davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-10
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: PRIMARY RESIDENTIAL MORTGAGE (TX)

Have spoken to all 3 CB to have these inquiries removed *XXXX XXXX XXXXXXXX XX/XX/XXXX Primary Residential XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CB s have sent research letters to XXXX on XX/XX/XXXX and XXXX has sent nothing back to validate the inquiry. These inquiries were done without my permission.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The company will not remove late payment from my report and I have communicated that the information is reporting inaccurately on all of my reports. When my card was lost in XXXX the bank issued another card. The company continues to report the payment history from that card as if it is still open. The company opened a new tradeline and made my age of the card appear newer and also reported the old payment history and new payment history. The account is being reported twice and needs to be corrected.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX, Transunion and XXXX have continued to report information on my credit report, even though information has been sent to the agency that shows that judgement and ownership of accounts have been dismissed by a court. Additionally, all three credit bureaus have found ways to deter consumers from appropriately disputing items on their website. 1. I have attempted to file a dispute on their website for accounts with XXXX, XXXX XXXX and XXXX XXXX XXXX. 2. When utilizing the online site for each credit bureau they presumably give you access to your " free credit report '' to dispute the charges. After going through the ropes of filling out the information which primarily is listed as not having any knowledge of the account and that I would like the credit bureaus to investigate and have each of these companies to adhere to the Fair Credit Reporting Act and verify all information, including but not limited to the open date the last payment date and a signature card or paperwork that would verify me as the account holder. 3 Once I completed this process, each reporting agency then funnels you to a section of their site where you MUST attach supporting documentation. In my case there is no supporting documentation because I have never known of these accounts let alone have any reasonable documentation that would assist in their investigation. 4. If a consumer is asking for a debt to be verified with specific documentation which would prove ownership, why would the bureaus requiere documents with this request. If I have no knowledge of an account and was never notified again, why would i have something to upload. 5. Therefore, the credit bureas would not let me submit the dispute and moreover they have prevented me from accessing the site again to file the dispute with a report number ( which was never generated ), since the site recognizes that I have already pulled my report and does not allow me to dispute my issues utilizing this service. 6. Attached you will also find documentation as it relates to a judgement listed on my XXXX, Transunion and XXXX credit report from XXXX XXXX County Court on behalf of XXXX XXXX. I have confirmed through XXXX via the CFPB data base that this information should not be reported and I want this along with all negative information that can not be verified to be removed immediately. 7. Additionally, I have also included information from The XXXX XXXX County Court where the Navient account collection has been dismissed due to lack of proof of ownership.
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. (NV)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on 01/13/23, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX Balance : {$29.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00}
Consumer complaint received 2022-04-05
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. (IN)

The following inquiries were NOT authorized : XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX CXXXX 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 XX/XX/XXXX XXXX
Consumer complaint received 2020-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

For the past 2 years I have been sending my mortgage company bi-monthly payments of $ XXXX to pay for my mortgage payment. The mortgage company wasnt crediting the payments correctly. Instead they would apply the XXXX bi-monthly payment to the principal ( without telling us that btw ) and it wasnt until months later when they stated we were short for our escrow we realized THEIR error. 
Now our mortgage has been transferred to another mortgage company and the original mortgage company is stating our mortgage payment is now {$220.00} MORE due to a " shortage payment '' There was NO shortage payments - THEY were not crediting our payments correctly causing this insane increase on our mortgage payments. We can NOT afford {$220.00} more a month - this is on THEM not us! 
With our new mortgage company ( XXXX ) now assumes our monthly payment should be {$890.00} which is WRONG!! 
If they had credited all the bi-monthly payments to them to the XXXX instead of just putting it where ever this wouldnt have happened!
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

My credit report is showing a major inaccuracy and it is causing me unnecessary XXXX  and stress. This error in reporting is affecting my day to day life and more importantly my ability to get a car, which I desperately need. The bureau really failed to make sure that they did their due diligence and did not check the accuracy of their information before reporting which is now taking the larget toll on me and my life.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to address the erroneous reporting on my credit report. Transunion had a public judgement ( they finally removed ) and other items that are not accurate. I have called them last year several times to request and correct my name and addresses. I have asked for a copy of my report via phone rep. over 3 weeks ago since I am not given access online with any credit report.com that allows viewing. I still have not had my request fulfilled. Transunion is not VERIFYING what is being reported and this is extortion and defamation of character. It has come to my attention that my XXXX is being used and non affiliated 3rd parties whom I HAVE NOT given written authority to are making malicious accusations on my credit. Tis is causing my extreme financial hardship, it threatens my housing stability, my peace, violates my consumer rights that protect me from such abuse. My identity has been reported as stolen and I asked that my file be blocked and suppressed XX/XX/2023. I have not had 1 communication sent verifying the accounts, inquiries, names and addressing that I believe is still on my credit profile XXXX, AND XXXX. Are also violating me the same way. I want to see verification done and sent to me by the CRA 's, if not verification is found I want it deleted.
Consumer complaint received 2024-02-22
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. (GA)

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 Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2020-09-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (PA)

I have tried on a number of occasions to work towards to getting this amount due settled. The first payment was made by GAP and another payment made by the extended warranty. I was still negotiating with the insurance company. Additionally, I requested Ally to pick up the vehicle. prior to the scheduled vehicle pick up. The vehicle was towed by the city. I continued to made a constant request to pick up the vehicle. After 4 months of calling Ally customer service- the CSR stated they will not pick up the vehicle if damaged. Ally had knowledge of the damaged vehicle. The vehicle was not picked up by Ally and left at the impound. I was sent a letter on XX/XX/2020 informing me the vehicle was not picked up. Charges were assessed interest daily on the account. I called to make arrangements for the charge off.
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

USAA VISA has been witholding the use of my credit card for 7 business days per month, every month. My entire balance was {$1000.00} this month and I paid the entire balance last Thursday it was removed electronically from my bank and I can not have use of this card now until this Friday. I called numerous times in aggravation because there credit card agreement does not state they will be taking an interest free loan from consumers for 9 days out of each month, as they don't count weekends as business days. It also doesn't state that by never making a late payment in 8 years you will only have use of your card for 21 days per month. However, it does state that they will be charging you interest during this non usable time or every month, or every day of every month. So, this is a {$1000.00} credit card visa, my credit score today before writing this is XXXX. As I stated the entire balance was removed from my bank last Thursday.This is what they call there " Platinum '' card.
Consumer complaint received 2017-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (DC)

I am the XXXX XXXX XXXX XXXX and I write my employee paychecks through PNC. When my employees go to cash their paychecks, PNC charges them a {$10.00} fee. The employees do not bank at PNC but because I write my employee checks through PNC I feel that they should not have to be charged a {$10.00} fee.
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. (TN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXX : {$750.00} ; XXXX XXXX XXXX XXXX : {$510.00} ; TXXXX XXXXXXXX XXXX  : {$1800.00}
Consumer complaint received 2021-03-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (TX)

starting in XX/XX/XXXX i received a call from my mortgage broker offering a refi. I explained to them I was not interested in paying to refi a loan that was less than 1 year old. I was told there were no closing costs outside 1 month 's payment. after receiving loan form they were trying to roll costs into my loan. When this was brought to their attention is was denied. I had to finally ask what my principle was vs the loan amount to make a vivid point they were caught. After accepting I caught this problem it was immediately changed. Fast-forward to day, there is still no active refinance completed and I have been told they had to rewrite the loan. During this process I received an extreme amount of e-mails from Mr. Cooper. At one point when I decided to monitor them I received 18 e-mails from XXXX to XXXX the following day. I was also argued with when pointing this out and even demanded mismanagement attention. No calls have come nor e-mails trying to defuse this harassment of e-mails. Now my mortgage has went from XXXX monthly to XXXX monthly with the excuse my escrow account was miscalculated. When I tried to call customer service about this they had no clue what was going on nor the knowledge to properly discuss. I tried to get the rep to but the simple math to paper and she refused eventually leaving me on a constant hold when I demanded management. In summary this lender has falsely advertised a refi they could not come through on, they have harassed me via spam e-mails way into the night and have cause my mortgage to go up XXXX with no proper explanation why. The third issue could phase most Americans out of their homes, an increase of XXXX a month with no notice. There is already class action against this lender from what i am now reading and i feel that I have fallen into their predatory habits.
Consumer complaint received 2024-02-22
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-07-17
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)

Ones again the ruthless investigations of Transunion dont have any meaning with information from 2019 from a third party that isnt the furnisher and doesnt match Ones again he can see how ruthless can be Transunion against consumers Im requesting again to Transunion to stop their ruthless actions If that is true so Im requesting from transUnion the original contract from XXXX  XXXX and XXXX  XXXX  and stop XXXX XXXXlying That aint even a recent investigation That is from 2019 form a third party What is XXXX. Investigation which I dont consider any credibility at all
Consumer complaint received 2018-07-11
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 provided XXXX, Transunion and XXXX with information asking them to verify all accounts on credit file, as I did have issue with incorrect information being reported, as I am a XXXX. I advised that the information was not current, shown to have been incorrect, and ask that they remove the incorrect information ASAP. They are also providing and showing out dated information advising that I am currently behind on my accounts, when I am current and have not been late. Advised that information would be updated, but that information did not show to have been updated still to this day. Showing the last information to be reported was dated for XX/XX/2017. I have asked all 3 companies to update, verify or remove the accounts and to no avail. At this time I am asking for all hard inquires, as well as all collections shown to be removed, and all outdated inaccurate information removed as well. I shouldn't have any inquires on my report as I have not apply for any updated or new credit. I have sent letters to all 3 credit companies advising if this information is not corrected, I will move on the legal actions. I should not have to pull and go back in fourth with a company that is paid to report accurate and true and correct information! Please assist me in getting this all resolved and having all this information verified, removed off my report. I didn't want to come to this point, but this is the only chance to have this matter resolved.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Please read carefully -- I applied and received a loan from XXXX XXXX. When I explained to the loan representative what I wanted the loan for she told me it would be a consumer loan for home improvement. This loan was secured with my signature not a home ( please see attached promissory note ). As a matter of fact I'm not on the deed, therefore I am unable to obtain a mortgage on the property. XXXX XXXX is reporting this account as a mortgage. I defaulted on the loan, XXXX XXXX agreed to do a settlement ( proof I paid the settlement attached ). Now that I have settled the account it is reporting as a short sale. I have tried to obtain a mortgage but I was denied because this loan is shown as a short sale ( see attach denials from XXXX and XXXXXXXX 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 — Account information incorrect
Company: CLGF Holdco 1, LLC (CA)

I tried making a change to my account online and found my account in delinquent status, no attempt to contact me was done. I still live at the address they have on file, and all my contact information is the same and current with information they have on their site.I was never contacted to be INFORMED and provided an opportunity to make an immediate payment and get this sorted much sooner than it did. They have correct phone, email and home address and they didn't use any methods to alert me to this tardy payment. 

In addition I would like them to remove the only other late payment on record XXXX XXXX  per the CARESACT I was unemployed. I sent them a letter with no response. 
Thank you