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

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that 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 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 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
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-09
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. (FL)

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX  XXXX Balance : {$4.00}, XXXX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-09-09
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. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-09
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. (MS)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2015-08-29
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One refuses to make an exact direct transfer amount from my IRA XXXX accounts to XXXX. I began the process in XXXX 2015 and since XXXX XXXX, my attempts by e-mail, letters, and telephone, in concert with XXXX meet continuous resistance from this bank.
Consumer complaint received 2024-09-10
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. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately. Its showing XXXX late payment on an account that I have paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has never been paid late. I have attached a copy of my report to this complaint on the following date, XX/XX/year>. I am kindly requesting that you investigate this account and update this payment to reflect an on-time payment. Thank you for understanding and for your prompt action.
Consumer complaint received 2024-09-09
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. (PA)

Earlier today, I was disheartened to see that unauthorized inquiries had appeared on my credit report with no explanation. I routinely check my credit report, and this is the first time Ive encountered such an issue. Despite refreshing the page several times in hopes of fixing a possible error, the inquiries remained. This has caused me significant frustration, and I would like the documents Ive provided to be examined carefully so this never happens again.
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I was receiving unemployment in the state of Nevada. They issued a debit card to me. It was good for a couple of months, but in XX/XX/2021 the account was emptied ( XXXX ). 
I called Bank of America. They made a report and said this is happening all the time right now. They cancelled the card and said they would replace XXXX provisionally ) the money while they investigate and issue a new card. The two withdrawals were from places that I have never been. I got the new card and continued to make my weekly claims via telephone. When i tried to activate the new card it said it was closed. I called BofA and they said the state froze the account. Nevada Unemployment ( DETR ) has not answered any of the phone numbers available for weeks. The phone goes straight to a message that says they are busy. I have tried everything ... BofA says Nevada is not responding to anyone and blaming BofA. They said Nevada DETR froze the accounts and that only DETR can act to solve the problem. BofA says that 75 % of all of their calls are about this problem right now and the state is doing nothing to get people their money or respond. One person said it is because the state did not want to pay for chipped cards. The old style cards can be " skimmed ''. 
Please help as the State of Nevada including the Governor 's office will not respond. I have also been told that the state representatives are threatening people that are complaining. If this is true, that is egregious!
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

On XX/XX/2018 Portfolio Recovery Associates added a derogatory mark on my credit report per XXXX XXXX, XXXX, and XXXX app. The collection has been reported as a past due balance i do not know this company, I have never done any business with this company. The debtor creditor did not verify this collection. Also there is no written form of communication contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA Portfolio Recovery Associates has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-03-15
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (CA)

My main complaint with Chase was requesting that they reverse the charges made on my account for hotel fees, since the pandemic was in effect and I didn't have stable living situation. So I first asked the insurance that they offer for consumers, and then credit customer service. It looks like their is a charge XXXX for XXXX on acct XXXX. 
And then on acct. XXXX, XXXX extended stay XXXX. XXXX. And from procedure XX/XX/XXXX XXXX. These items should be refunded because I'm with out a home. I started to actually realize that someone had gained account information when I filed for edd. My claim was mad in XXXX, and I didn't receive anything until XX/XX/XXXX. That was also around the time my phone was stolen/ broken and the chip was taken out too. I believe that who ever filed for XXXX before I did, did so b4 me. I think they used the same email, at XXXX, but I noticed that XXXX acct is case sensitive and their are emails that I cUt get because of the ph # not being accurate. So I don't even really know what email they used, but it was either gmail or XXXX. 
Sin e this began, I ave also noticed several duplicate charges made on two different acct. Or even on an acct I don't use normally. I think there might be more accounts their because I get pieces of info every so often that leads me 2 this assumption, I also see charges on thmy accounts for some reading purchases, I think, which I don't xo and I'm currently disputing XXXX because it's on every account multiple times a day and I don't go there but maybe once a day, since I do n't drive much right now and the amount is at times not making any sense. One was done on ac, XXXX, XXXX, XXXX, I actually have a gas card for XXXX too, which confuses me when I see charges from them on all other accts. 
Another charge XXXX, XX/XX/XXXX, XXXX. 
I think that it's possible a shadow acct has been made with my credit or orther accounts, but with ss #, reversed last for digits.? Chase even showed up on a bank account I have with XXXX. This was for XXXX, so why would it show up, and then dissappear? I don't usually use XXXX.
Consumer complaint received 2021-03-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (SC)

I applied for a loan through Quicken Loans in XXXX and ended up getting approved for XXXX. I found a house in midXXXX and the closing process started. I signed every document they sent my way including the contract ( I was prodded multiple times to do so over the phone despite my hours being in question ), put down {$1000.00} in earnest money, paid for a {$500.00} inspection and was about to switch my address over. At that time, I received a call from one of the underwriters who stated she couldn't approve the loan due to my hours at work. I work full-time for XXXX but we can't get scheduled XXXX hours because we would go into overtime and this seemed to be the issue. I get scheduled around 36-38 hours/week. This should have been caught during the pre-approval process and I should have never gotten that far. I asked Quicken Loans to compensate me for the money I lost paying for the inspection and they denied the request. I believe this is the very least they can do for me after going through that exhausting process.
Consumer complaint received 2024-09-09
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. (FL)

I am XXXX XXXX my identity was stolen from me it is defamation to my character on how my report is showing 4 repossessions and other listed accounts that i didn't authorized. I am requesting an removal immediately. I never opened the account and i am asking these accounts be removed from my report.
Consumer complaint received 2024-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (HI)

PMI Removal. I worked directly though my lender ( NewRez ) and paid their appraiser for a broker price opinion ( BPO ) on XX/XX/year>. The appraisal was performed on XX/XX/year>. XXXX says LTV is at 76 % meeting the required guidelines. Lender refuses to drop the PMI. 

Requests to Cancel PMI have been filed on XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. 
Lender agrees with XXXX passement and LTV but NO one I can reach has the ability to fix this and remove the PMI.

I have been following up with the Lender and keep getting the run around with no accountability or means for follow-up.

Please help
Consumer complaint received 2021-03-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I submitted a complaint against Lakeview Loan Servicing on XX/XX/2021. I just reviewed your status report that stated the matter was closed because the " company responded ''. However, the company has not responded to me nor have you provided anything concerning the matter. Please reinstate this complaint until the company responds to the consumer and satisfies the consumer demands. Thank you, XXXX XXXX
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC (NJ)

Hello, ( My name XXXX XXXX and I paid my mortgage on time. I've been paying my principal and interest, {$2500.00}, every month, for 9 years. I paid my escrow separately, on time, and I don't have any pending payments. My bank doesn't give out transmittal forms because I pay online, thus I have Bill Pay. I have been extremely inconvenienced since you made the switch in my neighborhood. You even had foreclosure notices sent. I have been going back and forth with your customer service for many months now so please for the love of XXXX, figure things out on your end because I can not endure this any longer. My mortgage payment ( principal and interest ) details are below. ) I sent a letter to loan care regarding this matter earlier. But no action is taken and still, this issue is persisting and which already affected my credit score.I started this mortgage ten years, I don't have any past due. I have evidence for all past payments. Please consider this matter and solve this problem. 
Thank you, Sincerely XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX NJ XXXX
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OR)

I was asked to call 'Amazon XXXX after I could not access my XXXX account from my attempt to sign on. The number I was told to call was : XXXX. 

I was asked to transfer {$2000.00} via XXXX at Chase to close down 'fraud ' that appeared to be happening in my checking accounts. I realized it was a scam after I scheduled the transaction. I called Chase within 30 minutes and was told since I authorized it, there was nothing they could do. No recovery was possible. I had phone and date information on the scammer but they were not interested in that. I was told I have no recourse but to lose the {$2000.00}. 

The person I was speaking with called from : XXXX. They asked me to download the app : XXXX XXXX Support. They asked me to sign on to my bank account and they could see my balances. They gave explicit directions in what to do to eliminate the 'potential fraud. ' I reported the fraud to the Federal Trade commission. And I changed User names and passwords for all my financial accounts.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Consumer complaint received 2024-09-09
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. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes 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. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/year> my son and his friends stole my debit cards and deposited XXXX $ and another XXXX $ on XXXX  XXXX  and on XX/XX/year> spent XXXX $ at XXXX and another deposit of XXXX $
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I previously sent four dispute letters disputing unverified accounts on my credit report with XXXX  and Experian. The accounts I'm disputing were with XXXX  XXXX and XXXX XXXX XXXX XXXX. I have sent Experian and XXXX  dispute letters and response letters from XXXX XXXX XXXX XXXX and XXXX XXXX, stating that they can not verify the accounts that these two credit bureaus are saying that they verified. Experian and XXXX  needs to delete these accounts because I have letters from these companies stating that they can not verify accounts that the credit bureau say I have with them
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 I submitted a dispute to Equifax. It is now XX/XX/2021 and the investigation has not been completed. This investigation has taken longer than 30 days. Equifax is now in violation of the FCRA.