXX XXXX, XXXX. and he promised that he would clear up the matter.
Consumer complaint received 2021-03-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

The scam/fraud, I believe, starts with a XXXX hack and linked to Coinbase. The odd thing is how did they get past two-factor authentication ( 2FA ). The other thing not explained by Coinbase is that I noticed the hack on the same day and within hours of the hack and immediately locked my account. It seems also odd that when I sold an asset the process took not hours but certainly more than a day for it to clear the funds. Of course, I do not hear from Coinbase after locking my account and submitting a notice to Coinbase via their online help form and telephone request to lock the account. As of now, I have no access to my account or any meaningful info from Coinbase. 

Date of Hack : XXXX XX/XX/2021 Amount app {$24000.00} of ETH on Coinbase Notice given was XXXX XX/XX/2021 and account locked. 

No response but an email saying they will look at the account that is locked but no word from Coinbase.
Consumer complaint received 2019-10-01
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. (MO)

Trying to order my credit report from Transunion ( XXXX ), and again TransUnion failed to grant access to my credit report. 

This is my third complaint to the CFPB about TU refusing to provide my credit report. 

I visited XXXX, entered my info and when I submitted, I received the following error - " We are not able to provide you with your online Personal Credit Report since it contains an open dispute currently under investigation '' A screenshot of this incident is attached. 

I can't imagine the law provides for Transunion to decline requests for any credit report that contains a disputed item.
Consumer complaint received 2019-09-24
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-09-24
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. (CA)

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this line item however, I have not been successful.
Consumer complaint received 2019-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (OH)

I purchased my home in XX/XX/2015 with a conventional loan and 10 % down payment. The home values in my area have risen so I contacted Home Point Financial to determine the process for removal of PMI through an appraisal. I have been given three different answers. Upon speaking with the first customer service rep I was told I would need XXXX XXXX ratio for borrower requested PMI removal. The next customer service rep told me that I would need XXXX XXXX because I was requesting PMI removal within 5 years. I submitted a formal request for clarification and was given a written response that said that I needed XXXX XXXX to have my PMI removed. This is the first that I have heard of this and does not appear to be conventional/ conforming loan terms. I am writing in hopes of getting written clarification on proper LTV. Additionally, I would like a list of approved appraisers in my area to write a check to them directly rather than writing a check to Home Point Financial to have them select an appraiser.
Consumer complaint received 2019-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (DC)

I was a Tenant in a home Serviced by Ocwen. The Homeowner had Health Challenges and Ocwen refused Modification. His family had to move his possessions by XX/XX/2019. The Property Preservation Team told me " Move your belongings and Ocwen would contact you ''. I put most of my personal possessions in Storage. I changed the locks and moved back in because Ocwen did not contact me. Ocwen had Utilities Turned off.
Consumer complaint received 2019-05-02
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: EQUIFAX, INC. (PA)

XXXX is a collection agency used by XXXX, after multiple attempts to correct this problem with both companies it still appears on all of the Credit Bureaus as an account opened in XX/XX/XXXX when this account was closed in XX/XX/XXXX. This is a re-aged debt which is illegal under the FRCA.
Consumer complaint received 2019-10-01
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 applied for a personal loan at my bank of 15 years, when I was denied. I had my credit pulled to see what I had on there, that's when I realized there were a lot of things on there that aren't mine. I believe someone is using my name to get credit cards and other items because none of these things are mine. I want them removed immediately. I have already taken the liberty of reporting this to the police and FTC. These items need removal XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX.
Consumer complaint received 2019-10-01
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 applied for a personal loan at my bank of 15 years, when I was denied. I had my credit pulled to see what I had on there, that's when I realized there were a lot of things on there that aren't mine. I believe someone is using my name to get credit cards and other items because none of these things are mine. I want them removed immediately. I have already taken the liberty of reporting this to the police and FTC. These items need removal XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, US DEPT VETS.
Consumer complaint received 2019-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WI)

I hold an account with Chase Bank and am encouraged to use XXXX payment system. When using, there is NO consumer information stating that you should only use with trusted sources. I made a payment and it was received by a " scammer ''. Chase and XXXX have the information of the person that falsely took my money and refused to contact the other bank and retrieve my funds. 

I sent {$300.00} by XXXX on XX/XX/2019 to XXXX I have the cell number of that person as XXXX I tried to stop the payment but Chase and XXXX said with " realtime '' they were unable to help me. 
The transaction number was We sent money from TOTAL CHECKING ( ... XXXX ). 
Print this activity Email address XXXX Transaction number XXXX I then sent a request to return my funds ; Email address XXXX Date requested by None Date declined on XX/XX/2019 Declined reason None I have also made a report with the XXXX Police Department I was told that the same people and email have collected many fraudulent funds. How is their account and email able to have XXXX if it's theft? When I asked, no one could answer. 
There was no warning and no other " disclaimer '' on payments
Consumer complaint received 2019-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Simon's Agency, Inc. (NY)

I was never contacted about this debt by the Simons agency or original creditor. Found out about debt by checking my credit report. Called Simons agency three months ago and asked for a bill and still have not received one. I owe XXXX that my insurance did not pay but cant verify that without seeing a bill. I should have been contacted by someone before this was put on my credit report. I never had a chance to pay or dispute because I new nothing about it. XXXX XXXX
Consumer complaint received 2019-05-02
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. (NC)

The information reporting does not belong to me. It needs to be deleted immediately. 

XXXX XXXX in the amount of {$520.00} from XX/XX/2011 XXXX XXXX Acct # XXXXXXXX  These accounts do not belong to me. I have reported this as fraud many times. If it is not removed from my account I will be filing suit.
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

Five months ago we had a security issue and were advised by our bank to get free fraud monitoring through a credit agency. We signed up with Experian. First my husband ( who is in XXXX health ) and then I started getting e mails telling us that our credit rating was going up or down, and they billed us for the " service ''. {$21.00} a month. 

We do not want this and did not sign up for it. But I can not stop mine. I stopped my husband 's, because he had already given out his social security number to an XXXX hacker so was compromised ( the original issue ), but can not stop mine. 

When I call Experian, they start out by asking me to put in my social security number. I do not do this : I do not know if their telephone service is secure. But there is no way to reach them without the social security number. So I can not stop it. 

So this company ( a public, profit making corporation ) has forced services on us that we do not want, and made it impossible to stop them unless I give out my social security number. Please, what can I do?
Consumer complaint received 2019-02-12
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: CITIBANK, N.A. (CA)

I checked my credit report and saw a debt that didnt belong to me I have reached out to Citi but they have refused to help or investigate the situation. The only information I obtained was this was a secured card with a {$800.00} credit limit but the balance is well over {$4000.00}. The address the card was issued was not any residence of mine. I wasnt even living in that state. I explained to them it was identity theft.
Consumer complaint received 2021-03-07
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. (MO)

I sent a letter to XXXX  and Transunion on XX/XX/XXXX but that is like my 4th-5th letter that was sent to them about these inquiries on my report.. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy Also, this was reported on my account and its still showing on my report. This has not been taken seriously and I contacted the original creditor and I contacted XXXX/Transunion on multiple occasions through phone and letters. The original creditor sent notice to XXXX  about this being removed from my report because I never authorized this. but it still remains on the report. Also, these accounts are unverifiable, invalidated, inaccurate, and 100 % false. If anything is reporting 100 % inaccurately it must be removed. How can you say these inquiries are verified as true and they are fraud but XXXX  sent a letter saying the inquiries were verified. Apparently they are not doing your job the right way. XXXX XXXX XXXX was deleted from my XXXX  Account because of these reasons. This inaccurate and fraud information. Both creditors were contacted and they told me they dont send letters out to consumers, they communicate with the Bureaus to inform them of whats going on. I was told by both creditors that they in fact contacted XXXX to let them know that this was fraud and should be removed. 

XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX I sent a letter to Experian disputing several accounts on my credit report asking them to verify the accounts. Experian sent me the results dated XX/XX/XXXX stating that all the accounts were verified. On XX/XX/XXXX I sent a second letter asking them how they verified these accounts and to provide me with the original documentation of these accounts that they verified. I received a response from Experian stating that they have previously processed the dispute, the grantor verified it's accuracy and they will not reinvestigate. I then sent out a third letter to Experian on XX/XX/XXXX informing them that the unverified accounts remained on my credit report and under the FCRA are required to have a copy of the original creditor 's documentation on file to verify that the information is mine and correct. I asked them who verified these accounts and they have not provided me any original documentation with my signature on it. I received two responses from Experian at the same time both dated XX/XX/XXXX. The first letter stated that they were unable to honor my recent request because I did not provide sufficient identification information for them to verify my identity or the information was not legible. Each letter I sent was notarized and I provided a copy of my state identification along with a copy of my social security card. The second letter stated that again they have previously processed the dispute and the grantor verified it's accuracy. I am received two different letters with contradicting responses.
Consumer complaint received 2019-05-02
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. (PA)

XXXX is a collection agency used by XXXX, after multiple attempts to correct this problem with both companies it still appears on all of the Credit Bureaus as an account opened in XX/XX/XXXX when this account was closed in XX/XX/XXXX. This is a re-aged debt which is illegal under the FRCA.