davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against TransUnion for reporting inaccurate balances on several accounts that they previously verified. I have noticed that my credit report from TransUnion contains incorrect information regarding the outstanding balances on multiple accounts. These errors are causing my credit score to be negatively affected and I have been unable to secure credit or loans as a result. 

I have contacted TransUnion to have these errors corrected, but they have not been resolved. I have provided documentation and proof of the correct account balances, yet TransUnion continues to report the incorrect information. 

I request that the CFPB investigates this matter and takes appropriate action to correct these errors and hold TransUnion accountable for their actions. 

Thank you for your attention to this matter. 

Accounts in question : TXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$33.00} XXXX XXXXXXXX {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$260.00} I have attached at least one example of how the TransUnion willingly reports inaccurate information without verifying anything. The amount doesn't even add up. TransUnion is just reporting anything at this point.
Consumer complaint received 2019-05-13
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: FORD MOTOR CREDIT CO. (TX)

Ford Motor C- Pulled XX/XX/2018 ( I was not present at the dealership nor did I give consent to pull my credit, I told the sales counselor that I already got approved for a loan and he still decided to shot gun blast my credit with these hard inquiries ) XXXX XXXX- Pulled duplicate hard inquiry on XX/XX/18 while I was not present at the dealership. I demand that the unauthorized/duplicate inquiry be removed from my credit report. I was told that when my credit was pulled it'd only show as one hard inquiry. I was lied to and coerced by the sales counselor to pull my credit in the first place. As I have said before in the above comment, I was already approve by a company for an auto loan for a good rate. I was promised a better rate that did not take place. 

XXXX XXXX XXXX XXXX Pulled XX/XX/2018. I don't even recognize this company let alone did I give authorization to run my credit.
Consumer complaint received 2019-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Equifax was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number XXXX. I have never done business with XXXX XXXX XXXX. 

Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609
Consumer complaint received 2018-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (MD)

XXXX has illegally frozen ALL of my accounts as RETALIATION because I previously filed a complaint ( they illegally obtained the number of my elderly mother and told her she had to pay my debt or she would go to jail! ) I responded by calling XXXX and explaining to them that I am XXXX years old and Ipay my own debts. I respectfully requested that ALL employees of XXXX only contact me at the phone numbers I provided. I also demanded that they refrain from looking up the names and numbers of my relatives and threatening them by demanding they are obligated to pay my debt. I is notable that I have lived in my home and had the same number for over 20 years so XXXX would have NO problem finding and contacting me! XXXX is using illegal tactics to collect debts including but not limited to targeting and threatening the elderly. In short, there is NO legal basis for XXXX to freeze ALL of my accounts much less demand the ability to collect my debt from my family as a condition for providing me with credit. XXXX is also lying by stating that I denied them permission to contact me. I have always openly provided my own phone numbers and address as points of contact. However, I did demand that XXXX refrain from illegally contacting my parents, relatives, friends and employer to demand payment of my debt. The illegal actions of XXXX collection agents must be stopped! In addition, XXXX should be audited and fined for intentionally retaliating against me ( and probably others ) by freezing credit on existing installment payments when all I did was report their illegal and predatory collection activities. The fact that XXXX keeps getting away with this outrageous, intentional and illegal behavior is not just ridiculous .. it is obscene!
Consumer complaint received 2017-12-05
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: EQUIFAX, INC. (CA)

my XXXX XXXX account ending in XXXX has no delinquency ( must not have any ), i have disputed this with the creditor and they have fixed this problem and removed the error, therefore the bureaus must remove this as soon as possible, i need have this removed as soon as possible and they are giving me a very hard time, XXXX XXXX letter ( attached ) specifically mentioned this error, i need your help to have the bureaus remove this inaccuracy thank you
Consumer complaint received 2015-11-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cooper Hoffman Klein Associates (TX)

" Cooper, Hoffman, Klein and Associates '' continues to harass me by calling my cell phone in attempt to collect another person 's debt. They have yelled at me, misrepresented themselves as lawyers, threatened to take me to court and refused to stop calling me after I asked them to remove my number from the account that does n't belong to me.
Consumer complaint received 2018-02-11
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. (TX)

This is in response to the Experian credit report I received saying that both XXXX XXXX and XXXX XXXX has been verified. I have contacted Experian endlessly regarding the removal of XXXX XXXX and XXXX XXXX from my credit reports. These are erroneous and fraudulent accounts. I have filed an Identity Theft report with the FTC and I am uploading my drivers license, bank statement as proof of address, as well as both reports from the FTC for these fraudulent accounts. I have also included a copy of my XXXX report showing that XXXX  has done their due dillegence by deleting XXXX XXXX and XXXX XXXX from my report with them. If Experian comes back again and states that both of these fraudulent accounts have been verified as accurate, I will then request the method of verification under FCRA Section 611 ( a ) ( 6 ) and ( 7 ). Please remove and BLOCK both of these fraudulent accounts ( XXXX   XXXX and XXXX XXXX ) from my credit report immediately.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 2021-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

This is a follow up to complaint XXXX, relating to and ACH failure by Mr. Cooper and their third party ACH provider beginning with the XX/XX/XXXX payment, that was closed with an unsatisfactory resolution. These issues continue today, as Mr. Cooper continues to attempt to charge me fees for an NSF that never occurred, the ACH block was their internal failure. I have had to correct my billing statement every month since the original complaint in XXXX and they have not corrected their issue. They are acting in Bad Faith and owe me for my time and effort, as well as mental stress to continually correct their mistake. I am attaching transaction history that shows that the original complaint issue is still occurring, as well as written communication from them stating that they corrected my XXXX payment, when they have not. I believe that this is a straightforward case of Fraud on the part of Mr. Cooper, as they have not corrected their issues within 3 months. 

I have attached the following that show Mr. Cooper has no intent to correct or adhere to lawful application of their fiduciary duty as a Mortgage Servicer : 1. Letter dated XX/XX/XXXX stating that they have corrected my payment on XX/XX/XXXX ( this is factually incorrect, as of today, XX/XX/XXXX, this payment has still not been corrected. 

2. Emails between myself and XXXX XXXX that show that she told me she would correct these issues. She did not do this and has subsequently ignored my follow up emails to deal with this. 

3. Transaction history dated XX/XX/XXXX detailing the repeated failures of Mr. Cooper to correct the issues related to my account that began XX/XX/XXXX. 

I have made over 8 phone calls to the Mr. Cooper XXXX Customer Service Line, filed a complaint with the CFPB and followed up with repeated emails to Mr. Cooper. None of these has achieved the outcome of correct application and, hopefully, punitive damages to Mr. Cooper for their pathetic oversight and adherence to the law. This has caused undue stress, aggravation and worry on my part. 

Your help in rectifying this is situation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-06-10
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. (TN)

I had 9 accounts that were negative and became late in early to XX/XX/XXXX2011. As they became 7 years old for the first delinquency, they began to be removed from my file. Now I have 3 that are now over 7 years old but they continue to keep them on my file.

One agency debates that 7 years from the first delinquency is even the standard event though they normally do so as policy internally. These agencies do not even report the credit detail for 7 years but cut off a few months before 7 years. It appears they do not take seriously that people like me are patiently waiting to get our credit scores up and just don't care. I have reports that Transunion sent to me showing accounts delinquent in the history, and then 2 months later, when I update the report, those details are removed and they only reports 6 years and 10 months of history. It is as if they intentionally want to keep the file on the report. XXXX has a line on their front page summary of the report with a line stating " date of first delinquency '', however, they rarely have an entry in that line. All 3 agencies, Transunion, XXXX and XXXX, focus on negative information but not on insuring that they remove the accounts as prescribed by the Fair Credit Reporting Act. They have no accountability and I personally have been waiting 7 years to refinance my home, and now am having to try to get them to report accurately. They can have very detrimental affect on people and just don't care. I have even had documents with detailed annual payment info from a mortgage company who clearly said it should not be reported at this date, yet the dispute comes back saying it is reported accurately. I hope you can get this corrected. In my opinion, if the " date of first delinquency line '' is not filed, the reporting is inaccurate and should be removed. I am paying much higher interest rates than I should be due to bad reporting from the agencies. I am sure I am not the only person dealing with this but most people don't know how to appeal or even who to appeal to. 
We all thank you if you can affect change.
Consumer complaint received 2017-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Duncan Solutions, lnc. (MI)

Parking ticket in City of XXXX on XX/XX/2016.The plate number XXXX is not in my name, I never own this plate number, for the last few years I do not have any car in my name, I did consign for this car or any other car, I conformed this with local office Secretary of State, to obtain an official report that will cost a lot of money and effort, I disputed this ticket with collection agent ( Professional Account Management ) few time. they asking me that either i pay the ticket which is not mine {$95.00}, or I provide them with an official report from the Secretary of State lasing Michigan which will cost a lot of money, so what mean I paid either way. It is their responsibility to prove that plate number in my name, not the other way around, I am willing to request an official request from the Secretary state of Michigan lasing office, but they should pay the cost of report if the this plate is not in my name or I am not a cosigner for this car.
Consumer complaint received 2015-07-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (CA)

I have an XXXX store card account that was open in 2014. I have always had an excellent credit status with this line of credit paying my bill on time ever since I have had this account. Now I attempted to use the account to purchase and it was denied. when I contacted Syncrony Bank I was informed that the account was closed with my knowing. and they said the reason was because they checked my recent credit report without my permission and felt that I wasnt credit worthy anymore. I feel this was discrimination.please help.
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

On XX/XX/2021, I received an escrow shortage notice from MyLoanCare which services my mortgage account. The mortgage escrow shortage was for {$1300.00} ( roughly ). I paid the amount via personal check and returned the escrow shortage slip as instructed. The payment took almost three weeks to be received. Moreover when it was received it was NOT applied as an escrow shortage but instead as a regular monthly installment. I called my mortgage serviced and they apologized and advised they would reverse the payment and apply it correctly. The representative confirmed it was an oversight in his end. Today, I look at my account again and they payment had been reversed and applied to escrow ; nonetheless the monthly installment still shows my shortage as not paid and the payment continues to show the amount that would have been due if it was not paid. This is unfair and unethical. They tell you to pay one amount and take your money ; however its sitting in limbo and not applied as advised. This is a UDAAP violation. They are collecting and keeping my funds! They need to take that amount and apply it as they advised they would. My payment should not be {$1200.00} but instead {$1100.00} as promised in the statement.
Consumer complaint received 2020-05-07
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: ALLY FINANCIAL INC. (WA)

I went to look at cars XX/XX/2019, I sat down spoke with the salesman and discussed my option. They appraised my car and ended up pulling credit. Before I allowed them to pull my credit I asked the salesman how many lenders would be obtaining a copy of my credit report he said 2 or 3 it ended up being 6 or 7 the three credit bureaus. He also stated that if I didnt purchase a car the inquires would be removed after 45 days. I also reached out to the lenders directly to get this resolved and they told me to reach out to XXXX directly and when I did they refused to remove it
Consumer complaint received 2021-03-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a compliant with the federal trade commission and the XXXX XXXX  XXXX  because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from from my credit report it has been over 50 days so they should be deleted promptly
Consumer complaint received 2017-12-05
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: Onity Group Inc. (MD)

XXXX XXXX, XXXX I bought a house through GMAC Mortgage company. I lived in the house until I sold it on XXXX XXXX, XXXX for the full amount of the mortgage owed. I did not profit from the sale of the house nor did I owe anything on the house after it was sold. I made my mortgage payments on time so there was nothing delinquent as far as the payments were concerned. Recently while attempting to clean up my credit, I noticed that the NOW closed company of GMAC mortgage was bought out by OCWEN Mortgage and it appears on my XXXX account even though the GMAC account appears on all of my credit reports. 
I have faxed a letter plus a copy of all my credit reports to OCWEN on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I spent over an hour and a half on XXXX/XXXX/XXXX on the phone with " research representative - # XXXX '' and he was not able to give me an answer as to why, even though the account was closed and in good standing their company appears on my credit report. 
I am attempting to work on and clean up my credit report and I feel as though since it has been over 10 years since this was first reported, that I would like the accounts removed ( GMAC and OCWEN/GMAC ).
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I was enrolled at XXXX XXXX in XXXX and withdrew myself that same year. XXXX XXXX account XXXX was not opened XX/XX/XXXX. It was opened XXXX of XXXX making this account past statue of limitations ( 15 years ) in the state of kentucky not to mention this is a XXXX XXXX XXXX, i am service connected 100 % XXXX veteran and i am forgiven of my student loan debt. Repeatedly reporting collections every month to reage the account is illegal.They are breaking the law please delete immediately. 15 USC 1681e ( b ), 15 USC 1681i ( 5 ) thank you!!
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (CA)

On XX/XX/2018, i settled a debt with cain & wiener collection agency for {$96.00}, original debt was {$120.00} they in turn reported on my credit report that gher was a balance of {$31.00}, also they reported on my XXXX report a mew dept of {$31.00} also a balance on my XXXX report of {$31.00}
Consumer complaint received 2015-05-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

I made two payments in XXXX the first was taken out of my account on XXXX/XXXX/15 for the current month. The second they posted on XXXX/XXXX/15 and went through my bank on the on XX/XX/XXXX and was supposed to pay my XX/XX/XXXX balance but of a {$2200.00} payment only {$100.00} was posted to XX/XX/XXXX and it was listed on their web page as a suspended payment. They still show {$2100.00} still owing for XX/XX/XXXX. There is no where on their web page to pull a statement to see how the money was applied and we NEVER receive one in the mail. I called the customer service line, and he seemed as confused as I was and admitted that I was never behind. He told me it would be fixed but could not tell me when.
Consumer complaint received 2020-05-07
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2020-05-07
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. (NJ)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and sometime in XXXX I sent letters to TransUnion and XXXX  in regards to an account XXXX  XXXX  XXXX. I've paid on time {$110.00} for 48 months till the car loan was paid off. Its showing on my credit report as chapter XXXX wage earner plan. Thats inaccurate. I have the original contract and a copy of all 48 cashed checks but yet they keep sending me back letters that say verified with no proof.