davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

Reporting absolutely accurate personal information from multiple sites, Tried different addresses for time frames, formats, comma 's, hyphens, Equifax ( who I used to pay, and they had no problem then ), XXXX, and the " infotainment '' site XXXX, will authorize me without writing in with a copy of my drivers license ( for all the world to see ). As I prefer not to put out my FL high security D.L. is their any other method, or is that their way of getting me to pay for what they advertise is free? I 've double and triple checked everything.
Consumer complaint received 2019-10-21
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (NC)

Recently we leased a new automobile. Shortly after completing the lease I received a letter from Ally Bank Lease Trust, stating they had been asked by my XXXX dealer to accept the lease. The letter stated that they could not do so because my credit score was unavailable from XXXX. The reason my score is unavailable is that I have placed a freeze on my credit reports from XXXX, XXXX and XXXX. Because my information was not available from XXXX, Ally tried XXXX , XXXX. XXXX is a credit reporting agency I have never heard of and the information they have on me appears to be incomplete. 
I have two complaints as follows : - Ally is using a credit reporting agency that is not nationally recognized and who is providing less than accurate data. 
- If XXXX , XXXX is legitimate, why has it not been required to be part of the free credit report process as outlined on XXXX?
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute the following late payment information that is incorrect error supplied to TransUnion. I know for a fact all my payments where made on time I have circled the items Im disputing the attached copy of my credit report This payment from XX/XX/2019 account number XXXX is inaccurate I was never late on this payment I am requesting that Transunion have the payment change to correct the information. Account was payed off full and no late payments Enclosed are copies of my credit report supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them or correct the disputed item as soon as possible. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I requested my free credit report on XXXX for all three agencies. The XXXX loaded fine and I saved it. However, the Equifax report failed to load and the XXXX report did n't load properly in my browser but reloading the page requested the report again. The second time it said my request could not be honored and I had to request it by mail. I called Equifax to order the free annual report but the automated system wanted to charge me since I requested the report online, even though I never received or viewed it. The XXXX website to request a report did not work when I tried to submit documentation for a report by mail.
Consumer complaint received 2024-02-02
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. (MI)

The FCRA section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards require that credit reports be accurate, and I challenge all inaccuracies or deficiencies of reporting. I would like you to look into this matter and provide me with all the information you have about how it happened. This is a serious matter that needs to be addressed because there could be data integrity issues if these standards are not followed.
Consumer complaint received 2024-02-02
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)

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 The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts bolow : XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-02-02
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. (NC)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-02-02
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. (VA)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 2024-02-02
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. (VA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2017-01-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (AK)

I have a mortgage with Wells Fargo. I refinanced with them and they misled me about how much the closing costs were going to be and they took money from the original escrow account and no one can explain to me where that money went. They also never calculated in the new escrow into the closing costs to make it seem the closing costs were not as much as it seemed.
Consumer complaint received 2017-09-12
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)

My information was stolen as part of the Equifax data breach during the summer of XXXX, which was first reported in XXXX, even though it was known internally at Equifax for several months. I have spent the better part of my day neglecting my job in order to find information on freezing my credit and other solutions that will prevent my identity from being stolen in the future. This has resulted in a decrease in hours, and a smaller amount of money earned.
Consumer complaint received 2024-02-02
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'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 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 2020-10-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MA)

I have a mortgage with US Bank. I am now receiving suspicious emails ( three so far ) asking me to go to link regarding my mortgage application. But I do not have an open application. I have called the bank several times and forwarded the suspicious email to their fraud address. Someone appears to be using my information to get a loan or something. One bank rep said I shouldn't be concerned, with no explanation. And that's the only response I've gotten. They are ignoring this. And someone may be in the process of using my personal information and ruining my credit.
Consumer complaint received 2020-10-11
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. (UT)

XXXX XXXX  needs to verify how they did a complete and accurate investigation to the credit reporting agencies under section 623 A. If you use the EROscar system you did not properly do a complete and accurate investigation and the reporting of the account needs to be removed promptly. Continuing use of the E-Oscar system as a form of verification validates my rights and I will seek litigation
Consumer complaint received 2024-02-01
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 2019-10-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (GA)

XXXX 's XXXX XXXX opened an account at XXXX XXXX on XX/XX/1990. This money has never been withdrawn. I'm applying for withdrawal of {$2100.00} plus interest at this time. XXXX XXXX was purchased by Wells Fargo. In calling Wells Fargo, they stated they could not help me, the money was absorbed into the bank at time of purchase. Attached please find copy of bank book.
Consumer complaint received 2024-01-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (NY)

Rushmore Servicing is the company that has most recently acquired my loan from the one that previously managed it. 

I reached out to Rushmore requesting a payoff letter, in the beginning of XX/XX/XXXX. The payoff letter was produced on XX/XX/XXXX and had 3 massive errors. I wrote a letter to Rushmore to address the errors, and emailed it to their research department as I had been instructed by one of their customer service reps. With the letter, I included supporting documents such as bank statements, HUD statement, and a payoff letter that had been issued to me by the previous company, dated XX/XX/XXXX. 

Little bit of background info on the loan. When I purchased the home, the lender allocated {$280000.00} in Holdback as funds to be used for construction purposes. Of that amount, only {$95000.00} had been released and the rest {$180000.00} should still be in holdback. 

I have not missed any payments nor have ever been late since I purchased the home. The previous lender ( Rushmore Loan Management Services ) stopped taking my payments as of XXXX, XXXX. 
The loan maturity date was XX/XX/XXXX. However, I had been on a month to month agreement with RLMS which I kept making payments on time each month. Until they stopped taking my payments. 

The errors were as follows : 1- On the payoff, they are not acknowledging the Holdback funds in the amount of {$180000.00} 2- They are claiming that the loan maturity date was XX/XX/XXXX 3- They are claiming that I have not made any payments since XXXX, XXXX. 

The supporting documents that I provided them prove each item that I listed above to be incorrect. I have reached out to Rushmore Servicing and their lawyer countless times since I sent them everything on XX/XX/XXXX. The only thing Ive accomplished by reaching out is to get ignored, or one of their customer service reps to escalate the matter with the investigation team. They have acknowledged receipt of my email and documents. 

I do not know what else to do. Ive had attorneys reach out to them, at my expense, on top of the countless amount of times that Ive reached out and Ive gotten absolutely ignored. I have a refinance pending and is being held up close to 3 months due to their lack of responsiveness. I just want a payoff with the correct numbers so I can pay them and move on. Can someone please help me? 

Thank you,
Consumer complaint received 2020-05-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX has been recently updated & verified as accurate on my Experian credit report. Please see attachment ; Account : XXXX XXXX XXXX XXXX is reporting inaccurately and is inconsistent. 


Account does not appear on either XXXX and XXXX inconsistent reporting. A violation of FCRA rules 1681 Account does not currently reports last date of payment a violation of FCRA rules section 1681 Account does not reports last date of activity. A violation of FCRA rules section 1681 Account does not reports accurate balance or past due balance. A violation of FCRA rules section 1681.

Account does not accurately reports creditor business address and phone number. A violation of FCRA rules section 1681.
Consumer complaint received 2024-02-02
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. (NC)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
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. (OH)

My name is XXXX XXXX and i have made several attempts to Transunion to have my identity restored due to criminals illegally reaping the benefits of using my identity. On XX/XX/2023 i sent out a dispute letter regarding my identity being stolen to Transunion credit reporting agency. During the time my identity was stolen i was serving a XXXXXXXX XXXX term in the Michigan Department Of Corrections so attached to my dispute letter was supporting documentation such as Proof Of XXXX proving that i had no access to my own identity and that the perpetrators did what they wanted and ruined my financial well being.

Transunion and creditors deleted what they felt was necessary to them. The remaining accounts and inquiries that need to be deleted from my credit report are : 1. 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 investigation was conducted pursuant to the FCRA section 611. Procedure in case of disputed accuracy.. The investigation was done in such an error that they REMOVED TWO ACCOUNTS RESULTING FROM THE IDENTITY THEFT BUT DIDN'T DELETE THE ASSOCIATED INQUIRIES.

Also Transunion and creditors failed to have damaging information blocked and removed from my credit report according to FCRA 605.B Block of information resulting from identity theft. Instead Transunion and creditors continue to make the consumer suffer having to deal with the burden, all because they make a profit from data furnishers to continue to report inaccurate and false information.

According to the Consumer Data Industry Association. Automated Data Reporting is to be done in a way that allows complete identification information to be reported with the ability to match the CORRECT consumer.
Consumer complaint received 2024-02-02
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. (NY)

I've observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Despite this, I refute your allegations and challenge you to substantiate your right to report incomplete negative information on my credit report.

In accordance with 15 U.S.C 1681e, consumer reporting agencies must employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts that is both integral and accurate. It also requires conducting reasonable investigations into consumer disputes. As per the Consumer Reporting Resource Guide ( CRRG ), adherence to XXXX XXXX compliance standards is essential for lawful reporting, and any deviation from these standards jeopardizes the integrity of the data. 

I am asserting my rights to challenge these inaccuracies and non-compliance issues. Disregarding my request would indicate a lack of concern for my consumer rights. It is unjust to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I am contesting these claims and requesting evidence of proper reporting standards.

Your actions are violating my rights, as outlined in this document. The incomplete and non-compliant nature of your reporting fails to meet the legal standards. You must certify all aspects of required FCRA/XXXX XXXX compliance truthfully, correctly, promptly, completely, and accurately. Failure to do so will compel me to escalate these issues to the CFPB, FTC, and my Attorney General. 

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
Consumer complaint received 2024-02-01
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. (OH)

I have requested and submitted multiple complaints on account and it hasnt been updated Ive contacted all agencys concerning this matter and have got Zero results! 

( XXXX ) - Account was opened fraudulently and in result account closed under my Rightful knowledge. The company has not complied to remove account from system after showing Requested documentation to the Company! I want this account deleted from my Credit report immediately.
Consumer complaint received 2024-02-01
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Despite the settlement, XXXX is reporting a charge-off and a balance of XXXX with subsequent late payments on my credit report. XXXX Reporting Agency, XXXX Information Services, TransUnion has reported debt is verified that this information is accurate and is reflected on my credit report. 
In accordance with House XXXX XXXX XXXX, all debts have been paid in full, and I believe the charge-off and late payments should not be reported on my credit file. The continued reporting of this charge-off and late payments is causing damages to my creditworthiness, and I request their removal to mitigate these adverse effects. Alternatively, I may seek damages for any harm caused. 
I kindly request that you review the details of my account and verify the payment of the said debt. If necessary, I am prepared to provide documentation supporting the settlement for less than the full balance amount. As per the regulations outlined in XXXX  XXXX, any offset debt that has been settled should not negatively impact my credit report.
Consumer complaint received 2024-02-01
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. (PA)

There is a credit account from XXXX on my credit report that was opened in XX/XX/XXXX that was not open or authorized to be opened by me. I completed a FTC identity theft report for the account above on XX/XX/XXXX