davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-13
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. (NY)

Hello my name is XXXX XXXX XXXX and i am creating this complaint distraught because of an unauthorized late payment being reported to my credit profile. I recently pulled my credit report and i noticed a late payment ( 30 days late ) which is not possible because i am always XXXX AUTO PAY. And i also closed this account with good standing. This delinquent payment is hurting my score and dropped my score XXXX points and is hindering my report. I am trying to get a car for XXXX and this is hurting me. I have XXXX  % payment history for years before this inaccuracy. I have tried to speak to the creditor and issuer and nobody is willing to help me. Transunion keeps me on hold for hours and hang up on me. I need help. PLEASE i need help with this late payment on my report
Consumer complaint received 2024-11-13
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. (NY)

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : XXXX. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted by TransUnion. Please delete the following accounts and ANY and ALL inquires associated with the accounts. XXXX XXXX  with a balance of {$3400.00}, XXXX XXXX XXXX with a balance of {$210.00}, XXXX XXXX XXXX XXXX with a balance of {$40000.00}, XXXX XXXX XXXX with a balance of {$110.00}, XXXX XXXX with a balance of {$1200.00}, XXXX XXXX with a balance of {$2000.00}, XXXX XXXX with a balance of {$3700.00}, XXXX XXXX with a balance of {$3100.00}, XXXX XXXX with a balance of {$7000.00}, XXXX XXXX with a balance of {$3400.00}, XXXX XXXX with a balance of {$1900.00}, XXXX XXXX with a balance of {$3800.00}, XXXX XXXX with a balance of {$3800.00}, XXXX XXXX XXXX with a balance of {$7100.00}. The Hard Inquiries that are on my credit report that should also be removed, blocked, and deleted are a Hard inquiry from XXXX XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Hard inquiry from XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX  via XXXX Mortgage requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX  requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX XXXX requested on XX/XX/XXXX, Hard inquiry from XXXX XXXX requested on XX/XX/XXXX.
Consumer complaint received 2024-11-14
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. (KY)

Under the doctrine of estoppel by silence, as referenced in XXXXXXXX XXXX XXXXXXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-11-13
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. (AZ)

I did not give consent to my information which constitutes identity theft I request a report number for the information I'm sending you electronically, I am also seeking monetary compensation for the damage done to me. It caused a lot of monetary hardship on me.
Consumer complaint received 2024-11-13
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)

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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Consumer complaint received 2024-08-27
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. (AZ)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-11-13
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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-13
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. (MO)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2015-04-27
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NJ)

I applied for a construction loan from Wells Fargo. I was told that the transition from the construction loan to the conventional loan was relatively easy and straight forward as long as the home was completed within XXXX year. During the initial application process Wells Fargo kept asking for the same information and updated information since they had lost data and other data had expired due to their delays. The initial closing date kept moving out and I felt it was too late to start over with another lender. When I went to close on the construction loan the rate was 5.15 % interest only instead of the discussed 5 %. When the house was completed and I wanted to switch to a conventional fixed rate 30 year mortgage Wells Fargo delayed every step of the way. They had only XXXX people in the whole country for construction loans despite being the largest lender in this market segment. XXXX of the customer service representatives left and the remaining customer service rep was completely overwhelmed. Documents were lost and communication was absent. The delays on the Wells Fargo side triggered new demands for documents as previous documents had expired. The title and appraisal was incorrect which caused additional delays. The entire mortgage process was an unprofessional mess and costly in terms of time and money. The part that bothered me the most was that every time Wells Fargo delayed the conventional closing they made more money. The interest rate on my conventional loan was 4.625 % which included interest and principle vs 5.15 % interest only on the construction loan. Every mistake and delay caused by Wells Fargo cost me time and money while improving their profit.
Consumer complaint received 2015-04-27
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

I was a victim of fraud. Was leasing a home through XXXX. I sent a deposit of {$100.00} to the person leasing the home but the more I verified the more I realized he was a fake person. Moneygram needs to have better verification and require IDs. I lost {$100.00} to this person who listed a home on XXXX. The address is XXXX XXXX XXXX. XXXX, WA. The man claimed to be named XXXX XXXX. His phone number is XXXX. The man says he lives in XXXX and was renting out his home. But the home is not his from what I can tell.
Consumer complaint received 2024-11-13
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. (NM)

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 2015-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (MI)

Initially, I was not given the full 30 days notice for the sale of the mortgage, as required by law. 
Since then, my escrow has been miscalculated twice, changing my monthly payments significantly. The first time it took 3 months and submitting the correct paperwork 3 times to get the calculation fixed. This time, my payment is jumping from $ 850 month ( including escrow ) to over {$1200.00} to fix the miscalculation. Despite repeated assurances that Roundpoint will look into this, my calls and emails have not been returned once in 5 weeks. 
The issues are always simple math mistakes, and have personally made sure RoundPoint has received actual numbers for escrow calculation.
Consumer complaint received 2024-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

All debts placed on my credit profile all paid off company 's Continue to harass me because of the false reporting All collection shall be removed Per. 18 U.S.C 8 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code Title 18 PART I XXXX XXXX XXXX Quick search by citation : Title enter title Section section 18 U.S. Code 8 - Obligation or other security of the United States defined U.S. Code Notes prev | next obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
Consumer complaint received 2024-11-13
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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-11-13
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. (IL)

In XXXX and XXXX of this year, I reached out to Transunion regarding inquiries that were listed on my report that I did not authorize, nor did the company who accessed my report have a permissible purpose to do so. Transunion did not remove the specific inquiries that I brought to their attention and continues to report each one after my dispute. Transunion has not provided any proof of my authorization of anything and willfully neglects their responsibility to ensure that they are maintaining accuracy in reporting my credit information. Transunion is in full violation of FCRA law 604 ( a ) ( 3 ) and 15 USC 1681b.
Consumer complaint received 2024-11-13
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. (KS)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XXXX - {$2200.00}
Consumer complaint received 2024-11-13
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. (AL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-11-13
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. (AZ)

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2015-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

Previous lender ( XXXX ) offered mortgage rate reduction service for a fee % of outstanding balance with a maximum of {$1500.00}. I wanted to open my new mortgage with USAA because I liked them for banking however I would only switch if this service were offered. When I started the process of buying a new house this summer I confirmed with my USAA processor that USAA offered a similar service to that of my previous lender. Because of this I opened a loan with USAAIn XXXX of XX/XX/2014 seeing that rates dropped I contacted USAA mortgage department to reduce my rate. XXXX XXXX said that this was not a service which USAA offers but they could handle it through the loss mitigation department. I talked to several people in the loss mitigation department because I thought this was the wrong department. Every person I talked to said that loss mitigation was the correct department, even though I was not at risk of defaulting. They said I just had to fill out the paperwork and jump through the hoops and I would be able to reduce my rate. After submitting all the paperwork, on the final step of my processing, my loss mitigation processor XXXX told me that a loss mitigation was the incorrect service for my situation. He sent me to XXXX XXXX who I talked with and we decided the best solution would be for me to do a mortgage refinance and have USAA cover/offset some of the costs. I was forwarded to XXXX XXXX, of USAA Mortgage to handle this, who then sent me back to loss mitigation who then sent me back to XXXX at USAA Mortgage. Each department will not handle my rate reduction and says the other department is responsible. They will just send me back and forth with no resolution. 

This is very unethical because I was offered and purchased a service ( mortgage rate reduction for & lt ; {$1500.00} ) which USAA will now not provide. = XXXX
Consumer complaint received 2024-11-13
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)

CFPB Complaint Against XXXX Subject : Failure to Conduct a Manual Review of Dispute as Requested Use of E-Oscar System Summary of Issue : On XXXX XXXX, I filed a dispute with XXXX XXXX inaccurate information on my credit report. I explicitly requested a manual review of the disputed information due to the complexity of the inaccuracies and submitted highlighted copies of my credit report with the incorrect information clearly marked. However, XXXX processed my dispute through the E-Oscar system rather than conducting the manual review I requested, which violates my right to a proper investigation. The response I received from XXXX was unsatisfactory, vague, and did not address the specific questions I raised. 
XXXX XXXX : XXXX used the E-Oscar system to electronically send a notification of my dispute, including a summary of relevant information, to the furnisher of the disputed information. In their response, XXXX stated : THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION, AND REPORTS THE RESULTS BACK TO XXXX ELECTRONICALLY ... XXXX XXXX USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE. 
This response failed to address my specific request for a manual review, and XXXX provided a generic response about their standard procedures rather than directly answering the questions I posed.
Consumer complaint received 2024-11-13
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)

I request your support regarding the incorrect account reported on my credit file. This has affected my standing as a customer, and I need your help. I want these accounts removed, as they are inaccurately and negatively listed.