davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC (CA)

Hi, I received another loss mitigation packet yesterday in the mail. 

I've already filled one and send it to you, I have no idea why you have sent me another one, secondly in the new Loss Mitigation packet, you have mentioned that I owe {$36000.00} to XXXX. 

Well, you need to waive all the legal fee, Interest charges, late fee and inspection fee which you have put up illegally. 

I called the customer service so many times, and asked to speak with XXXX, but to no avail, they said that they will ask XXXX to give me a call, they have also scheduled call with XXXX, but I haven't received a single call from XXXX.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
Affiant Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. ( XXXX XXXX XXXXXXXX ) Account XXXX XXXXXXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by. ( XXXXXXXX XXXX XXXXXXXX ) Account XXXX XXXXXXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-11-04
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: NAVY FEDERAL CREDIT UNION (NC)

In XX/XX/year>, I discovered unauthorized transactions on my Navy Federal credit card related to XXXX ads. I promptly reported these charges as fraudulent to Navy Federal. Initially, they partially credited my account, acknowledging the fraud, but did not refund the full disputed amount of approximately {$4000.00}. 

As a XXXX XXXX  living with XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX I am particularly vulnerable to financial stress and unexpected situations like this. This ongoing issue with Navy Federal has significantly impacted my mental and emotional well-being. Over the next few months, I diligently followed up and provided every piece of documentation they requested. Despite my efforts, Navy Federal repeatedly delayed the resolution, citing missing or inadequate documentation. 

Most recently, I provided invoices and other evidence directly from XXXX ad platform, including documentation showing that my ad account was disabled due to suspicious activity. However, upon receiving these documents, Navy Federal abruptly claimed that my case was now outside the dispute timeframe, despite previously indicating they needed more information to proceed. 

I believe this pattern of inconsistent communication and prolonged delays is an unfair practice, especially as Navy Federal initially recognized the fraud by issuing a partial refund. This situation has caused undue stress and financial strain on someone in my position. I am requesting the CFPBs assistance in urging Navy Federal to thoroughly investigate and resolve this matter fairly. Their initial acknowledgment of fraud should have led to a full refund, rather than partial reimbursement and ongoing delays.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

On XX/XX/XXXX at XXXX am while traveling, I received an email from Capital One stating that my checking account had been frozen due to unusual activity. I reached out to Capital One immediately, as I was in the middle of transactions in relation to my travel and could not make any purchases i.e. rental car, bags for flight etc and expressed how imperative it was for them to resolve the issue asap. They asked questions such as who the sender was, purpose of the XXXX  etc. in which I was able to answer every question and to add the sender in question has sent various XXXX  's in the past to assist with traveling expenses. I was then instructed by the investigation team to contact the sender and have them agree to speak with Capital One to confirm the XXXX suspected, which after various calls they were able to make contact briefly but Capitol One stated they would still need further information. After various more calls and speaking with a supervisor, I was promised my checking account would be closed and the banking relationship with Capitol One would end and a check would be sent with my remaining funds ... ... .which I was perfectly ok with at this point because I was XXXX days into my trip and still no updates on when I would have access to my money. Continuing on to XX/XX/XXXX at XXXX am, I receive an email stating that my performance savings account is now closed, which had no association to the investigation and it is not the account the supervisor agreed to close in which I reached out again and was informed there would be no updates on my checking account until the investigation is complete. Following this date, I reached out to Capital One an additional time to speak with a supervisor in the investigation 's department in which he informed me if the sender was able to obtain " a letter from XXXX with an confirmation code included '' stating that the claim either did not exist or was denied, they would be able to immediately lift the hold on my account. On XX/XX/XXXX, XXXX mailed the letter to the XXXX sender in question and once received on XX/XX/XXXX both myself and the XXXX  customer provided a copy via Capital One 's investigation team 's secure email. It is now XX/XX/XXXX the account in question is still open and frozen, and I have not been able to get any updates from Capitol One. It has now been over 30 days and I have exhausted all options and received no input regarding how long this investigation will last even though both myself and the customer of BOA that originally sent the XXXX have completely cooperated and provided all documents requested.
Consumer complaint received 2024-03-27
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. (CA)

Transunion, XXXX, and XXXX continue to report incorrect information on my consumer report that is not correct. There are several inquiries on my report that I did not authorize and should be immediately deleted. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX OF XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXs XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account XXXX : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within XXXXXXXX XXXX  15-day grace period. Therefore, the account should not have been reported as 30 days late. 
System processing error : I submitted my payment through the XXXX account portal. However, due to a system delay, the payment was not processed until after the due date, even though it was submitted on time. I was not notified of this delay until after the reporting of the late payment. 
Evidence provided : I have attached bank statements and payment confirmation emails showing that the payments were made on time, demonstrating that the late payments were caused by a processing error and not a failure to pay. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-10-05
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. (ME)

15 U.S Code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer idnetifies as information that resulted from an alleged identiy theft, not later than 4 business days after the adte of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM **** This is so unlawful.
Consumer complaint received 2024-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-06
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)

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX  XXXX, Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. FCRA Violation : employment not mine XXXX, XXXX Staffing, The XXXX XXXX. FCRA Violation : never late paid in full should not be a charge-off status XXXX {$94.00}, SUN XXXX XXXX FCRA Violation : credit card not mine XXXX XXXX XXXX {$170.00}. FCRA Violation : collections not mine XXXX XXXX XXXX XXXX {$5900.00}, XXXX {$240.00}. FCRA Violations : hard inquiries not mine XXXX XXXX XXXX, XXXX XXXX TX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FINANC, XXXX XXXX XXXX MOT, XXXX XXXX  XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2024-10-05
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

THESE ACCOUNTS MUST BE REMOVED. XXXX HAS A BREACH I WAS AFFECTED BY AS WELL AS TRANSUNION AND XXXX. IT IS YOUR RIGHT TO REMOVE THESE ACCOUNTS IMMEDIATELY! 

I received a copy of my credit reports and am writing to dispute the following fraudulent accounts information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

I have been a victim of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$26000.00} XXXX XXXX XX/XX/XXXX {$13000.00} XXXXXXXX XXXX  XX/XX/XXXX {$6300.00} XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  BANK ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX 2023
Consumer complaint received 2024-10-06
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. 
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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2024-10-05
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)

XXXX XXXX XXXX XXXX XXXX XXXX, ny, XXXX XX/XX/year> I recently received a copy of my XXXX, XXXX and TransUnion credit report and I noticed some late payments posted on my credit report XXXX XXXX account # XXXX, I have attached a copy of my credit report with the proof of the late payments Your company is in clear violation of the law. Under 15 USC sub section 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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

Furthermore, the FAIR CREDIT REPORTING ACT 15 usc sub section 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above account from my consumer report, this agency is in violation of 15 usc sub section 1681.
Consumer complaint received 2024-10-05
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. (AZ)

This account was charged off on the following date XX/XX/year>, since then the account has repeatedly been updated as charged off every month, this is an update in the payment history. A charged off Account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations, you failed to investigate this account properly after I asked you to do it TWICE, and your neglect has violated my rights. I am demanding a deletion for the following account. Account nameXXXX XXXX XXXX XXXX Account number - XXXX
Consumer complaint received 2024-10-06
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 notice some unauthorized inquiries on my report from XXXX XXXX bank and XXXX XXXX XXXX XXXX. Please remove these inquiries as I did not give permissible purpose for anyone to pull my report.. attached is an ftc report please remove immediately.