davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Seterus, Inc. (NJ)

I have been consistently given false and misleading information/instructions from Seterus regarding my attempt at a loan modification over the past several months which has resulted in a potential foreclosure of my home, escalating late fees and severe emotional distress. I have literally spent the equivalent of DAYS on the phone with countless Seterus representatives. I need to waste time explaining the facts to them over and over while also being asked to submit the same documentation over and over again. Most recently, I followed the exact advice received from a Seterus representative on submitting my divorce decree as part of my modification packet. Following 8 months of review and further mistakes in handling of the documents by Seterus, I was informed by one of their supervisors that I should not have listened to their representatives 8 months previousand that the same documentation was required that I was told would not be required. Their pattern of blatant misrepresentation has caused me to lose sleep on most nights as I worry about whether I can stay in my home. I made all necessary trial payments for the modification and only waited to sign/execute the final papers last week when I learned of the newest swerve from Seterus. There is a foreclosure sale date of XXXX XXXX, 2016 and I am seeking immediate resolution in the form of the modification agreement that was originally agreed to. I have never formally complained about a company before in my entire life but I feel compelled to say that Seterus has by far the worst customer service I have ever experienced. They are either just inept or fraudulently malicious and I am shocked that regulators continue to allow them to be in business given the sheer number of others who obviously have had similar experiences.
Consumer complaint received 2024-11-10
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 have a unauthorized and fraudulent account named XXXX XXXX XXXX  on my credit report and after disputing it multiple times with Transunion and making them aware of it being unauthorized Transunion continues to report this account on my credit report forcing me to be denied housing and also blocking my right to have a fair credit report with only accurate information
Consumer complaint received 2024-11-10
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. (TN)

On XX/XX/year>, I received a notification from XXXX stating that there was an inquiry on my report from XXXX XXXX. I immediately called them, and they did what they could on their end. They provided me with transaction information so I could report it as fraud. Both companies placed a freeze on my account, and I will be notified of any fraudulent activity moving forward. However, since the inquiry is still showing on my report, I was advised to take certain steps to have it removed.
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/year>, I requested a freeze and fraud alerts to be placed on my credit file due to potential identity theft. However, as of XX/XX/year>, I decided to remove all security measures, including locks, freezes, and fraud alerts, to allow access to my credit information. 

On XX/XX/year>, I contacted each major credit bureauXXXX, XXXX, and TransUnionto formally request the removal of these security measures. Despite my request, the measures have not been removed, and the process has been delayed without clear communication from the companies involved. 

In response, I have called customer service, sent follow-up letters, and submitted online requests to address the issue. 

I am seeking assistance to ensure that these security measures are fully removed from my credit files so that authorized parties can access my credit information without restriction. 

Thank you for your attention to this matter, and I appreciate your prompt assistance in resolving it.
Consumer complaint received 2024-11-09
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. (NH)

On [ XX/XX/year> ], ( CFPB Complaint # XXXX, XXXX, and XXXX ). I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid identity theft affidavit, to prompt a complete and thorough investigation. However, in response, your agency has simply stated that the accounts in question were " verified '' without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611. FCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. 

Specifically, I demand that you : 1. Provide the source of information used to verify the accounts in dispute - this includes identifying the furnishers or third-party entities contacted during your verification process, as required by law. 

XXXX. Confirm whether your agency contacted the Federal Trade Commission ( FTC ) regarding the identity theft affidavit submitted- this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested items.
Consumer complaint received 2024-11-10
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)

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 my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2024-11-10
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 reviewed my consumer reports and noticed that I had XXXX to XXXX late payments on XXXX accounts that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates XXXX XXXX XXXX  Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshots attached and or pdf.
Consumer complaint received 2024-11-10
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. (SC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-11-10
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)

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. I am respectfully requesting a validation and method validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. Account : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. These item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record.
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I spoke with a XXXX representative yesterday and asked her to fix my birthday, remove all old addresses and phones numbers, remove a hard inquiry that I did not request and could have not requested because I was XXXX  at the time. 

The inquiry is from XXXX on XX/XX/year>. I was XXXX  from XXXX. She switched my present address with my former address. Now I have the incorrect address on file. I filed XXXX disputes XXXX for the incorrect birthday. I believe the other was to remove all my prior addresses and phone numbers. 

I also asked them to remove an alias name that I have never used before that was incorrect and she told me to contact the merchant that put it on there. They denied both of my disputes even though I uploaded my state ID with my current address as well as my birthday.
Consumer complaint received 2024-11-10
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was applying for a loan and when I applied I got a adverse action saying my credit score is XXXX which is very puzzling to me because under XXXX XXXX it's XXXX, also under XXXX XXXX ( Which is TransUnion ) also says XXXX. There are certain things I applied for that I should get approved for with the score I think I have but if they are showing a different score somewhere else that is very frustrating. If that's the case who else are they showing different scores too? I will attach scores that I see through to different areas. And I will attach adverse action which down the page a little shows a completely different score
Consumer complaint received 2024-11-10
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. (GA)

I am writing to formally dispute the accuracy of a charged-off account that appears on my credit report. The details of this account are as follows : Creditor : XXXX XXXX  Account Number : XXXX Account Type : Revolving account ( Credit Card ) Bureau Code : Individual account Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/year> Balance : {$8400.00} Under Section 611 of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that may be inaccurate, incomplete, or unverifiable. I am requesting that you conduct a thorough investigation of this account with XXXX XXXX  to verify its accuracy. If this account can not be fully verified with all required supporting documentation, please remove it from my credit report immediately.
Consumer complaint received 2024-11-10
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. (TX)

I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.
Consumer complaint received 2024-11-09
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. (GA)

I have formally requested, via certified mail on three occasions, that TransUnion verify the fraudulent accounts appearing on my credit report. I included supporting documentation demonstrating my long-standing experience with fraud on my credit profile. Despite these efforts, TransUnion has repeatedly claimed that the accounts have been verified as mine. However, they have not provided any information regarding the methods or documentation used in their verification process.
Consumer complaint received 2024-11-09
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am not liable for this debt with XXXX XXXX I do not have a contract with XXXX XXXX XXXX. I was never provided with any contacts as requested
Consumer complaint received 2024-11-10
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. (GA)

Under 15 U.S. Code 1681c2, consumer reporting agencies are required to block information in a consumer 's file if the consumer identifies it as related to identity theft. I am requesting that the fraudulent account associated with account number XXXX, reported by XXXX XXXX XXXX for XXXX XXXX XXXX, be immediately blocked from my credit report. I have never applied for, authorized, or otherwise engaged in any transaction related to this account or residence. I have continuously resided at my current address for the past nine years, with no association to XXXX XXXX XXXX or XXXX XXXX XXXX.
Consumer complaint received 2016-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

For years, I 've been trying to get XXXX/Navient to reduce the interest rate I was paying on my school-related student loans based on my XXXX XXXX military status. For years they refused. Finally, when they were forced to reduce my interest rate they credited my account for several thousand dollars based on the overpayments I made for their usurious interest rates over and above Service members Credit Relief Act limits. They also issued me a tax form, claiming that I had the amount credited toward my student loans by Navient as income. Since that money was overpaid I do not see how that counts as income. Please advise. Thank you.
Consumer complaint received 2024-11-10
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have written dispute letters and have not received any responses. Many errors on my report
Consumer complaint received 2017-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (CT)

I have an account open with Discover. Sinc e 2014  my account has been in good standing. I reached out to Discover to request my account be reviewed for a reduced interest rate. My current interest rate is 23.74 %. After 3 years of on time payment I was looking to reduce my rate to pay off my account faster. Much to my surprise  Discover  would only offer 0 % for 12 months, then reverting to 23.74 %, or 18.99 % to be applied to all future purchases, effectively not at all helping with the issue of my current balance interest rate. My intentions are to pay off my card so I may look at financing a home, however with Discover 's policy to not change interest rates on current balance, even after proven good standing. is completely immoral and anti-consumer.
Consumer complaint received 2016-07-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (NJ)

UPDATED VERSION - Please use this instead of Case number : XXXX PNC Bank Small Business Account customer goes into the negatives. Instead of notifying the customer and waiting for the customer to pay, the bank sends a vague email notice ( without specification of amount ) that the account is overdrawn the day after the overdraft occurs. An overdraft fee is charged. The next day an email clarifies the amount of overdraft and indicates a fee has been charged. An XXXX overdraft fee is charged. For the following two business days overdraft fees continue to be charged for the SAME overdraft. This is ridiculous. The bank does not give notice to the small business owner and the bank continues to charge fees without notice of subsequent fees. The icing on the cake is that said PNC Bank Small Business Account Holder is NOT enrolled for Overdraft Services, although, PNC appears to charge said Account Holder as such. Instead of returning the item unpaid ( a mere {$12.00} fee, see p. XXXX PNC Service Charges attachment ), PNC can make an extra {$24.00} per charge if they charge us an overdraft fee at {$36.00} ( which we are not enrolled in ). This is a clear UDAAP concern. 

I would like to see a public enforcement action against PNC for these practices. Some of the results I would like to see from this enforcement action against PNC include : public apology and acknowledgement of unfair, deceptive, abusive acts and practices against small business owners ; donation to the SBA ( Small Business Administration ) for the purposes of educating small business owners on how to manage finances while managing a business with little help ; and free financial education seminars in all states where PNC operates. 

This is the fourth or fifth time that we have had experience with PNC and it needs to stop. To make this worse, one of the members of this XXXX is a Servicemember. CFPB - please pursue a public enforcement action against PNC so they can get their act together. Thanks.
Consumer complaint received 2015-04-03
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Rubin & Yates, LLC (MI)

I 'm not sure which above complaint to file under. I 'm getting calls from a company named Ruben & Yates trying to collect a loan for a company called XXXX. the persons name is XXXX XXXX and he states i took out a loan and owe {$1100.00}. He stated that they 've sent me letters but going through my records I bave no letters from them. I have no information to contact them from besides a phone number. I reqquested him to remove XXXX phone numbers that I ca n't be reached at and also requested to be sent a copy by email and mail of what the debt is and what it pertains to. When I requested to have those things he got upset and hung up on me.