davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-20
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. (IL)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-11-20
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (KY)

In XX/XX/2023, I received notification that I was late on a payment which is impossible because I have bill pay through my bank XXXX in the amount of {$1300.00} which was the required amount monthly. They received that amount and did not apply it to my mortgage and instead reported to my credit that I was 30 days late when they had the money in escrow to pay. Spoke with the representatives, & was told that there was an analysis done which resulted in the increase unbeknownst to me. I asked for some grace, seeing that I wasn't notified due to the fact that I am a Service Member who was not home due to the demands of my occupation. They said no. The balance was paid and I was told that my new mortgage payment would now be {$1400.00}. Bill pay in that amount was established and the payments were made. Fast forward to XX/XX/2023, I receive. notification that Carrington once again has reported that I am late, 30 days. As of XXXX, they have been receiving payments in the amount of {$1400.00}, Plus on XX/XX/XXXX, I made a payment in the amount of {$1500.00} per the conversation I had with the representative saying what was due. However, these people still reported my account as being 30 days past due when they had the money and their representative advised me that the new amount that would be due is $ XXXX monthly which is what they receive. Called today XX/XX/XXXX, and was told that they've yet again conducted an escrow analysis which is the second one in a calendar year explaining the increase. And again I was not informed by anyone on their staff. Instead, the representative offered no assistance but insisted that I make the payment today and sign up for bill automatic payments with their bank.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (CA)

I have had a consumer report background check made by Sterling. report number XXXX Candidate code : XXXX It shows a XXXX XXXX. Going back the past seven years and I would like to know where they got this information. They had run back. Background of the previous year. I had disputed it with sterling, and they removed it last year. They had removed it from the report. 
I had communicated with XXXX XXXX the report number was XXXX I don't know if they are sending the Companies that order the reports different reports than they send to the candidate. if so, can they give me an answer? 
I would like them to show me how they verify this XXXX XXXX 
They state that their verification method was through name, date of birth, and government ID. 
However, I've tried to search for this information myself at the. 
Courthouse, and they stated that there is nothing that they had given anyone that matched my ID identification. 
They do not provide such information any government identification is redacted from all records. 
So if they are reporting based on government identification, how is this possible? 
That information is redacted and sealed. Are they getting this information from a cached database? And aged data furniture that is. That is providing them with this information. 
Also if someone pays fines and closes a case And do they age re-age? Records and their consumer background checks by the source of when cases are closed or when they are started. 

Also, if a record has been sealed, does sterling report it anyways
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America continues to ignore their feduciary responsibility regarding a charge back issue and a fraud claim that was made months ago. Without my benefits being available to me I've XXXX my place to XXXX And continue to struggle waiting for the Ridiculous game of Passion the buck between Bank of America and the XXXX to discontinue. The CFP should recognize the violation of banking rights and sanction Bank of America for violations They are currently being sued for in class actions throughout the US. By displaying the XXXX XXXX Bank of America and itself guarantees the 24 hour release of funds regarding fraud account added accounts and availability those funds to continue the necessary lifestyle the benefits offer Both my credit and personal belongings to been affected and it's my opinion that Bank of America should be sued once again for compensatory damages.
Consumer complaint received 2022-06-26
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. (FL)

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is not negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations
Consumer complaint received 2022-08-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called at the beginning of XXXX and spoke with a representative who guaranteed me that if I made a payment in full they would cut my payment in half for the six months following. I made the payment in full on XX/XX/XXXX, a couple days after my conversation with Capital One Auto Finance. When my account was billed for the next month, the program had not been applied to my account. I called and talked to a representative in XXXX, and she said my claim wasn't possible. I asked for a supervisor call back, which didn't happen. I called back in XXXX and requested again a supervisor call back. I called back a second time in XXXX and was told it had been assigned to a supervisor that I should hang tight. I spoke with a supervisor on XX/XX/XXXX, who I asked to listen to the call from the start of XXXX and to confirm I was guaranteed by that program that would lesson my payments by half for 6 months. She called me back on XX/XX/XXXX, confirmed that the representative had guaranteed me that program, but that Capital One Auto Fianance was not going to honor that guarantee. She told me she was calling me from the Office of the President, and that there was no one above her. She declared that she would not provide me any documentation in writing, which I asked to include a confirmation that they guaranteed me a program they were no longer willing to offer even though I met the stipulation, which was to make one full payment. She said it is against their policy to provide anything in writing and the only way I could access the previous call was to get a lawyer and a subpoena. The supervisor said she would discuss my " options '' with their lawyers and leadership staff, but the guarantee I was given would not be honored.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2022-08-13
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. (CA)

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identiy theft. In pursuant of the FCRA section 605b I am in need of the removal of the following fraudulent items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX
Consumer complaint received 2024-09-13
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I received a call on Friday XX/XX/XXXX from an unknown number claiming to be XXXX XXXX Account Services. Because of our financial delinquency currently I fell for the request. 
Two nights previously our cable was shut off for late pay. I was under pressure financially. 
The caller claimed we were on a list for disconnect that day if the previous balance was not paid directly. I brought up my XXXX Account online and saw the balance they referred to was identical to my overdue balance. Not sure where they got these detail. 

They showed later on the caller ID as a XXXX phone number. 

Bottom line is they claimed that if I did not pay directly to that office that my disconnect had been dispatched and that department is the only one that can see the payment and then cancel the disconnect. If I paid on my XXXX online account they claimed it would not go through in time to avoid disconnect on a Friday. 

They wanted to know if I could XXXX the balance to XXXX XXXX - mobile immediately. 

I knew I had Bank of America partially owned XXXX on my BOA app and thought I was protected if I made the transaction through my bank. I was blinded by fear in the process and just wanted to avoid disconnect. 

I made 4 XXXX transactions, 3 cleared before BOA stopped a fourth. The total fraud was for {$890.00} wiping out my weeks budget for other bills. I called Bank of America when my wife got out of work and stated that it ma have been a scam. Bank of America started a case but told me that XXXX is an outside entity that is like transacting in cash and they had no protection against fraudulent activities drawn against my checking account through XXXX within my Bank of America webpage. I was stunned. I am out the money, still owe the bill and have no funds to pay properly. 

How can Bank of America not protect a consumers money on a transaction that was done on their website through a corporate partially owned entity like XXXX? This is really bad when our money is not protected on our banking apps.
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (TX)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under -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 2023-07-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Gotmortgage.com (FL)

In XXXX of XXXX, we entered into a construction loan agreement with XXXX, utilizing one of their approved builders for the construction of our home. The loan contract explicitly stipulated that the builder was responsible for obtaining permits within 45 days from the commencement of the first loan draw. Despite this provision, XXXX XXXX failed to secure the necessary permits within the specified timeframe. 

We made multiple attempts to address this issue by reaching out to XXXX, specifically contacting our loan XXXX XXXX XXXX, who provided reassurances on several occasions that there was no cause for concern. However, as months passed, our concerns grew, and we continued to communicate our apprehensions to XXXX through XXXX XXXX and XXXX XXXX. 

Regrettably, in XXXX of XXXX, XXXX contacted us, through XXXX XXXX, expressing their intention to recall our loan due to the absence of progress in the construction process. Furthermore, they refused to extend the loan, leaving us with the option to find alternative builders and refinance the amount of {$150000.00}, which they claimed we owed, despite the fact that we have no house and they pay a balance of approximately XXXX XXXX dollars for the lot. 

We diligently proceeded to identify a new builder and promptly submitted all the necessary documentation requested by XXXX to initiate the refinancing process. Despite their repeated assurances that the refinancing could be achieved, we informed them that XXXX other banks had already indicated that such a refinancing arrangement was not feasible due to our debt-to-income ratio. Remarkably, XXXX has set a foreclosure procedure commencement date of XX/XX/XXXX on our property. We have consistently requested an extension of this deadline, affording us the opportunity to sell our property. Unfortunately, our appeals for an extension have been denied without any explanation provided. 

As a direct result of these inexcusable delays and XXXX 's handling of our case, we have experienced significant financial harm that will get worse when the foreclosure procedures start. 

I will gladly provide communications and contracts regarding our case at your request.
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under XXXX15 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.