davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Credit reporting 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. (FL)

PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


1. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-02-05
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. (CA)

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.

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 2016-11-12
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: MARINER FINANCE, LLC (FL)

Per previous cases Mariner financial agree to send me the insurance forme and stated once they received the form they will updated the credit files and removed the negative information. And they have n't I request this information to be removed permanently from my credit file as I have complain with Mariner Financial.
Consumer complaint received 2017-03-27
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC (OH)

A man named XXXX from a company called National Credit Adjusters has called me to report a delinquent account on behalf of XXXX XXXX XXXX as an attempt to collect an alleged debt. I 've never applied for a payday loan, so I called XXXX and they have no record of me or an account in my name. I attempted to call XXXX back and continued to get voicemail. He later called me back from a different number in a different city than the previous call. I 'm sending a DN to the company. I highly suspect this is a fraudulent company. The original number he called from was XXXX and then XXXX.
Consumer complaint received 2024-02-05
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. (NC)

In accordance with the Fair Credit Reporting act 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 I t also states a consumer reporting agency can not furnish an account without my written instructions..
Consumer complaint received 2022-08-05
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. (FL)

Hello, I am a victim of identify theft. XXXX XXXX placed a hard inquiry on my credit report. Thank I do not recognize. These are the steps that I have taken since the hard inquiry have been placed on my account. 
I have filed a report with the FTC, I also placed a freeze on my account with the credit bureaus.
Consumer complaint received 2023-01-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

I'm adding to a complaint already made about Mr cooper. 
While on the phone with Mr cooper on XX/XX/23 the mr cooper representative said that I should never had been denied as I paid all the payments on time as agreed, after a long hold they came back and said that my case had fallen through the cracks and she was making the changes to allow my modification to go ahead, all this was in the presence of my lawyer and recorded by Mr cooper.
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment in XX/XX/2016 for 30 days late on account ending in XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report and as You can see on my report all of my other payments was on time. Please delete that late payment off my credit report or provide me with proves that the payment was made late on XX/XX/2016 as my bank record show it was made in time.
Consumer complaint received 2024-02-05
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. (GA)

I reviewed my consumer reports and noticed that i had two late payments on two accounts that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year>, XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2020-10-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CO)

have been trying to resolve an issue with insurance claim funds, due to me, with this company for 7 months via phone calls and written correspondence since XX/XX/XXXX, without even the courtesy of a reply. Please see details in the letter below. 

XX/XX/XXXX Attn : Managers in both Bankruptcy and Loss Drafts Dept.

Re : Loan ending XXXX Claim : XXXX and XXXX The Money Source XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX To Whom It May Concern : I am hoping someone there can help me as I have already spent over 5 hours on the phone with both the bankruptcy and loss drafts dept, several times, and neither says they can help me. Then every time they try to conference in the other department to try to work this out together, they hang up on me and dont call back, so I am beyond frustrated and feeling taken advantage of as we are going on 3 months  without any resolution or headway being made. 

Between XX/XX/XXXX and XX/XX/XXXX I missed 3 mortgage payments as I just assumed my unused funds from the two claims above would be used to cover those costs as they were with prior claims after the work  was completed. However, in XXXX I was notified that you had not approved that this time and I was going to have to go to court on XX/XX/XXXX if my loan was not brought current through XXXX. So, on XX/XX/XXXX, I borrowed those funds from my retirement account to avoid going to court. I paid the full {$7000.00}, listed on your motion, out of my pocket to be current through XX/XX/XXXX and then have made all subsequent payments on time. 
But then in May, bankruptcy finally approved using the insurance funds to get my account current. The problem is though, that my account was already current so, the insurance funds should have been sent back to  me. There should have been {$2200.00} remaining on claim XXXX and {$5000.00} remaining from claim XXXX for a total of {$7200.00} coming back to me. This has not happened, nor have I received 3.4 months of credit towards future payments ( XXXX owed to me / XXXX per month mortgage ). I either need to be refunded those insurance funds ( my preference ) or, at least be able to recoup the extra money I laid out, by getting the full credit for XXXX, XXXX XXXX and part of XXXX XXXX mortgage payments as everything else is current through XX/XX/XXXX. My request would be to get the refund back via check to be able to put back into my retirement account. 
Since we are now on the third month of trying resolve this issue, I am hoping you can provide me an answer in writing ( Mail or Email ) no later than XX/XX/XXXX. Thank you in advance for your attention and cooperation in this matter.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Subject : Complaint Against XXXXXXXX XXXX  for Inaccurate Credit Reporting Dear Sir/Madam , I am writing to file a formal complaint against XXXXXXXX XXXX concerning the inaccurate reporting of my XXXX XXXX XXXXXXXX account information to the XXXX major credit bureaus : TransUnion, XXXX, and XXXX. This complaint is submitted in hopes of resolving an ongoing issue that has negatively impacted my credit report and score. 

The discrepancy involves the reported first date of delinquency. XXXX XXXX has erroneously reported the first date of delinquency as XX/XX/XXXX. This is incorrect. The actual first date of delinquency occurred in XX/XX/XXXX, when my account was 30 days late. Moreover, my account was closed on XX/XX/XXXX, which further contests the possibility of a first date of delinquency in XX/XX/XXXX. 

This inaccurate reporting has unjustly affected my credit standing. Despite multiple attempts to rectify this error directly with XXXXXXXX XXXX the issue remains unresolved. The persistence of this inaccurate information on my credit reports is a cause for significant concern and distress. 

I hereby request the CFPB 's assistance in investigating this matter. I seek a correction of the reported delinquency date to reflect the accurate first date of delinquency in XX/XX/XXXX and the acknowledgment of my account 's closure in XX/XX/XXXX. 

Thank You
Consumer complaint received 2024-02-05
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. (MI)

I wrote to the 3 credit reporting agencies XXXX, XXXX XXXX Transunion XXXXXXXX  explaining the section 15 USC 1681a. Means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. which was not fulfilled on my end, I have multiple inquiries that have not gave consent for, Credit Card Utilization, XXXX car installment loan. XXXX wrote me a response XXXX, TransUnion XXXX, & XXXX all are saying the information is accurate
Consumer complaint received 2024-02-06
Product: Credit reporting 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. (FL)

This hard inquiries are fraudulent and doesn't belongs to me and need to be remove. Also the next as well : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX transunion XXXX XXXX transunion XXXXXXXX XXXX XXXXXXXX transunion XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The credit bureau is not complying with the law by failing to delete the late date of a disputed item involving XXXX XXXX, despite my repeated attempts to resolve the issue. This non-compliance with the FCRA necessitates the complete removal of the late dates from my credit file.
Consumer complaint received 2020-06-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

We applied to Lakeview for a 90-day forbearance back in XXXX, when COVID hit, and were approved. I've tried for the last 60 days to extend the forbearance, as they suggested through numerous emails to me and letters in the mail. I've called them three times and get confirmation numbers about my application each time ( here are two : # XXXX and # XXXX ). I've emailed them from their website numerous times. Can't reach an actual human on their phone tree. I have left a voicemail one time. 

My forbearance runs out XX/XX/. 

Need help reaching this large mortgage company. My loan number through Lakeview is XXXX
Consumer complaint received 2020-06-30
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION (TX)

They have repeatedly called me trying to get me to pay even though I have explained to them on 3 occasion in the last 24 hours that I am unemployed due to the pandemic and that I am waiting on my unemployment to pay, yet they still call.
Consumer complaint received 2024-02-06
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to address the presence of inaccurately reported fraudulent accounts on my credit report and to request their immediate and aggressive removal. I have been the victim of identity theft, and it is perplexing why the other credit bureaus have promptly responded to my requests while yours seems to be unresponsive. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2021-06-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

during the housing crises my mortgage loan was being service by JP Morgan chase bank. After 6 years in foreclosure I receive a loan modification. I was under duress and facing the homelessness with my XXXX year old child I had no other choice. At the time of the modification the home was valued approximately {$190000.00}. Chase bank place a new loan on the of {$480000.00} this was unconscionable. Additionally this loan has a balloon payment of {$350000.00} on the loan maturity date. There is absolutely no way they value of the home will every be worth {$480000.00} and there is just now way that the home will be value at {$350000.00} on the maturity date of the loan. Chase did this knowing that there is just no way out. Recently my loan was transferred or sold to XXXX XXXX  XXXX  who has decline to help me.
Consumer complaint received 2020-11-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

XX/XX/2020 at XXXX XXXX  I called USAA Bank to file a claim on an unauthorized transaction using my debit card that posted on XX/XX/XXXX for {$71.00}. I already canceled my debit card. Got a credit while claim is in process. 
XX/XX/2020 XXXX XXXX   Got a call from a representative of USAA asking me what happened with that transaction. After explaining I was told it was filed as a dispute claim should had been a fraud claim. I told her I just called in and representative filed the claim I have no idea was the wrong one. She said credit will be reversed and I should see another credit under fraud instead by XXXX XXXX Credit was taken back on XXXX XXXX 2020. No credit was reissued. 
XX/XX/2020 XXXX XXXX  Called to asked about status of claim. Was told I should had the credit already. Representative review acct and said could see notes. To give 3 to 5 business days and I should see credit. 
XX/XX/2020 XXXX XXXX  Called again to check on status and credit. Representative said she can see notes. Put a work order to get credit should take 7 to 10 business days. 
Absolutely unacceptable is I have to keep waiting and calling after a month of calls going back and forth and this is not free money. Hard earned money not XXXX cents or XXXX dollars but {$71.00} that I could pay a bill with. Besides another issue that havenr been resolved either. I cant access my insurance yo make payments this has been going on since XXXX. No resolution either and here I am can't make my payment. Already missed a payment arrangement because of this on my car insurance. I dont like to give my card or acct info on a call to a person. I prefer doing it thru website of the bank. I cant even use bill pay option either. Again another issued mentioned on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and still nobody knows why.
Consumer complaint received 2024-02-05
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. (FL)

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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  Account # XXXX Date Opened XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-02-05
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. (TX)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2016-11-04
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Taylor Law, PLLC (TN)

Taylor Law , PLLC, Located in XXXX, XXXX ( They represent XXXX , XXXX collection agency ) has filed/threatened to file a lawsuit against me over a Time Barred debt. The original agreement was with XXXX XXXX XXXX and according to their credit card agreement it is governed under XXXX State Law. The statute of limitations in XXXX is three ( 3 ) years, which expired in XXXX 2014, and places their suit in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2024-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have XXXX accounts that are unlawfully added to my credit report I've tried to contact TransUnion XXXX and XXXX for over 2 years and they have not removed these accounts even with proof that I was not liable for these accounts. 42 USC 408, 15 USC 1681 states that I have the right to privacy and any loan and or credit card company that asks for a social security number is commiting fraud. Violation of XXXX