davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
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. (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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 section 2 A. 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 a may make any consumer report containing any of the following items of information any other adverse item of information, other than records other than records of convictions of crimes which antedates the report by mored then 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 2024-10-14
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. (MD)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XXXX. In XX/XX/XXXX, I cancelled my credit card no. ending XXXX  due to theft. A new card was issued, ending XXXX. 
XXXX. On XX/XX/XXXX I reported to BofA that I detected a pending fraudulent transaction of {$350.00} to Grubhub.com on the new card. It would not have been possible for me to process that transaction, since I had not yet received the card and did not know its number. BofA said they would open a claim. I did not hear back from them. 
XXXX. On XX/XX/XXXX, BofA posted the fraudulent transaction into my statement and on XX/XX/XXXXXXXX  it was drawn from my bank account ( as part of auto-payment ). I again contacted BofA ( XXXX XXXX and this call took one hour of my time. Again I was promised this would be taken care of. I also requested that the card be cancelled and the account closed. 
XXXX. On XX/XX/XXXX BofA issued two letters, one that it had applied the amount of {$350.00} to my account and another that it had closed my account. 
XXXX. On XX/XX/XXXXXXXX XXXX XXXX  BofA notified me that it had credited my bank account for only # XXXX, deducting {$25.00} " because your account would have been past due or over the credit limit and you would have accrued fees and interest charges ''. 
XXXX. On XX/XX/XXXX, I mailed BofA a letter demanding they return to me the {$25.00} they incorrectly withheld. 
XXXX. In the XX/XX/XXXX online statement and for each month thereafter, BofA sent me emails that my Statement balance is {$320.00} and NOT due for payment. I only have seen these emails after the most recent event that happened last week. 
XXXX. Last week on XX/XX/XXXX, BofA withdrew {$320.00} from my checking account. 
XXXX. Today, I called BofA to settle the matter. The first agent kept me on the line for 40 minutes and then handed me to claims. Claims kept me on the line for another 20 minutes and did not submit my claim. I was told that they did see the original dispute and that it was submitted as " duplicate transaction '' rather than " Fraudulent transaction ''. I had to end the hour long call to get back to work. I do not believe BofA will resolve my issue. I have also contacted my Bank to dispute the transaction.

In summary, Bank of America has not straightforwardly and honestly dealt with a fraudulent transaction reported to them. They initially refunded me most of the funds and then- without authorization - pulled them back a year later. I fear that in the future they may access my bank account again and post any amount they wish, to it.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

**Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Complaint Against TransUnion for Refusal to Accept Identity Theft Affidavit and Incorrect Reporting Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for their refusal to accept my identity theft affidavit and their continued reporting of incorrect information on my credit report. 

I submitted an identity theft affidavit, which I obtained from the Federal Trade Commission ( FTC ) website, to TransUnion. This affidavit was provided alongside additional supporting documentation to demonstrate that the information in question on my credit report was the result of identity theft. 

Despite my efforts, TransUnion has refused to accept the affidavit, claiming it is invalid. This refusal is both troubling and unjustified, as the affidavit is a standard document issued by the FTC and should be widely accepted as proof of identity theft. Moreover, TransUnion continues to report incorrect information on my credit report, which is causing significant harm to my credit standing and overall financial wellbeing. 

I have tried to resolve this matter directly with TransUnion, but they have been uncooperative. I believe this refusal violates my rights under the Fair Credit Reporting Act ( FCRA ), and I am seeking your assistance in addressing this issue. 

I respectfully request that the CFPB intervene in this matter to ensure that TransUnion : XXXX. Accepts the FTC identity theft affidavit as valid documentation. 
XXXX. Corrects the inaccurate information on my credit report in a timely manner. 
XXXX. Provides a clear explanation for their refusal to accept the affidavit. 

Please find attached copies of my correspondence with TransUnion, the FTC identity theft affidavit, and any other relevant documentation. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Consumer complaint received 2024-08-30
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)

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

XXXX 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 : 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 2024-10-14
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. (FL)

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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

According to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), the term " consumer report '' explicitly excludes any report that contains information solely about transactions or experiences between the consumer ( myself ) and the person or company making the report. This legal provision implies that the specific details of our direct transactions, such as payments, account activities, or any similar experiences, should not be reported to credit reporting agencies as part of a " consumer report. '' However, it has come to my attention that such information has been included in my credit report. This inclusion appears to contradict the exclusion specified by the FCRA, which could lead to inaccuracies and potential harm to my credit profile.
Consumer complaint received 2016-09-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ray Klein, Inc. (FL)

PROFESSIONAL CREDIT ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX, OR XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PROFESSIONAL CREDIT or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PROFESSIONAL CREDIT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2015-10-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

Six years ago due to financial difficulty we had to file personal bankruptcy. A repayment plan was established by the court, and we made monthly payments to the Trustee as required. At the same time, we stayed current with our monthly mortgage payments, which were made directly to the bank, and not as part of our payment to the Trustee. 
We completed bankruptcy 8 months ago, and had advised our mortgage holder of this repeatedly, requesting to be removed out of the bankruptcy department in order to receive regular statements reflecting payment due, mortgage payment breakdown in interest and principal, principal balance etc..We were deprived of this information while in bankruptcy having been told we would not receive any statements, as this was a customary bankruptcy procedure from the bank. Upon completion of the bankruptcy program, and with formal discharge from the Trustee, we tried to get out account reinstated to " regular '' statements, but were put off for months by the bank with excuses, such as " we have to confirm it ourselves '', " it should take 2 more weeks '', " we have to escalate it, we do n't know what 's taking so long, we have received all the necessary forms, its just a matter of getting the loan processors to update your account and release your account form bankruptcy '', " your account has to be updated, you made some extra payments which are held in a different account, and the loan processor has to apply them to your principal balance, we are escalating this matter again '' ETC ... .After 8 months we finally were taken out of bankruptcy and received our first " regular '' statement, but upon reviewing it, we found a complete mess..The payments we made were only partially applied to interest and principal balances, some of the funds having vanished without any credit/posting to the account. Also there are additional untitled fees that the representatives have no explanation for. 
Having been 'reinstated '', and out of bankruptcy, at least our latest payment should have been distributed into principal and interest, and clearly reflected/posted to our account. But out of a payment of {$1000.00} only {$980.00} distributed to principal and interest, the rest having vanished without explanation or understanding from even their representatives. The only assurance I got from them is " we will escalate this matter, and get an explanation as to what is happening with your payments, but your account is Current at this time ''. However many of these issues have been going on for months now, without any resolution and at this point we have lost confidence in their ability to correctly and ethically service our mortgage loan.
Consumer complaint received 2016-01-21
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (WA)

I purchased a house in XXXX in New Mexico, through XXXX. The first loan was for $ XXXX, a secondary loan for $ XXXX. The XXXX loans were then sold to XXXX, then sold to XXXX XXXX XXXX, then to Green Tree Servicing LLC -- XXXX institutions in 4 years. By XXXX, when the mortgage payments kept going up, we lived on our credit cards and loans from family members in order to keep afloat. My XXXX children and I could no longer continue like this. I contacted XXXX XXXX XXXX and Green Tree to notify them we would n't be able to continue making payments. I then contacted Realtors attempting to place the house with them to cover the mortgage. I was told the large house would n't move for months. My children and I moved to more affordable housing out of state. We left the house in pristine condition : cleaned throughout, new paint in the guest house, septic system cleaned, termite inspection conducted, another refrigerator in the garage, and turned the house keys over to a neighbor so the house could be inspected -- in other words, all done in good faith. I tried working with Green Tree Servicing to have them handle the sale of the house, but was told by XXXX of their departments that I was 'an absentee landlord ' who only wanted to capitalize on this empty house and profit from being an absentee landlord. With a Realtor in NM, I tried short-selling the house so it would n't go into foreclosure/sheriff 's sale, had several potential buyers, but Green Tree refused to consider the offers. After that, a sheriff 's sale was speedily arranged, and took place in XXXX XXXX with Green Tree Servicing selling the property to itself for $ XXXX. I was hounded by Green Tree for the whole loan itself, when I had been paying $ XXXX on the $ XXXX, and $ XXXX on the $ XXXX for 49 months. Strangely enough, little of those mortgage monies were ever credited to the loans. The $ XXXX was charged off and I was sent a form showing that I 'earned ' close to $ XXXX. My math indicates $ XXXX. Now Green Tree Servicing has sold the ' $ XXXX ' ( should be $ XXXX ) to another financial company : Ditech Financial LLC XXXX which is notifying me that I owe {$48000.00}. XXXX for these financial institutions. My family and I are still scrambling to recover from this financial disaster. The banks/financial organizations are still selling this paper to XXXX another and making money on it.
Consumer complaint received 2024-10-14
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)

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXXXXXX account ( XXXX XXXX XXXX account number XXXX )
Consumer complaint received 2015-05-27
Product: Credit card — 
Issue: Sale of account — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX my Chase/XXXX credit card, open since XX/XX/XXXX, was transferred to XXXX, along with my specified {$13000.00} credit limit I worked to maintain. 
When applying for a new Chase card I was denied retaining my {$13000.00} credit limit even with a FICO score of XXXX, I guess because it transferred too, without notice to me and without my permission. I have always paid in full at the end of every month and have never been late so my record is remarkable. 
I do not plan to use a XXXX credit card at all or ever. 
I want restoration of my {$13000.00} credit limit to a Chase bank credit card, without XXXX, and with no penalty to my credit score or my credit standing. 
I have good reason to believe that XXXX is disclosing my personal information without them requesting proper identification from a phone caller or identifying themselves. 
This is most unfortunate and causes me personal identity concern and I feel I am " caught in the web '' of this transfer, XXXX divesting or whatever they choose to call it. The only notices have come from Chase, which has shown consideration, and nothing from either XXXX or XXXX at all.
Consumer complaint received 2016-05-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I 've filed XXXX previous complainsts againt bank of America in the past 30 days. bank of America has just placed a negative rating on my credit file. bank of America NEVER sent a change of my mortgage payment to me. Instead bank of America kept sending me letter that the mortgage was late. I called bank of America and spike to XXXX in which he verified they received my payment of {$800.00}. XXXX NEVER discussed anything with me further. 
After I received a certified letter from bank of America I called them again. I was then told there was a change in my mortgage payment. I told the rep why was n't I told when I called previously. She had no answer. I also told the rep instead of the bank sending my a certified letter stating my mortgage was delinquent, why did n't someone call me to let me know my mortgage payment changed and they needed more money!. Bank of America KEPT my mortgage payment that was made of {$800.00} and NEVER applied it. This is very poor business and there mistake is showing negative on my credit!!!!!
Consumer complaint received 2015-11-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

Applied and approved for loan in XX/XX/XXXX at State Employee Credit Union.Order credit report and notice information was not being reported to all credit reporting bureau.I understand that creditor do not have to report to all but if a consumer has positive information that can be reported it should.Not all creditor look at XXXX credit bureau to make offers for credit.The FCRA has a statement in it that information in consumer report should the maximum level of accuracy and if the Credit Union only reports information to XXXX ( XXXX ) bureau than I don '' t have that maximum level of accuracy
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently I've checked my credit report and have found I have been a victim of identity theft. there is an account i have had no previous knowledge of. heres what I've found, Account : XXXX XXXX # XXXX, XXXX XXXX # XXXX Please remove these fraudulent accounts/ inquiries from my credit report. Also Ive attached my identity theft report.