davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
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. (AZ)

I mailed off letters to TransUnion and requested they investigate the negative information. They sent a letter stating it did not come from me, how can they tell? I am going to show you copies of what I sent as well as what they sent me. It is basically an excuse for them not to do the investigation. I have the right as a consumer to hire anyone I want to work on my credit. But the fact that I done this not a credit repair company is just sad, how can they just assume this wasn't me? I am hoping since I can't get them to do their job maybe you can. The information I disputed must be deleted 30 days from the date they received it if they do not do their investigation. I am asking that you please make them do their job since they don't want to do it! All documents will be included with this complaint. Thank you for your time!
Consumer complaint received 2015-11-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (PA)

Central Finance Control had placed this negative items on my credit reports without notifying me. I filed an dispute with Central Finance Control on XXXX and they never responded to my dispute. Central Finance Control violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. I had requested this items deleted off the CRA within 15 days from the date of the dispute letter.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

On XX/XX/XXXX I had XXXX and was in XXXX with XXXX XXXX XXXX, my XXXX  pulled me off work until XXXX While I was in hospital I missed XXXX 30 day payment from XXXX XXXX on a credit card. XXXX XXXX has removed the late payment since XX/XX/XXXX after disputes and sent updates to all 3 credit reporting agencies ( Equifax, XXXX and XXXX ) to stop reporting the 30 day late payment. XXXX and XXXX did remove the late payment on my report, But EQUIFAX still reporting the late payment after I sent multiple letters to stop reporting the late payment. Now EQUIFAX is damaging my reputation and causing me mental auguish, because any lender or employers that pull my Equifax report would qualify me.
Consumer complaint received 2024-02-15
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)

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. 

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  and 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 2020-09-10
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. (MD)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-10
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)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The accounts listed below arent mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help me. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2015-09-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Duplicate entries, debtor : XXXX XXXX account # same as XXXX, triple reporting, aged out account XXXX XXXX.
Consumer complaint received 2020-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (OH)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2016-12-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have disputed with the original vehicle loan, XXXX, and with the consumer credit reporting agency, Trans Union. I finally had to file complaint with CFPB against XXXX and their reply was that they were sorry and will correct the data on mine an my wife credit reports for all XXXX bureaus. They changed it, but not to correct data. Trans Union needs to stop incorrectly reporting our data on the credit reports for the XXXX account and just remove it.
Consumer complaint received 2024-02-10
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 

XXXX XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2015-11-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Have disputed this account with XXXX Transunion numerous times. Account has not fully been investigated properly. Have not been provided with information and different information being reported to each bureau. Have requested full verification as each report is showing different information and have yet to receive adequate proof of ownership. Have received statements but nothing proving I own the account and inconsistent information being reported across all XXXX bureaus.
Consumer complaint received 2016-09-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (DE)

XX/XX/XXXX I requested for Ocwen to remove my escrow account effective XX/XX/XXXX ( or later - XX/XX/XXXX ). They denied my request based guidelines not relevant to me, a false home value report ( their records reflect {$60000.00}. home value ) ; falsely accused that I failed to put request in 25 days before they send an escrow payment and stated that my account must be 12 months current. I advised them continuously my income dropped greatly due to XXXX since XX/XX/XXXX and I need to lower my monthly payments to avoid further fees and foreclosure by removing the escrow account.
Consumer complaint received 2024-02-14
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. (MO)

I have contacted the 3 major credit reporting agencies about these very issues at hand. 
In accordance with the FCRA, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following accounts must be removed immediately : 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  15 USC 1681 Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, farther states that a consumer reporting agency can not furnish a account without my written consent / instructions.

15 USC 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.

Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furish 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 in accurate. 

I'm demanding that the accounts above be removed and deleted immediately.
Consumer complaint received 2020-10-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I was called by Wells Fargo and offered a plan during COVID 19 hard ship to have the money owe on my mortgage applied to the end of the loan during the forbrsbance now they want the entire balance at once. After the forbarence and I was told it would be put on the end of the mortgage now Im get bill they want it all at once. Wells Fargo called and offered me the program I ask the question will this be due all at once they said No it will go on the end of the loan now they are wanting it all at once they called me and offered the program Wells Fargo have set people up to loose their homes
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

Please be advised that I have already received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that have used a third party credit repair agency. Not only do I believe this to a way to prolong this investigation, but I believe it to be a blatant violation of the FCRA. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is another way to stall. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further.
Consumer complaint received 2017-02-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

On XX/XX/XXXX2017 Ocwen received my monthly payment for XXXX 2017 in the amount of {$2600.00}. ( my payment for XXXX 2017 is in the amount of {$1100.00} ) On Ocwens website on XXXX2017 I noticed that Ocwen never applied the EXTRA {$1500.00} I sent in towards the principal. Ocwen never applied any part of the {$1500.00} to my loan at all. ( I do n't know where that money went? ) The principal balance of my loan for the month of XXXX 2017 was {$140000.00} and on XX/XX/XXXX2017 Ocwens website says that the principal balance on my loan is {$130000.00}. That is only a difference of {$460.00}. The total amount that should of been applied to the principal of my loan should of been {$1500.00} PLUS my regular principal payment of {$460.00} add those XXXX numbers together and you get {$1900.00}. You take the {$1900.00} and subtract it from the principal balance owed in XXXX 2017, {$140000.00} and you get the amount of the principal balance owed going into XXXX 2017 which is {$130000.00}.
Consumer complaint received 2015-12-08
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Cooper Hoffman Klein Associates (TX)

This Company called my house phone 3 times, they left a recorded message on answering machine, then a lady called ( from XXXX ) and asked for a XXXX XXXX and I told her she had the wrong number and no one by that name lived here and that we had this phone number for over 8 years and not to call again. About 3 hours later we get a recorded message ( from XXXX ) saying we needed to contact because we had been sued and would be arrested if we didnt contact them to setup payment. I hit XXXX to talk to someone and a guy answered and I told him that they called earlier and I told them they had the wrong number and not to call my home again. I asked them their address and they gave me XXXX XXXX XXXX XXXX Texas XXXX, but that XXXX belongs to XXXX and they said they called them about using there address.
Consumer complaint received 2023-04-05
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)

XXXX XXXX XXXX XXXX AMOUNT {$25000.00} I HAVE BEEN TRYING TO CONTACT THIS COMPANY BUT THEY HAVE NOT RESPONDING TO MY CALLS.
Consumer complaint received 2021-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MA)

On XX/XX/XXXX, I made a online transaction ( XXXX XXXX XXXX XXXX XXXX ) to purchase a XXXX toy ( through XXXX ad ). After I made the transaction, I found that the pending dollar was slightly higher than the price ( final transaction price of {$77.00} ) which got me to search online, and figure out that it is likely to be a fraud. So I called credit card company ( Citi card ), and they told me that I need to call back in a few days after the pending becomes complete transaction. So I called them again after a few days, and they told me that the dispute is going to be processed and is going to take a few weeks. 

Now I forgot about this dispute request after that, and come XX/XX/XXXX, I was reminded by it, called to contact Citi, and they told me that the dispute was not processed, and that I had to send a written dispute by regular mail. So I did, and also responded to an addition regular mail in a prompt manner. However, after a while, they denied my dispute because too much time has passed since the transaction. Upon checking correspondance history at their end, they told me that they sent an email asking whether to continue processing the dispute, which they did not hear back. I checked my email and message record, but I can not find that email anywhere. 

At this point, Citi honored me a {$20.00} courtesy payment for the trouble ( still pending ), but they did not reverse my {$77.00} loss from fraudulent website. 

All this time, I tried to contact the merchant ( only email is available, no phone ), but I got no replies. Obviously because the website/merchant is fraud.
Consumer complaint received 2016-08-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

on XX/XX/2016 I filed a complaint of the mortgage company adding additional charges to my loan with no explanation. Because of CFPB they finally got it all corrected on XX/XX/XXXX statement. So on XXXX I go to the web site to make my payment and the web site will only let me make the minimum payment again and not the fully amoritized payment so I add the additional amount. Now again on XX/XX/XXXX statement they have started again charging me fees with no explaination. When is this going to STOP!!!!! I just want to make my payment correctly, on time, and have them credited correctly!! WHAT A CONCEPT!!!
Consumer complaint received 2024-01-24
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: Experian Information Solutions Inc. (CA)

On XX/XX/2023 I submitted three letters to all 3 credit bureaus. I asked that they remove all reportings on COLLECTIONS as they were reporting false information about me. Here are the accounts reported by Experian, XXXX and XXXX. 

XXXX XXXX Partial Acct # XXXX ... Past due as XX/XX/2023 XXXX XXXX XXXX Partial Acct # XXXX ... PAST DUE BALANCE OF {$4400.00} as of XX/XX/2023 XXXX XXXX Partial Acct # XXXX Closed. {$510.00} written off. ( Why does this account still show on my credit report? )
Consumer complaint received 2021-03-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Leap Credit, LLC (WI)

I was the victim of identity theft inXX/XX/XXXX. I've had my credit reports frozen and have fraud alerts on my report since that time. 

InXX/XX/XXXX I became aware of another stolen loan through Leap Credit. This is a {$900.00} loan the was completed via an online application. I spoke with an XXXX on XX/XX/XXXX who took the dispute information. I was instructed to send an email to XXXX to indicate identity theft. I didn't hear anything further and was assured it was going to be resolved. 

I received a collection notice from Leap Credit on XX/XX/XXXX. I immediately called and spoke with XXXX at XXXX. He noted that the ID theft complaint was noted in the account, but that the account was still active and I now needed to file a complaint. This time I was sent 2 emails from Leap Credit. The first was to review the loan agreement and confirm that the routing number and checking account information that the funds from this loan were deposited to didn't belong to me. I reviewed that information and confirmed via a response to the email at XXXX that the routing and checking account number were not mine. The second email was how to contact the credit bureaus and file a complaint and that leap credit would need the case number. 

I placed another fraud alert on my credit report and also filed and ID theft complaint. I was given case # XXXX XXXX XXXX from XXXX, a fraud specialist with XXXX  on XX/XX/XXXX at XXXX. 

I called Leap Credit back at XXXX on XX/XX/XXXX and spoke with XXXX . I provided the case number from XXXX. XXXX stated that they needed a document from XXXX, but I explained that the complaint and case number was done verbally over the phone. XXXX stated she would escalate my complaint to management and would call or email back to confirm that management would be working to resolve this as they are now stating that if payments are not made by XX/XX/XXXX they will report to the credit bureaus. I have had zero response from Leap Credit. 

I received one more notice on XX/XX/XXXX again stating that late fees will increase and reporting to the credit bureaus will occur if payment isn't made. 

I was able succesully close and dispute 3 other fraudulent loans, all through payday lenders as a result of my identity theft. I can't understand why Leap Credit is being so difficult and uncooperative and unresponsive when I have provided all of the information they have requested in trying to inform them that this loan is not mine, nor did I ever take this loan out. 

Please help me in getting Leap Credit to resolve this matter. 

Thank you.