davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Santander Consumer USA Holdings Inc. (CA)

" End of Term Final Bill '', dated XX/XX/20, received on XX/XX/20 via USPS, charging {$270.00} for " Exterior Damage '' that did not include any substantiating documentation of any kind detailing the type of damage or necessary repairs. No repair statement was included, nor photos, nor mechanic 's documentation that would substantiate the charges. Document indicates that it is " page 1 of 1 '' so, no documentation was excluded in error. Call to " lease end team '' resulted in assurance that " I could have gotten this information if requested '' online, making it the consumer 's responsibility to get information that should be provided by the finance company to substantiate their invoice.
Consumer complaint received 2018-02-01
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. (NV)

I received a copy of my credit report and i find two hard inquiries that were not authorized by me. I contact TransUnion and XXXX XXXX about the fraudulent inquiry and they agreed to remove it from my credit report but they never did. Today i check my credit report and XXXX XXXX  add another inquiry to TransUnion report that i did not authorized, i call them and they both said the same thing. I'm very frustrated, this is a very serious matter, Transunion and XXXX XXXX  won't help me fix it. Please remove XXXX XX/XX/XXXX and XXXX XX/XX/XXXX from my credit report.
Consumer complaint received 2021-08-13
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. (FL)

I can't believe this credit reporting agency has taken advantage of me. I AM VERY UPSET that they have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted ASAP. This company has negatively affected me, and this is unacceptable to me as the consumer. 

These are the items I have been demanding to be deleted! 

15 U.S code 1681n Infamis of pulls XXXX Date of inquiry : XX/XX/2020 15 U.S code 1681n XXXX of pulls XXXX Date of inquiry : XX/XX/2020 15 U.S code 1681n XXXX of pulls XXXX Date of inquiry : XX/XX/2020 15 U.S code 1681n XXXX of pulls XXXX Date of inquiry : XX/XX/2020 15 U.S code 1681n XXXX of pulls XXXX Date of inquiry : XX/XX/2020 misleading false reporting unverifiable and inaccurate reporting. Date last activity is not 100 % accurate across each credit bureas which is a FCRA violation XXXX XXXXXXXX Account Number : XXXX misleading false reporting unverifiable and inaccurate reporting. Date last activiy is not 100 % accurate across each credit bureas which is a FCRA violation XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2018-01-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cornerstone Holdings, Inc. (AK)

I was diagnosed with XXXX while studying medicine out of state in Alaska. Since the insurance was through a Washington state coverage ( my home state ) I had to get prespptoval for treatment out of state. I thought bills had been paid by insurance and later learned the had failed to cover the initial XXXX XXXX performed in Alaska as well as a number of follow-up visits which were in Washington state, where the major treatment was performed. The insurance company also failed to cover needed supplies for my XXXX XXXX materials. 
All this has resulted in damaging my credit when I THOUGHT I was completely covered. XXXX, XXXX, XXXX, XXXX were covered for the most part but the few items they never paid adversely affecting my credit.
Consumer complaint received 2018-01-22
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: ERC (MO)

This account with XXXX originated with a date from 2010. The original 2010 date should be aged off if nothing else. I filed and forwarded a fraud report from The FTC. The account was removed from all three CRA. It has since repopulated on my XXXX report via a collection agency and the new date shown. 
XXXX has been reporting my account with an incorrect birthdate and SSN. I have filed electronic disputes, with supporting documentation, that I have again attached.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

XXXX XXXX Is reporting negative information on all of my credit bureau reports. This account was paid to the original creditor by my insurance company and should never have been placed on collection and never be reported on my credit files. When I contacted XXXX XXXX they promised me that the accounts would be removed and nothing negative should be reporting on my credit reports.
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX Account # XXXX, has violated my right. 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
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

EMAIL ADDRESS : XXXX MAILING ADDRESS : XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX , MD, XXXX While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and is also a clear indication that this information was NOT properly verified upon you receiving it. Equifax is reporting inaccurate information regarding my DATE OPENED with the following accounts ; > <ACCOUNT # 1 : THE BUREAUS # # # # # XXXX : EQUIFAX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XXXX.> <ACCOUNT # 2 : XXXX XXXX XXXX XXXXXXXX # # # # # # # # XXXX : EQUIFAX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XXXX <ACCOUNT # XXXX : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XXXX <ACCOUNT # 4 : XXXX XXXX XXXX XXXX XXXX : EQUIFAX has the DATE OPENED as XX/XX/XXXX XXXX however XXXX has the following info claiming to be accurate, DATE OPENED as XX/XX/XXXX. EQUIFAX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XXXX <ACCOUNT # 5 : XXXX XXXX XXXX XXXX : XXXX XXXX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XXXX <ACCOUNT # 6 XXXX XXXX XXXX XXXX XXXXXXXX : EQUIFAX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XX/XX/XXXX. EQUIFAX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XXXX <ACCOUNT # 7 : XXXX XXXX XXXX XXXXXXXX : EQUIFAX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XX/XX/XXXX. If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately.
Consumer complaint received 2018-01-22
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. (AL)

I have repeatedly dispute and asked for verification verifying the validity of a account XXXX XXXX is reporting in my credit about an account original belonging to XXXX. I have NEVER had any account or did any business with XXXX. I asked for documents with signatures or proof this account belongs to me but have never received anything.
Consumer complaint received 2018-01-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

I withdrew exactly XXXX from Coinbase on XX/XX/XXXX ( XXXX ) which on the Coinbase account shows Completed transaction but I never received the funds to this date XX/XX/XXXX to my bank account. I think what happened was that on the Coinbase account even after verifying with my new Passport and the Bank Account it did n't change the name on account to my name. We first opened it with my mom but since the names on the Coinbase and my Bank Account has to match that 's why I verified again and with no name change turns out. 
I know the name on Coinbase account and Bank Account has to match in order for the withdrawal to complete but now I 'm in a position where before withdrawing I tried to change the name by re verifying and thought it did it but it did not have been trying to contact the Coinbase support now for weeks but with no answers at all & the transaction on Coinbase account shows Completed for me but no money on bank account. 
Now for a while I 've had my full name there it 's just the support is n't contacting at all!! 

Case # XXXX Withdrawal reference - XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (IL)

Hi I'm XXXX XXXX I'm a consumer summiting a complaint as a victim of identity theft. XXXX, Equifax. has used and abused my personal information by furnishing my Non public information to other companies. This sharing of my personal information was not disclosed to me in writing. My right to privacy as been violated under the Gramm Leach Bliley Act of 1999. These violation need to be addressed As soon as possible as it has resulted in me being victim of identify theft. I demand all stated accounts be removed from my credit report with in the next 4 days as stated in law under under 15 U.S. Code 1681C-2 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 2022-02-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunset Management, Inc (GA)

They mailed me a predatory loan in XX/XX/2021 before XXXX now they are continually harassing me by showing up to my residence invading my privacy, coming on my property and being unprofessional and even cursing towards me. 
The very first time they came in XXXX I told them to not come to my home again but since then they have came back to my house 5 to 6 times. Twice they came and my son ( which is a minor ) answered the door and they even had the audacity to hand him documentation of the loan and did not ask for a parent. I told them to leave my property or I will call the cops and I was cursed at after I told them that. They have been causing my distress on my mental health and hostility not to mention doing this infront of my XXXX minor kids.
Consumer complaint received 2022-09-09
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: EQUIFAX, INC. (NY)

I am reaching out to the CFPB today about illegal activities that Equifax is engaging in concerning my credit report. They have a XXXX XXXX posting on my credit report under the account # XXXX in which I will attach the documentation concerning this dispute. It has taken them well over 30 days to respond to me in which I sent a dispute XX/XX/2022 and they are just getting back to me now XX/XX/2022. That is well over 60 days and they responded with a stall tactic they told me that they need identification verification when I sent my driver license and social security card so that response that they generated is invalid. This company fails to do their job so I have to escalate this issue to the CFPB. Not only do they send me that they require my driver license, and XXXX card that I already provided them countless times as this dispute as been going on well over a year. I requested investigative procedures concerning this XXXX XXXX  account under # XXXX and they fail to provide that and furnish consumer information which is against their policy and my request as the Original Creditor. They are saying under 605 ( C ) of FCRA law that this account is mine and they are going to do another reinvestigation but where is the proof under 605 ( C ) that I was the one that obtained goods and services for this account. I have not been provided any proof that of this in which Equifax is taking sides with XXXX XXXX instead of doing their thorough job and investigation which is the reason why they are in a probe in the first place for furnishing incorrect credit reports and wrong information. Not only this I disputed an inquiry on my Equifax credit report a XXXX inquiry dated XX/XX/2022 and it was the result of identity theft and fraud in which I did not apply for this account or have any business with this lender/bank. The day after I submitted the dispute EQUIFAX told me that they completed this investigation within 1 DAY and that it was verified as accurate which is completely incorrect and falsified information. How is this fraudulent inquiry verified not only that how did they come to the conclusion within one day and it is under my understanding that any fraudulent activity that is on my credit report must be REMOVED upon notice to the credit bureau unless they can provide information that it is VERIFIED Which they did not allow me.
Consumer complaint received 2021-09-09
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. (FL)

From XXXX XXXX XX/XX/XXXX I was a victim of identity theft ; Because a mail came in that said my taxes were ready to collect and id never do taxes i was XXXX. I am now XXXX and i cant open any banks and all my background checks fail. I know it was fraud for sure because i get so many messages on my cell phone about someone named XXXX XXXX. I see that name everywhere now and it's using my credit and social security. Please i want to know how to get my credit back to normal.
Consumer complaint received 2019-10-29
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. (AZ)

XXXX ( date issued XXXX file # XXXX ) has violated the FCRA by reinserting XXXX XXXX XXXX XXXX XXXX XXXX back onto my credit report without the 5-day notice.

I was not notified as a consumer with a written notification within the 5 business days. This is against the FCRA. 

Experian and XXXX as well
Consumer complaint received 2024-02-19
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. (NJ)

I implore you to take immediate action to eradicate the unauthorized accounts from my credit report, as I did not authorize their inclusion and they are causing me significant distress. Please address this issue promptly.
Consumer complaint received 2019-03-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

XXXX is our mortgage servicer, but they have not been fair in regards to our mortgage situation. We struggled when my husband and I both lost our jobs a few years ago, but our income is back to where we can afford our mortgage payments. We suffered through a hurricane and were given a hurricane forbearance, but XXXX lied to us about the terms of the forbearance and now we are in jeopardy of losing our home through foreclosure. We tried to apply for mortgage assistance, but XXXX is refusing to help us and say we can not afford our payments, all due to their mistake regarding how they handled the hurricane forbearance. They advised in XXXX of 2017 that they would take the amount postponed due to the forbearance and put it into the back of the loan. However, when we contacted them after the six months, we were advised that the total amount due was the six months and our regular payment. We are extremely frustrated with their process and representatives and afraid that we will lose our home through foreclosure. Also, they apparently approved us for a repayment plan and it was supposed to be mailed to us, however, we only received a request for mortgage assistance package in the mail. The representatives we speak with do not have a grasp of what is going on with our file and we do not have a single point of contact to deal with on our mortgage. We are not confident they are properly servicing our loan and we would like for your agency to investigate what they are doing.
Consumer complaint received 2018-01-21
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. (GA)

My name is XXXX XXXX XXXX. I file a dispute letter with XXXX, Transunion and XXXX about a loan on my credit file that is charge off around XXXX XXXX. XXXX XXXX Account Number # XXXX around XXXX XXXX XXXX deleted this item form my file, XXXX and Transunion didn '' t take this item off my credit file. This item is still on both file on this day. Around XXXX XXXX my wife send a letter to XXXX XXXX to show we own the debt. They send her a letter ask for information. The dispute l sernt to XXXX and Transunion were 609 and 611 FRCA.
Consumer complaint received 2018-03-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TN)

In XX/XX/XXXX, Quicken Loans , Inc., denied my application to refinance my home mortgage. After I complained about the refinance rejection, on XX/XX/XXXX, my application to refinance was conditionally approved. Later on it was denied again. This occurred despite the fact that my property was appraised at XXXX, and I have {$160000.00} in equity. However, the property appraiser indicated that it was not being used at its highest and best possible use.

My immediate area previously was occupied by single family residences. Nevertheless, in the process of gentrification, the former single family home lots, such as mine, now contain multiple residences. Of course that is a process over which I have no control. Nevertheless, I have been denied mortgage refinancing because of it.

Use of that policy by Quicken Loans , Inc., will have an adverse impact on minorities in this area, since those single resident lot owners who remain in the community after gentrification are more likely to be minorities. In effect, a disproportionate number of us will be more likely to be denied mortgage refinancing on that basis. Quicken Loans, Inc., would not be adversely affected by refinancing my home. Gentrification has caused property values to increase significantly on both single and multiple home lots. Consequently, Quicken Loans, Inc., would not be taking an unreasonable risk by refinancing my mortgage. Its failure to do so amounts to racial discrimination in mortgage refinancing. That should be illegal.