davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-29
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. (TX)

The following inquiries are on my transunion credit report that i do not recognize. I have contacted the companies for a signed application in my name or a proof of ip address where these inquiries were made from and they directed me to the credit bureau. I contacted Transunion but they could not help me and were unable to resolve the issue. 
Below are the inquiries in question.
1- XXXX XXXX XX/XX/XXXX 2- XXXX XX/XX/XXXX 3- XXXX XX/XX/XXXX ( DUPLICATE ) 4- XXXX XX/XX/XXXX ( DUPLICATE ) 5- XXXX XXXX XX/XX/XXXX 6- XXXX XXXX XX/XX/XXXX 7- XXXX  XX/XX/XXXX 8- XXXX XX/XX/XXXX 9- XXXX  XX/XX/XXXX 10- XXXX XX/XX/XXXX 11- XXXX XX/XX/XXXX 12- XXXX XXXX XX/XX/XXXX 13- XXXX XXXX XX/XX/XXXX 14- XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-22
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. (NE)

I HAVE REACHED OUT THE CREDIT REPORTING AGENCIES ABOUT REMOVING THE INQUIRIES FROM MY REPORTS AND THEY ARE GIVING ME A HARD TIME. I ADVISED THEM OVER AND OVER AGAIN THAT THOSE INQUIRIES DOESNT BELONGS TO ME AND BY LAW AS THE CONSUMER I HAVE THE RIGHT TO REQUEST FOR THOSE TO BE REMOVED.
Consumer complaint received 2017-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

It has become overly apparent, how poorly TransUnion is conducting any type of investigation at this point. I filed a fraud alert on my account in conjunction with the inquiries on my account. TransUnion still has failed to validate these inquiries under section 611 ( a ) ( 5 ) ( A ) ( i ) of the FCRA. You will not accept  XXXX  finds but yet have FAILED to provide adequate findings of your own. I have contacted the agencies who have accessed my report and they have no history of me, and as previously stated, I hold NO debt, mortgage nor account with the said agencies, THAT I PROVIDED YOU. You have NEGLECTED to contact these agencies for validation and yet continue to report false information on my report. Its evident it was lost in translation, because I did NOT receive per FCRA Section 611 any validation that I have requested on SEVERAL occasions. If you have followed protocol, and verified them, why has validation failed to be provided? FCRA 15 U.S.C 1681i states all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me a copy of verifiable proof, than you must delete the inquiries from my credit report. I will continue filing disputes until you adequately conduct an investigation.
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MO)

I submitted an application to refinance my home loan with Chase. As a part of the application process, I was required to have my home appraised. We have lived in the home approximately 18 months, during which time, the housing market in the surrounding area has improved for sellers. When our home appraisal was completed, according to the appraisal, the newly appraised value of the home declined {$25000.00}. There does not appear to be any rationale for the difference in value. I completed the appeal process offered through Chase, but was not successful in obtaining a revised appraisal value. I do not believe we received a fair and equitable process. I am concerned about the appraiser 's knowledge of our community and objectivity during the process. I am concerned that well known racial bias in my area may have influenced the process.
Consumer complaint received 2020-09-13
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. (AL)

I have submitted disputes with proof uploaded to all three of the credits and I am receiving no response. I have requested for them to investigate and send me proof from the creditors and still receiving no response and the incorrect information is still on my credit. Please help me to resolve this matter. 
Dispute submitted on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. 
XXXX XXXX
Consumer complaint received 2018-03-30
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. (CA)

Transunion customer service would not help and take care of the negative inquiries reporting to my credit report. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-02-22
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. (FL)

Hi CFPB Team, I submitted disputed for a collections account that is inaccurately reporting on my Equifax, XXXXXXXX, and XXXX profiles. I am using this complaint center so that there are additional eyes on the process from the bureaus. It is my hope that my account is corrected as I am in the process of purchasing a new home and this is hindering my chances to qualify for a lower interest rate than the one I've received. 

Best, XXXX
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-07-16
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX  XXXX {$510.00} XXXX  XXXX {$0.00}
Consumer complaint received 2021-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MD)

Contacted company I have a membership with as well as the creditor who sent a debt collection of {$310.00} on a credit card fraudulently opened or was due to identify theft. I never opened a credit card with BJs Wholesale the only card I ever opened with them was a Military Member ID. Neither BJs or Comenity Bank can provide me information in regards to the credit card I never applied or authorized and I have no information on my account through BJs Wholesale
Consumer complaint received 2021-03-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: HYUNDAI CAPITAL AMERICA (NJ)

I am writing in today about my Car lease with Kia Motor Account # XXXX. This account is reporting a late pay in XX/XX/2020. I would like to address this matter. My account was on autopay the entire duration of the loan. Upon extending the lease I was under the impression that the payments will continue being withdrawn out of my account. Unfortunately that did not occur yet the minute I was made aware of this issue I made the payment and fixed the problem as not to have that again.
Consumer complaint received 2020-07-16
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. (TX)

Account Name XXXX XXXX Account Number XXXX   Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$890.00} past due as of XX/XX/XXXX. 

Account Name DEPT OF EDUCATION/XXXX Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$890.00} past due as of XX/XX/XXXX. 

inquires ftc violations US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Rental on behalf of XXXX XXXX   XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX   Inquired on XX/XX/XXXX Rental on behalf of XXXX XXXX   XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online
Consumer complaint received 2017-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I call XX/XX/XXXX Thank you for calling us about transactions you did n't recognize on your account or card. Your claim number is XXXX. The bank says can not solve my problem. they told me they will be investigated but they did not do anything the fix the issue and some body was used my debit card many times in XXXX XXXX and also they withdraw money from my cheking account.
Consumer complaint received 2023-01-28
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 sent a letter on XX/XX/XXXX to remove these : 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  that are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again. Remove these items as soon as feasible
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (NH)

I refinanced my home that was purchased in XXXX. My mortgage has changed servicing companies a few times over the years and has always been seamless. The refinance was done through Mutual Mortgage and closed on XX/XX/XXXX. There was a signed agreement to disperse escrow funds to the town where the house is located. This is a split property where I have 2 acres in XXXX NH and 4.5 acres in XXXX NH. My home is in XXXX and of course the bulk of my taxes are owed - XXXX XXXX yearly. The town of XXXX gets about XXXX XXXX  yearly. The XXXX taxes were due in XX/XX/XXXX for {$2400.00}. As of this writing, Mutual has dispersed {$86.00} in taxes to XXXX and {$0.00} to XXXX. My escrow is well funded with over {$4600.00} balance. I began making Mutual aware of their failure to pay these taxes in XXXX. The town plans to place a lien on the property on XX/XX/XXXX. Of course if this happens my credit rating will crater and my home would be in danger. After numerous calls and emails to Mutual, my issue was place with a resolution specialist named XXXX. XXXX informed me of such and said she would get back to me no later than XX/XX/XXXX with a resolution or update. This is the 3rd deadline I have been given for resolution by this company and they have never honored one of them. Emails to XXXX starting on XX/XX/XXXX have gone unanswered. Calls to XXXX have gone a voice mail box that is full and not taking messages. When I closed on the refinance one of the pages I signed stated that taxes of {$2400.00} would be paid on XX/XX/XXXX and {$3000.00} paid on XX/XX/XXXX. This was signed in presence of notary. Of course penalties are accumulating daily. Can I demand a return of my closing costs and refinance with a reputable company? Can I file suit for potential damage to my credit or possible action to take my property? Or are they just allowed to do this to people? Mutual Mortgage is a subsidiary of the Mutual of Omaha company
Consumer complaint received 2020-09-13
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. (MS)

i seen on my credit report that EXPERIAN have inaccurate and incomplete information reporting on my account, so i sent them a letter on XXXX requesting details of their method of verification, also i attached a copy below of the letter that i sent.
Consumer complaint received 2024-02-22
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)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : EMPLOYER - XXXX XXXX XXXX EMPLOYER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-28
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. (CA)

I sent a letter on XXXX to remove these : 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 that are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again. Remove these items as soon as feasible
Consumer complaint received 2020-06-27
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. (NJ)

Good afternoon, I have been submitting over 20 dispute letters in the past two years to experience. Not once were they able to comply with the regulations and remove the falsely reported XXXX  XXXX XXXX account on my credit. I have attached every response letter I was able to find where you can clearly see that not once were they removing this account. I have been extremely patient and follow the regulations of the 609 law that protects my rights. However Experian failed over two years to remove a single account. This is why I refuse To communicate with experience in order to resolve the issue and have been addressing CFDP in order to assist me with this matter. If you need any additional information please let me know. 



This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 30 days allowed. 

As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. 

Account # XXXX  XXXX XXXX
Consumer complaint received 2017-08-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I had a 30 year loan with a 10 year interest only payment. As of   XXXX   of 2016 my payment changed from {$1500.00} to {$2900.00}. This property is now rented, I collect {$1900.00} a month. I have provided all documentation to Ocwen Loan Servicing. My property has n't reached a value to refinance. I asked the servicing company for help in getting a modification, I was declined based on having assets to cover the difference between rent and mortgage payment.
I do n't make enough money to keep paying this loss. The reason for the complaint, the game that 's played is continually asking for the same documents over and over. When it 's in there system already!
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

These XXXX accounts on my credit report still show that they are open with balances these accounts have been closed with the creditor. XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX
Consumer complaint received 2021-02-22
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: Consumer Adjustment Company Incorporated (TX)

On or around XX/XX/XXXX I disputed an account on my credit report as it did not belong to me. I requested for the credit reporting agency and the debt collector to validate this debt since it was not mine. As of XX/XX/XXXX the account is noted on my credit report as " consumer disputes this account information '' This does not resolve the matter nor does it comply with my request for validation. Furthermore the items remain on my credit report still reporting negative. Consumer Adjustment has failed to provide me with supporting documentation that this account is legally my responsibly. The account listed shows the original creditor as being " XXXX XXXX XXXX '' with an amount owed of {$650.00} - date opened XXXX I have personally never held an account with this organization. Consumer Adjustment is reporting this account incorrectly.
Consumer complaint received 2023-01-28
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX U S DEPT OF ED/XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-03-04
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: USCB Corporation (KY)

I have two agencies trying to collect on the same account. XXXX XXXX XX/XX/XXXX USCB corp XX/XX/XXXX both for XXXX XXXX which I only had one account with them, took classes there once four years ago, had a payment plan but had to stop doing classes due to a layoff at work, did inform them what and why. Original collector not on my report but now I have two other agencies trying to collect, disputed but said information is correct and everyone is telling me no that there's only one account even tho two are showing up on my report.