davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
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 was absolutely stunned to see incorrect accounts appear on my credit report today. I check my credit regularly, and everything was fine before, but suddenly, there were discrepancies that I cant explain. I even refreshed my browser, hoping it was an error, but the accounts didnt go away. Im really upset about this and ask that my documents be reviewed properly so I wont have to worry about this happening again.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-09-27
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. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-27
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. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-09-27
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

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

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

For a few years now my mother and sisters have taken money that was in my name by forging my name and have even forced me to sign legal documents and today they continue to live off of my money. Over the years they have stolen and if I try to talk to them about money they deny all of it. They bank with Capital One Bank in XXXX, Louisiana and they have other bank accounts they have used as well. I spoke to Capital One in XXXX a few times over the years and they don't help. Can someone please investigate their bank records over the last 20-25 years? I know they all live outside of their means and have my money. my mother was fired from the local hospital about 17 years ago but says the money she has is from retirement but it's not. She lives comfortably. I asked the XXXX police for help but when I file a report they won't call me back or give me a copy of the report. This is a small town and lots of fraud happens here. 
My mother name is XXXX XXXX XXXX, my sister 's name 's are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE investigate this by looking into their accounts. I don't want them to know I reported it because I am now living with my mother and don't want them confronting me. 
Please call me or email me. 


Thank You, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-12
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: Shellpoint Partners, LLC (CA)

I originally opened a mortgage account with XXXX XXXX XXXX XXXX Made my first payment to " XXXX XXXX XXXX XXXX XXXX by check. I was monitoring my bank account every day to make sure the check came through. Two weeks passed by, and nothing happened on account. When I got hold of XXXX XXXX XXXX XXXX, they said your loan was resold to NEWREZ-Shellpoint and the check was endorsed by XXXX XXXX XXXX XXXX and sent to NEWREZ-Shellpoint. The first payment finally cleared through. Since then, I started to make payments to XXXX on time, every month. Approximately around early XXXX I get notice from XXXX XXXX that my credit score went down XXXX points because I am 30 -60 days late on my mortgage. NEWREZ-Shellpoint is not reporting my payments to credit bureau XXXX I have a copy of all cleared payments of my bank as a proof that everything was paid on-time. NEWREZ-Shellpoint is violating a law. According to FCRA they are violating these laws : 15 U.S.C. 1681 : Governs access to consumer credit report records and promotes accuracy, fairness, and privacy 15 U.S.C. 1679c : A disclosure law
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
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: EQUIFAX, INC. (IL)

In XX/XX/year>, I filed a bankruptcy. XXXX XXXX and XXXX have both updated their accounts with my Bankruptcy. Equifax, however, has not they still keep reporting me late on all of my bills. They still saying that Im delinquent on everything they still show I havent paid my bills. I called them on three different occasions they asked me to send in my proof of bankruptcy as well as copies of my Social Security card my drivers license and a statement I have done this three times Ive called after each time and they said they never received it. I asked if I can provide something that someone can sign so I know that they do receive it and they dont have anything because they work off of a XXXX XXXX this is getting ridiculous. I cant apply for any other loans to build my credit back up because I keep getting denied because all of my bills are showing delinquent because people run through Equifax. I am not sure what else to do. I provided them everything that they have asked for every time I call I wait on hold for over an hour until I finally get someone and they tell me they dont have my documents. Please help me get this resolved.
Consumer complaint received 2024-10-10
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Of all my XXXX CDs with the bank, so far I only received XXXX '1099 ' in the mail ( for XXXX  ). I was able to download XXXX '1099 's online including the one I received in the mail. This morning I logged in online searching for the missing '1099 ' for the CD ending XXXX Under the Paperless Setting, I found all my other accounts except for this particular CD. I called around XXXX XXXX  and talked to an associate. Initially, she was not able to see what I see. She told me to do a few steps and then she was able to see what I see. She saw the problem but she couldn't find what caused the problem. She asked me to hold and she talked to the bank 's CD department. After a brief hold, she told me the CD department told her that they have nothing to do with that '1099 ' being missing and asked her to talk to the '1099 ' department. She asked me to hold. Then suddenly the phone was re-routed to the general line. A different person picked up the phone and asked me what I want. After on the phone for more than XXXX XXXX XXXX do I need to repeat myself and explain the problem all over again?
Consumer complaint received 2024-09-28
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-28
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. (WI)

On or prior to XX/XX/year>, provided harmful information to my Credit Card Company which resulted in my credit limit to be lowered without any delinquency on the account itself. This was done without my written consent in violation of 15 USC1681 b ( 2 ). 
On XX/XX/year>, I called Trasns Union and spoke to XXXX XXXX Senior Supervisor and on a recorded line told me they are acting as an unauthorized third-party in my contract, and have interfered in the performance of contract, they could not provide me with any document with my signature giving them consent nor could they provide me with the contract between myself, trans union and XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

I have a FTC IDENTITY THEFT REPORT. I submitted, with an explanation that I could also provide more proof of my situation. my credit reports are reporting differently, and either my information is still not corrected and they are reporting the same old information.requiring me to pay for my information I'm still going through the same process as they send to me to be able to fix the problems, and nothing is fixed.they don't remove what needs to be removed.using my maiden name which I did not use for the information they have in the reports.I in data breaches, data leaks, darkweb and being hacked. This started with the first data breach Equifax in 2017, and has not stopped equifax sent me to XXXX I have never known of them until recently after I sent in my IDTHEFT report. The fraud is attached to my maiden name, I have been married for 29 years. There's fraudulent activities going on of which my email address is being used so I may not be receiving the communications because it is being rerouted and when I send its not sent to whom I sending it to.This is got to be more than one person, and in high official offices that know about this.This is not just affecting my credit, it's designed to destroy my life.Im being slandered, defamed, personal information sold, changed used to fit their narrative for financial gain, and to escape public ridicule for what they have done to not only me, XXXX knows how many people to keep us in poverty and control over peoples lives.IM FIGHTING FOR LIFE AND OTHERS THAT ARE VICTIMS OF THE GOVERNMENTAND INSTITUTIONS THAT HAVE OFFICIAL RANKINGS OVER PEOPLES PERSONAL INFORMATION THAT ARE TAKING ADVANTAGE OF THEIR POSITIONS.
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (CA)

I submitted my final XXXX XXXX XXXX XXXX form in XX/XX/XXXX. I received a message from Mohela on XX/XX/XXXX that my form was received and would be processed within 30 days. Frome what I understand, at that point my payment count would be updated to reflect that I've met the XXXX  requirements and I would then begin waiting for loan forgiveness. It has been XXXX months since I received that message and my payment count has yet to be updated. I called Mohela in XXXX and I was told that processing takes 30 business days. Even that deadline has come and gone. XXXX processing times are absolutely terrible and an undue burden on those of us who have worked for a decade or longer in public service and are waiting for forgiveness that we have earned with long hours and low paychecks.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE (NY)

I received an email invoice from XXXX for purported services or goods, which were neither solicited nor authorized. Upon alerting my financial institution, Charles Schwab, of the unauthorized transaction, they assured me of an investigation. However, following a superficial inquiry, they deemed the charges legitimate and closed the matter. Subsequently, I engaged with XXXX to address the issue, and while they acknowledge the fraudulent nature of the charges, they require confirmation from my bank indicating the closure of the case on their end. 

Regrettably, Charles Schwab has been unwilling to provide the necessary assistance to rectify this situation, thereby leaving me in a prolonged and frustrating predicament. Despite my persistent efforts, spanning XXXX months, I find myself caught in a disheartening scenario where both companies seem indifferent to the plight of the customer, instead inadvertently facilitating this criminal activity.
Consumer complaint received 2024-09-28
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. (IL)

Request for Removal of Inaccurate Credit Information To Whom It May Concern, The incorrect items listed below appear on my credit report. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation
Consumer complaint received 2024-09-28
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)

Im confident I pay on time every month, but I dont know why this company says Im late. According to USC 1666b, errors need to be corrected, and the account should be marked " paid on time. ''
Consumer complaint received 2024-02-28
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC. (NJ)

On XX/XX/XXXX I was doing my bank statements and noticed a withdrawal from my trust account of {$8500.00} that happened on my XX/XX/XXXX bank statement. I was starting to catch up on my bank reconcilations. My bookkeeper had been sick with XXXX XXXX XXXX and just started back to work. We immediately notified the bank of this. They called their fraud department but to no avail and they denied my claim. We then appealed their decision and asked for proof I did authorize it ( dispute # XXXX ). The bank sent me back information that did not contain any of my information so we appealed it again. It is clear from their proof that it is not my authorization. ( I can provide the proof ) I reported and made a complaint with the OCC. The OCC forwarded it to Santander Bank ( XXXX ). Santander Bank then forwarded me a letter that said they did not have any person to contact regarding this matter at XXXX XXXX so they said in the letter " if they heard from XXXX XXXX they would contact me '' {$8500.00} is a lot of money and it was taken from my account fraudulently. 

I am a real estate agency so by law I must maintain a Escrow ( Trust ) Account that holds other peoples money separate from my Business Account- I have a fiduicary duty to keep all monies separate which I have done. This Trust Account where the money came from was other peoples money, NOT MINE- I have had that Trust account since I opened the account in Santander Bank since XXXX, XXXX, no one else has authorization to take any monies out of my Trust account. 

I need to get that money back as It was not my money- the Bank 's proof is not me. 

They said I did not report is soon enough so they were denying it -- but when I opened the account in XXXX with them I received nothing saying anything about wrongful electronic transfers- They don't seem to understand it wasn't my money to spend!!
Consumer complaint received 2024-09-27
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)

Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.
Consumer complaint received 2024-01-09
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: NAVY FEDERAL CREDIT UNION (MD)

I filed a complaint on XX/XX/2023 about NFCU, and they were given extended time to respond ; when I got a notice about their response this weekend, the file was already closed. I had to get information based on their response, and since the file was closed, I could not submit the attached items. 

NFCU reported to the credit bureaus that I agreed with them and applied a payment of XXXX to make it appear that I paid them money. Doing this creates a problem and extends the bad debt when paid in full by third-party insurance. Their fraud department opened another investigation and shared a letter with an investigative team, and then the recovery team stated the accounts were too old to capture information. Therefore, the bank falsified information and should be penalized. The fraud team found the stolen credit card document and information to the insurance company, but the information could not be shared as the account details for internal banking. needed extraction before sharing, which could take up to XXXX weeks due to the age of the accounts. That, information was sent electronically to bureaus in XXXX, stating the accounts were resolved and they should be deleted. Then, after I started this investigation NFCU created a payment plan that was not discussed with me and reported it to the bureaus. Now, we have XXXX accounts that were once deleted back on my report and letters to an investigation agency that say the accounts are resolved.