davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
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. (CA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$2500.00} Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX  : Balance : {$180.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX : Balance : {$88.00} Account Name : XXXX : Account Number : XXXX : Balance : {$920.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$830.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX : Balance : {$350.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$10000.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$11000.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$13000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX : Account Number : XXXX : Balance : {$15000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$24000.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$81.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-03
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. (CA)

Violation of 15 U.S. Code 1681s-2 : It has come to my attention that any payments during the COVID-19 pandemic are required to be deferred or forgiven. Despite this, my credit report reflects payments that were neither deferred nor forgiven, which is a clear violation of the law. 
2. Violation of 15 U.S. Code 1681 ( 4 ) : I have a right to privacy, and if I consider my payment information to be private, it must be deleted from my credit report. I hereby request the immediate deletion of all payment information from my credit report.

3. Violation of 15 U.S. Code 1681 ( a ) : Any transaction between myself and the creditors is required to be excluded from my credit report. I request the immediate exclusion of all such transactions from my credit report.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I request that XXXX XXXX remove this vehicle and all associated balances from my three credit reports, along with any accounts listed in my name. This request is due to the fraudulent alteration of the original account dates, which were changed from XXXX to XXXX for personal gain. Additionally, I want to clarify that I did not open this account and have never been in possession of this car.
Consumer complaint received 2024-09-03
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)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-03
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)

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

Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXXXXXX XXXXXXXX : XXXX 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 : States a consumer reporting agency can not furnish an account without my written consent 15 U.S.C. 1681c ( a ) ( 5 ) is a provision under the Fair Credit Reporting Act ( FCRA ) that specifies how long certain types of adverse information can be included on a consumer 's credit report. Here 's what it says : " ( 5 ) 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 ) Duty of Furnishers of Information 1 ) Prohibition ( A ) Reporting Information with Actual Knowledge of Errors 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 2016-11-02
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (OH)

I booked a hotel room online with XXXX on XXXX/XXXX/16. I went into the hotel and was told I did not have a reservation and that the hotel was booked. I called XXXX 2 times that day and could not get through because of call volume. I called Elan XXXX and was told to try again. I called XXXX on XXXX/XXXX/16 and no one answered. I called XXXX and told them. On XXXX/XXXX/16 I disputed the charge. 
On XXXX/XXXX/16 I received an email from XXXX apologizing so I thought the matter was settled.I received a letter from XXXX on XXXX/XXXX/16 telling me they were charging me back. On XXXX/XXXX/16 I sent more information to XXXX and called to verify that they had received my fax and would reopen my case. I called XXXX on XXXX/XXXX/16 and was told by XXXX at claim support that he would fax me a letter to fill out and that is why I have not seen the credit on my bill. I would receive the letter by fax or mail by the following Wednesday. I called on XXXX/XXXX/16 and talked to XXXX at claim support and she did n't know why I was told that. She was sending a note to my case worker.to reopen the case.on XXXX/XXXX/16 I called and request that they reopen my case. I talked to XXXX. I called on XXXX/XXXX/16 because the charge was still on my bill this time I was told by XXXX the Specialist supervisor that the time has expired and nothing can be done.Sorry! This is my XXXX company that I have had for years. They were not helpful at all. Clearly I would not have booked another hotel that was more expensive on the same date. I should n't be held responsibe because XXXX and XXXX made it impossible to get in touch with them.
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (AZ)

Mortgage loan # XXXX We opened a mortgage loan with USBank on XXXX 2016. It was a very long process over 90 days ... the appraiser was not knowledgeable and was being sanctioned by the state for his mistakes ; we provided supporting docs to the local branch and requested a new appraisal and appraiser ; still they did n't do anything. It took so long that the builder even issued a cure notice and we were close to loose a large down payment thank to this bank inefficiency. It was a construction loan and our downpayment was over 20 % of the appraisal value and I did n't want to include the escrow on the payment. The loan officer at the local US Bank branch XXXX XXXX told me that he checked with their construction department and based on the fact that we were doing a construction loan they were not able to waive escrow at the time of the closing but he said I could request to remove escrow after the construction switched to a regular jumbo loan, he said a year after closing- all communication with the loan officer was via email so I have this in written. We closed in XXXX 2016 and I recently called the bank to request them to remove escrow since it seems that their is an escrow shortage for taxes and my insurance company cancelled the policy due to non payment. I received a notice of cancellation letter from XXXX for my policy XXXX on XXXX. I believe US Bank is not handling the escrow account properly and I called the bank to request the escrow to be waived. I was told by the beginning of XXXX that in order to remove escrow I had to pay the escrow shortage which is far enough and I understand but they are on top requesting a 1.5 % of the unpaid principal balance to remove the taxes and insurance from the escrow and 1.25 % to remove just taxes. Today XXXX/XXXX/16 XXXX I called again and spoke to a senior rep with US Bank customer service XXXX who had that kind of an attitude " i know all '' and spoke over me a few times and she said that the escrow waiver fee was 1.25 % either if I wanted to remove taxes and insurance or just taxes ; how frustrating is to get contradicting information. I requested the first time I called in XXXX 2016 a copy of any escrow agreement I might have signed at the time of closing where I agree to pay a fee if the escrow was removed. I did not get anything and today I requested it again. Today I was told there was not such document ; again contradicting information.Any of my closing docs show anything about me agreeing too pay an escrow waiver fee to remove escrow.
Consumer complaint received 2016-12-24
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (NY)

Ally Auto Financial. My name is XXXX and I have a loan with this bank since the spring of 2014. I have paid my car without no late payments and recently they have elevated my interest rate when I sign up for a fix rate loan. I remember the original contrac stated that my amount was about {$360.00} and I always paid {$400.00} or more. I have ask them for the original contract and they keep on calling me. Just now on xmas eve calling me. I remember changing my payment date to every 30 of every month and I recently send a payment of {$260.00} and when I get pay this friday I will send a second payment before the end of the month please ask them to send me the original contact for XXXX XXXX and my ss # *********** I did a name change and my formal name was XXXX when I purchase the car. I need to see also a history of all my payments. Help me they call me every day even on weekends. I am closed to pay the loan and I have about two years left and now this company coming up with new charges
Consumer complaint received 2024-09-03
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. (PA)

This account was charged off on the following date : XX/XX/2022 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name : XXXX Account Number : XXXX
Consumer complaint received 2017-03-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

After encountering at least eight different serious problems with this credit card from Citibank -- including harassment and retaliation which included repeated unwarranted instances where my card was not accepted while I was traveling in the U.S., at places I often travel to, for small charges, such as around at {$8.00} at gas stations even after I entered my zip code, and even after I had repeatedly complained that this should not happen -- I decided to cancel my card because I refuse to do further business with a company whose behavior is either fraudulent or grossly negligent at best. I called on XX/XX/2017 to cancel my cad and went through all procedures to do so, and was unequivocally told it was closed. Then weeks later I receive another bill that included service fees and late charges for the annual fee. When I called in on XX/XX/XXXX, to a person with the XXXX, she admitted that the notes indicate the account should have been closed but was n't ; they had no explanation. I have requested call backs multiple times from someone at the executive level who could review this issue, as this is a serious issue of fraud, and of course no one ever has. I received one voicemail message that left the generic XXXX number again ( when I explicitly told them no to do and have only someone at the executive level who would leave a name if i was n't here call ) : when I called them on XX/XX/XXXX, XXXX, Maryland, said the notes did n't even indicate what the issue was, which again shows how negligent they are, I again told them I wanted someone from executive to call me and no one has.
Consumer complaint received 2016-11-03
Product: Debt collection — Medical
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Revenue Assurance Professionals LLC (GA)

XXXX ( collections department for XXXX healthcare ) Has reset the dates of my medical debt on my credit reports, in multiple cases is double reporting the debt XXXX 3 times for the same bill, and is not reporting the debt as medical.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I recently received a copy of my credit report and I noticed some late payments posted on my credit report ; Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES ; A In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly state : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) Subject to section 1681-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2017-01-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (FL)

we have a home loan mortgage from CitiMortgage since XXXX we never missed any payment. last XXXX XX/XX/XXXX CitiMortgage said somebody made a stop payment for the check we sent. nobody made a stop payment. went to XXXX XXXX XXXX and clarified and no record for stoppage and check was cash by CitiMortgage and no return check. we tried to dispute and called CitiMortgage customer service so many times but na avail. while on dispute for 4 months late charges were added and we decided to send another check payment for that XXXX plus the late charges. now we are trying to get out of CitiMortgage and refinance to other and ca n't do it because our credit report showing we missed paying our monthly morgage and our credit report is no good/messed up. would like to clear our records resolved. thanks.
Consumer complaint received 2016-07-20
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (TX)

citi bank offered me for a citi XXXX XXXX XXXX XXXX card in the month of XXXX XXXX with the following offer. 
I can purchase a phone of up to XXXX $ from XXXX store and they will refund that amount in full as long as following criteria is met 1- I spend XXXX $ in the first 3 months 2- I keep the XXXX phone in-service for at least 15 days. 
I got card and tried to use the link provided on their website to purchase the phone. The offer specifically mentioned that if the purchase is of more than {$650.00}, the company will just refund {$650.00} and not the actual amount of the phone. as I could not use the link provided, so I contacted their chat support and the representative mentioned that if the link is not working, then I should purchase the phone in store and Fax the receipt to them on fax number : XXXX. I sent the FAX to them on XXXX XXXX XXXX. I contacted their chat support after 2 days and they mentioned that the receipt of fax takes time. I waited patiently and contacted them in on XXXX XXXX XXXX when they mentioned, that they have received the fax but XXXX $ credit will take XXXX billing cycle to be credited to the account. 
I contacted them before the XXXX billing cycle which was on XXXX XXXX XXXX and they said it may take upto XXXX billing cycles. now the XXXX billing cycle is completed on XXXX XXXX XXXX and there is n't any credit back for {$650.00} to my account. 
I contacted them again today and they are saying they missed the fax as it was sent on incorrect number. and they want me to send it once again to a different number. So for the past 4 months I am just trying to settle this {$650.00}
Consumer complaint received 2024-09-02
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)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach AND THE 2024 data breach. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a car loan and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously!!!
Consumer complaint received 2016-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (ID)

Our home mortgage is with Ocwen. They were supposed to set up an escrow account for our property tax and insurance. They did not do this. We have been paying our own home insurance from the beginning. Our insurance provider has tried multiple times to coordinate with them, but to no avail. For this reason, I have been paying just the mortgage amount, no escrow. They are now demanding the escrow account be paid up, even though when I call customer service, they tell me I do not have an escrow account. I do not want to send them any escrow money, since I am paying my insurance and taxes on my own. I am unable to obtain a satisfactory answer from their customer service department. All they do is assure me they have put my question into the " system '', but there is never any clarification.
Consumer complaint received 2024-09-02
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. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-02
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Fraud Dispute Name : XXXX XXXX XXXX : XX/XX/XXXX Social Security # : XXXX To whom it may concern, Subject : Fraudulent Items on Credit Report ( Transunion ) As I reviewed my recent credit report I have discovered that there are fraudulent activity ongoing with my credit. I have fully reviewed my credit report and would like to request that the items listed below be removed pursuant to federal law. 
I am demanding that these items be removed immediately as I am providing you with my proof of identity, police report, and identity theft affidavit. I will not hesitate to file a lawsuit if these items are not removed within 30 days. 


ACCOUNTS TO BE REMOVED : XXXX CREDIT. ACCOUNT XXXX : XXXX ACCOUNT BALANCE : {$19000.00}. DATE OPENED : XX/XX/XXXX. 
XXXX XXXX XXXX  ACCOUNT # : XXXX. ACCOUNT BALANCE : {$46000.00} DATE OPENED : XX/XX/XXXX. 
XXXX XXXX ACCOUNT # : XXXX. ACCOUNT XXXX {$4000.00}. DATE OPENED XX/XX/XXXX. 
XXXX XXXX. ACCT # : XXXX. BALANCE {$3800.00}. DATE OPENED XX/XX/XXXX. 

COLLECTIONS TO BE REMOVED XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX. ACCOUNT # : XXXX. ACCOUNT BALANCE : {$420.00}. DATE OPENED : XX/XX/XXXX. 

INQUIRIES TO BE REMOVED : XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX XXXX XXXX  XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX. 
XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX. 
XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX XXXX XXXX. DATE OF INQUIRY XX/XX/XXXX. 



Sincerely, XXXX XXXX