davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX INQUIRY : XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America , N.A . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Credit Application Denial for Application No. : XXXX Dear Sir or Madam, I am writing to formally dispute the denial of my credit application, which was communicated to me in your letter dated XX/XX/year>. The reasons for denial referenced several factors related to my personal credit history, including my credit score.

As a secured party creditor, I hold a valid UCC-1 filing that secures my assets, and therefore, I do not require traditional credit financing based on personal credit scores. Your reliance on my personal credit history in this decision-making process is irrelevant and inappropriate, given that I am not dependent on external funding to meet my financial obligations. Any assumptions regarding my personal credit history should not have been applied to this transaction. 
In addition, I believe that Bank of Americas decision may violate the Uniform Commercial Codes standards of good faith and fair dealing, specifically UCC 1-201 ( b ) ( 20 ), by relying solely on presumptive credit factors without considering my status as a secured creditor. I request that you reconsider this application in light of my secured position and without relying on my personal credit score. 
Please also consider this letter as a formal demand to reevaluate your decision and provide further clarification on the reasoning behind the credit denial. If necessary, I reserve the right to challenge any incorrect information that may have been reported to the consumer credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Please confirm receipt of this letter and advise on the next steps regarding this matter. I expect a reconsideration based on the above information and a prompt response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
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. (SC)

THIS ACCOUNT APPEARS TWICE ON MY CREDIT SHOWING XXXX  XXXX AND ALSO SHOWING XXXX XXXX. {$460.00} BALANCE. 

I have written THE CREDIT BUREAU & XXXX XXXX XXXX XXXX numerous times to exercise my consumer rights of validating the debt that is being reported and affecting my consumer report. Per 15 U.S. Code 1692g - Validation of debts, If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector I am filing a complaint against THE CREDIT BUREAU AND XXXX XXXX XXXX XXXX XXXX  to dispute the validity of the debt that has continuously been attempted to be collected by me. I have decided to file a complaint expressing my concerns regarding potential violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically under USC 1692g, which governs the validation of debts.

I am well aware of my rights under the FDCPA, and I assert my right to dispute the validity of the alleged debt and to request the verification of this debt as stipulated in USC 1692g. Please consider this letter as a formal dispute and request for validation of the debt. I dispute the debt as follows : XXXX : XXXX REASON : 15 U.S. Code 1692e - False or misleading representation INSTRUCTION : PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. YOU ARE VIOLATING 15 U.S. Code 1681e - Compliance procedures Lack of Sufficient Information : Your initial communication this month failed to provide adequate information to enable me to determine the validity of the debt, including the name of the original creditor, the amount owed, and the nature of the debt. Incomplete or Inaccurate Information : The information provided in your subsequent communications has been inconsistent and incomplete, further hindering my ability to assess the legitimacy of the debt.
Consumer complaint received 2024-09-23
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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/year> I applied for an extension of my right to credit in good faith with the XXXX XXXX through XXXX XXXX XXXX ( online submission ). 
On XX/XX/year> I, embarrassingly and discouragingly, was denied my right to credit. 
On XX/XX/year> XXXX XXXX emailed me a portion of its response in response reference number : XXXX. This response did not provide me Equal Credit Opportunity Act disclosures nor a copy of the report from TransUnion in which XXXX XXXX allegedly consulted with to deny me my right to credit. 
On XX/XX/year> at XXXX I called XXXX XXXX  at ( XXXX ) XXXX and confirmed my personal identifiable information with agent by a fictitious name of XXXX XXXX He then transferred me to XXXX. XXXX also confirmed the last XXXX of my Social Security Number. I requested the end user report from TransUnion in which XXXX XXXX  denied my right to credit with, to which XXXX said they don't have it and for me to call TransUnion. I reiterated to XXXX, So you don't have the report used to deny me? She again said no and restated to call TransUnion.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, 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 writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-09-23
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: EQUIFAX, INC. (MO)

I had some fraud on my credit. Someone used my SSN to open a CashNetUSA installment loan. I was able to obtain my credit report and saw 34+ inquiries that i DID NOT authorize. Inquiries on my credit are all fraudulent and I would like for them to be removed. I have reached out to the companys and they wasnt able to provide any information.
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. (NJ)

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 2024-09-26
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. (GA)

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically debt bondagewhich falls under trafficking as defined by the XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage. 
According to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within XXXX business days upon receipt of sufficient documentation. Furthermore, XXXX C.F.R. XXXX mandates the immediate removal of such information. 
I have provided all necessary documentation, including a victim determination letter in accordance with XXXX C.F.R. XXXX ( b ) ( XXXX ). As only XXXX forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
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. (MD)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reported this issue to the Cfpb once before back on XX/XX/XXXX and my case was closed and never heard anything from anyone. I just received a call from the department of education since I have filed several complaints about the department of education, XXXX, borrowers of defense, the ombudsman department, and now XXXX regarding my loan discharge. I was part of a lawsuit against XXXX University and I was approved 100 % - full loan discharge since XX/XX/XXXX. XXXX of my loans were discharged but the other 1/2 XXXX refuses to investigate. Now my loans were transferred to XXXX in XX/XX/XXXX and Im having more problems with the reporting of my loan to the credit bureau. All My complaints are being deleted from all the different portals and my account is still not being resolved.
Consumer complaint received 2023-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2022 a purchase was made from my account using my debit card in the amount of {$1900.00} and all it said on my statement was " ORDER COMPLETE XXXX TX. '' I keep a pretty good record of what I spend in my account and do know of any large purchases made, however this was not a purchase I made. I didn't discover this transaction until about a month later and panicked, immediately I called the bank, they cancelled my card and said they would investigate the charges. I had just gotten back from a trip around the time this occurred so before I balanced my ledger with all my receipts I thought a few other charges looked suspicious too and included those in my claim. My claim was denied on XX/XX/2022 stating there weren't any false charges. At that time I realized that the only charge that was fraudulent was the {$1900.00} and I called them back, asked why they denied my claim, I assumed it was because of the travel charges that were definitely mine and had those removed. They came right back and denied the claim again stating it was not fraudulent. I asked them for the name of the merchant so that I could try and contact them and get a refund through the merchant, but they could not provide me with anything other than what was on my bank statement " Order Complete XXXX, TX. '' I no longer have the same phone service so I can't tell you what dates I called on, but I called three more times asking again for the contact name and number of who the purchase was made from, all three times, one involving a supervisor, I was told the same thing, they didn't have that information. Why would a bank approve a charge that didn't provide the name of the merchant? They said that I made other big purchases so it was not outside of my normal spending habits. That is not a good reason to approve a charge or to say it wasn't fraudulent. I know exactly what I spend, especially any big purchases, but this was not one of those purchases. I did not spend {$1900.00} and I have XXXX recourse with the bank since Capital One won't investigate further or even provide me the name and number of the vendor when the purchase was made from.
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. (VA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 general, 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 2024-09-27
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. (NC)

See the attached FTC Report concerning the unauthorized inquiries as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Mortgage ISSUE Trouble during payment process Dear CFPB, I am still having issues with my loan servicer Specialized loan servicing. This company has yet to assist me with resolving this issue.

I have made 3 mortgage payments since XX/XX/19.

Payments : XX/XX/19 - Payment {$2500.00} along with {$290.00} in unapplied funds which would have covered my XXXX  mortgage payment XX/XX/19- Payment of {$2700.00} was made and is sitting in unapplied funds which should have covered my XXXX   payment.

XX/XX/19 - Payment of {$2700.00} was returned to my bank by specialized loan Servicing. This payment if accepted would have paid XX/XX/2019 bringing my account current for XX/XX/2019.

XX/XX/19- Payment was made again in the amount of {$2700.00} and extracted from my account XX/XX/19. This payment brings my account current for XX/XX/2019.

This company Specialized loan Servicing has yet to apply any of these 3 payments to my account to bring my account current. They payments are sitting tied up a ( suspense ) status. I have called over 8 times trying to address this matter and i have not received resolution. My account still reflects a payment due for XX/XX/19. I have made 3 mortgage payments to bring my account current none of which have been applied.

THIS IS CAUSING LOTS OF STRESS!!! My mortgage appears to be behind 4 months and it is not. This could cause me to lose my home. My current payment for XX/XX/2019 is now due. So far this company continues to accept my payments and refuses to apply my payments to my account. Every time I call I am being told payments are not applied due to a loan modification which I NEVER ASKED THEM FOR AND DO NOT WANT. I keep telling them I do not want their loan modification because I do not trust these people and do not feel they have the Home owners best interest at heart.

I would like this matter resolved ASAP and for this company to be addressed. Specialized loan servicing continues to put the status of my home in jeopardy and I am paying my mortgage.