davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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. (NC)

On XX/XX/2023 Identity theft report was received by TransUnion to dispute and remove account on my personal credit report file number XXXX. This account was deleted on XX/XX/2023. However, the creditor reinserted this inaccurate information. This is a violation of law by Transunion. See FCRA 605B ( 15 U.S.C. 1681 c-2 ) ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency Based on the date of receipt of my identity theft report, and the date of the deletion being 4 business days apart, this item was initially blocked. First Violation Under section b. requiring notification, I, XXXX XXXX, the consumer, was not notified of the block being requested and the effective dates of the block. Second Violation Authority to Rescind - Because this item was reinserted by the creditor, Transunion used authority to rescind the block. The block was not made in error, the information was not based on a material representation, and I did not receive goods or services, or money as a result of the blocked transactions. The creditor ( XXXX XXXX ) is reporting inaccurate information regarding my personal information, specifically addresses that I am not associated with that Ive had to remove from my personal credit report. Based on this material fact and evidence, Transunions authority to rescind the block was made in error and I request this to be remedied. I have submitted another Identity theft report now that I have become aware of the amount the creditor is reporting.
Consumer complaint received 2024-02-14
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. (VA)

Please see attached my Notice of Dispute of Billing ErrorValidation of Alleged Debt In Connection With XXXX Mortgage Loan and Consumer Mortgage Loan Receivables Accounts dated XX/XX/year>.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have put in disputes to TransUnion, XXXX and XXXX regarding 2 accounts from XXXX XXXX   that are too old and should be deleted from my credit reports. The information is incorrect and recently they updated the status without my permission and now it has reactivated an account that was paid in full and closed over 10 years ago. Also, I have an account with XXXX XXXX that was paid in full and closed by me that I asked to be deleted/removed and it also shows an update in XX/XX/XXXX. This account was to be deleted/removed in XXXX. XXXX XXXX has documented my accounts inaccurately. They said they changed the account to a shorter account number but kept reporting information under both the original account number and the new generated account when the first account was closed 10 years ago.
Consumer complaint received 2016-09-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc (ID)

This was at a managed rental property where I was being harassed by a neighbor because of my XXXX. After several calls to the local police the property management told both of us that if one leaves they would not hold us to the remainder of the lease. Being the newer tenant I took that offer but did not ask for it in writing, trusting their verbal agreement. Several months after finding a better place they claimed through a collection agency that I owed them for the remaining months I did not live there and several weeks before even moving out posted an eviction notice at my door from the local Sheriff 's office despite never having a notice to appear at court. I discarded it because I was planning on moving out any way. I contacted the collections, dba " Hunter Warfield Inc. '' that referred me to management dba " XXXX XXXX XXXX " that just referred back to collections. I even noticed reviews on apartmentratings.com that this was a common practice by this property management.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was in the market to purchase a home so I got a copy of all 3 credit bureaus. 

My score is considered very good in the XXXX range, however, someone or some company with ill intent has applied for multiple credit cards under my name unauthorized. 

This has harmed my credit standing and my score making it seem as though I'm seeking credit. 

I currently use about 8 % utilization and have well over $ XXXX in available credit. It would be senseless to apply for more credit despite having an exorbitant amount of low or XXXX percent interest at my disposal.
Consumer complaint received 2016-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

on or about XXXX XXXX, 2016, I disputed incorrect information my credit report, such as incorrect names, dates of birth, address and collection accounts specifically - XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX Account number # XXXX and XXXX XXXX XXXX XXXX acc # XXXX. however on conformation number XXXX XXXX XXXX XXXX has been removed but I have not received conformation statement that it has been deleted but have received conformation # XXXX that XXXX XXXX XXXX has been. further the XXXX XXXX XXXX XXXX accounts XXXX showed paid in full and the other showed collection which is confusing to me as the consumer and incorrect Equifax deleted the account in good standing but the collection account remains however both are over 7 years old, I also attached proof that I won a settlement from XXXX for reporting incorrect collection accounts on my credit file to Equifax.
Consumer complaint received 2023-03-30
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. (MA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX. XXXX ' Acct # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-05-25
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. (IN)

I am a victim of ID theft and have sent the proper documentation, police report, etc, however someone within this company is refusing to fix the errors and is causing me financial harm. This has been ongoing for almost a year. I called this company today and they refuse to get me a supervisor. I had to argue with people over getting supervisor. They finally transferred me to the Fraud Department where supervisor XXXX started speaking to me, then she hung up on me.
Consumer complaint received 2015-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

Hello. I need some help with Well Fargo.I have struggled for several yrs Ask Well Fargo for help and sure helped me throwing more on my back.They went up 10 yrs on my mortgage up on my interest rate. I begged for a lower rate and that lower rate would have keep my yrs down .they went up 10 yrs and payment dropped XXXX .what a great american co ..to do us citizen like that.i have never had trouble for 48 yrs and had great credit and then bottom fell out in XX/XX/XXXX - XX/XX/XXXX. I ask if i give up my home you would lose XXXX dollars because of falling value home.I think the way they acted that losing money was ok instead of helping me.Why they can say they are trying to help people. Thats not so true they said all they could do is go up on yrs and interest.They said that if you fail XXXX you can not qaulify for a good rate THAT IS NOT AMERICAN IT IS GREED! HELP ME PLEASE!
Consumer complaint received 2023-03-30
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX  XXXX XXXX, XXXX XXXX Date Open : XX/XX/XXXX Balance : {$36000.00} and XXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$0.00}. Please update these account. 

Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$0.00}. Please correct this mistake immediately.
Consumer complaint received 2022-01-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (CO)

With Navy Federal being reported as bad debt on my credit, I have reached out several times for forgiveness and set up a payment plan and as promise to pay, I have not gotten any help as promised and have been giving me the run around with getting through different departments because they are unable to help. I have been so determined and focused on bettering my life and trying to have good credit but navy federal has made it so hard for me. They refuse to help me in any kind of way, have sent out several emails seeing if there are options but I always get denied for any type of help and neglected. I would like for them to come to an agreement with me so I can have the debt removed from my credit. Understanding I have a future, a family and a life which all depends on my credit. I have been desperately trying to reach for help but nobody seems to be able to do anything for me but constantly and easily reporting to my credit as bad debt. Nobody seems to be able to help after getting transferred through so many departments and Navy Federal is reporting this false debt using a address I never lived at and has updated my new address with them but after doing a deletion for address with bureau, they are unable to remove from my credit report because it shows navy is still being reported.
Consumer complaint received 2019-05-28
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: EQUIFAX, INC. (NJ)

I have disputed the student loan account with the credit bureaus for several attempts to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is ridiculous..Please delete DEPT OF ED/XXXX
Consumer complaint received 2023-03-30
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. (TX)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2017-02-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

I am disputing Ocwen 's account that my realtor and the buyer 's realtor could provide {$1500.00} each to me for my relocation fee as long as it was not on the XXXX form. That does n't make sense because they never provided a means by which the fee could be allocated to me. When XXXX XXXX, my realtor spoke to me he was uncertain how to make that happen if it could not be addressed on the XXXX form ... .also the paragraph from XXXX XXXX, 2016 that XXXX informed Ocwen to move forward without incentive is untrue. I never gave consent to that and there is nothing in writing to that consent. I needed the money to move. This response does not address the relocation funds from my initial complaint from case # XXXX ... I have submitted another offer for the short sale at $ XXXX and learned that the negotiator is still refusing to pay the relocation money which contradicts what is in the contents of the attached letter. Ocwens ' response did not address my concerns. I need the relocation fee to move.
Consumer complaint received 2016-03-29
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: WLCC (UT)

XXXX XXXX keeps calling me about my loan with Arrow head loans, In XXXX I went with progressive debit relief to pay them off and Arrow head is not to call me any more and I am still getting calls from Arrow Head XXXX XXXX, now he has some guy calling from XXXX to my family telling them they are sueing me for check fraud. When I called the number they refused to talk with me. They have both been told to call XXXX at XXXX to handle the matter and they refuse ..It is out of control.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: DISCOVER BANK (MI)

During the Coronavirus issue, phase XXXX, cycle XXXX, Discover Financial Services did not fully investigate options related to fraud and abuse as indicated with a renewed credit card. The new issued card had information that apparently rolled over to the new system however the crisis severely impacted my ability to pay my account on time and now I am concerned that I will have difficulties obtaining a student loan for the XXXX XXXX XXXX XXXX XXXX this fall. The pandemic is challenging and I believe that once again we can unite to formulate an outcome based on good decisions as demonstrated with my first television in XXXX XXXX, XXXX XXXX in XXXX.
Consumer complaint received 2015-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (KY)

XXXX is listed on my Equifax report as charging off then going positive, and then charging off again, and then once again going positive. This is inacurate information reflected in my payment history that continues to keep my credit rating from improving. There are several accounts that are inacurate with my Equifax file that i have tried and tried to get resolve i have uploaded documentation that supports my claim.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611 ( A ) ( i ) promptly delete the item if the information is found to be inaccurate or incomplete or can not be verified.
Consumer complaint received 2015-07-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company (NY)

They continually robo call my line at all hours of the day. Some days they have left up to XXXX messages. 

The message is recorded and they do n't even have my correct last name!! They give you NO information whatsoever, and after reading all the other complaints about this company, I do not dare call back. All other debt collection agencies send you written notice via mail. Why should I be harassed about something I know nothing about and do not know of any uncollected debts that I might have.
Consumer complaint received 2017-02-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

I signed up for a Citi checking bank account. 
There was a promotional offer advertised on their website. I fulfilled my obligations and met the requirements for me to earn the { {$400.00} } bonus. I waited the required time frame of XXXX days and Citi has failed to honor the bonus offer. 
My request is for Citi Bank to honor the bonus by paying me my { {$400.00} }
Consumer complaint received 2020-05-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

As I was impacted financially by the COVID-19 pandemic with losing income to my Family, I contacted Wells Fargo and requested assistance with delaying my mortgage during the process. They agreed to delay the mortgage for 3 months and at that time I would be able to see if I qualify to have the payments moved to the end of the loan or be responsible to make the entire 3 months missed payments at once. 

I contacted them and requested to move the payments to the end of the loan as I would not be financially able to make the payments all at once. Instead, I am able to make the XX/XX/2020 payment so essentially, I will only be 2 months payment behind at this point that I wanted to add to the end of the loan or spread out over 24 months. 

In the beginning when they placed me in the payment forbearance, they stated that they would not report the loan as late or charge any late fees. Although this is correct, they have reported the loan as in forbearance which has also had a negative impact on my credit report for all three reporting agencies, XXXX, XXXX and XXXX   have all received notice from Wells Fargo to place the comments, " In Forbearance not making payments '' which has impacted my credit score will all agencies by 20 plus points. This is very bad business practice and I feel they are exploiting the loop holes in the Care Act to allow for these mortgage options for those in need and there is little  we have as consumers to do about it. 

Now, I am planning to resume payments
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In reviewing my consumer report with TransUnion, I noticed an unauthorized Inquiry on my consumer report from a company named XXXX XXXX XXXX XXXX XXXX on XX/XX/2023. I have not initiated any transaction with this company, so they had no permissible purpose to obtain my consumer report. This is a violation of the FCRA 15 USC 1681 section 604. This is an invasion of my privacy. In addition, FCRA section 607 ( a ) requires that every consumer reporting agency shall maintain reasonable procedures designed to limit the furnishing of consumer reports to the purposes listed under section 604. FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose. FCRA section 620 imposes criminal liability on any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agencys files to an unauthorized person. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses.
Consumer complaint received 2022-01-20
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
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: Experian Information Solutions Inc. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-11
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (AZ)

The debt collector has been leaving voicemails with a person I know stating they are calling to collect a debt. This person called them back to let them know they had the wrong number and they continued to harass him, asking personal questions about him and myself.