davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

On XXXX XXXX, 2015 Nation Star and XXXX XXXX Trustee are threatening to sell my homein XXXX XXXX Ca XXXX XXXX bought and owned by me for over 15 years ). 

This is very disturbing since this threat along with Nation Star and their Trustee are NOT following Federal and State Law, The California Home Owner Bill of rights and the settlement that was made by the California Attorney generaland Governor specifically : OFFICIAL NOTICE TO STOP ILLEGAL SALE by the trustee Offices of XXXX XXXX and NationStar1. Nationstar is breaking the law. 
2. Your office is a California Law Office and as such must advise your client and follow the California Laws. 
3. We have requested over 5 times to have a " single point of contact '' this has never happened and is still not happening!!! 
4. As you know under California law : " GUARANTEED SINGLE POINT OF CONTACT '' NATIONSTAR failed to do so. 
5. QWR and alleged Debt Validation : We have requested over 5 times. 
6. NATIONSTAR has failed to provide. 
7. Account Reconcilliation of the alleged debt : We have requested over 5 times. 
8. NATIONSTAR has failed to provide Reconcilliation accounting. 
9. Accounting and Re-instatement figures : we have requested over 5 times. 
10. NATIONSTAR has failed to provide Accounting Re-instatement. 
11. Loan Modification has been submitted as a consideration ( if Nationstar provided ample proof of the alleged loan ) 12. Severe violation of the " DUAL TRACKING '' law. 
13. Defective documentation and defects in alleged loan and alleged foreclosure. 
14. NATIONSTAR has failed to provide all requested items from the foreclosure procedure and guidelines as provided by the California Statutes and law. 
15. NATIONSTAR has failed to comply with the proper notification of at least 30 days " trustee sale '' by not mailing " certified '' nor " registered mail '' nor even " regular mail '' nor with an email nor with the " single point of contact '' as provided by California Law and Protection. 
Due to all of these reasons and more ( as we have other items that have been requested as part of the '' debt validation process '' ), it is hereby Demanded that the illegal " trustee sale '' come to a complete Hault and that at thevery least be placed on an immediate " HOLD '', " POSTPONEMENT '' while a FULL INVESTIGATION takes place. 

Thank you,
Consumer complaint received 2024-07-15
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. (NY)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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. Whos studying computer science help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 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 it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-13
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)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-10-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I was taken off of scra military benefits. Automatic payment schedule got messed up ... I never got call back. I keep getting forwarded to same non responsive person. Email or sent hidden. I finally got a hold of someone when they thought I could refinance..to see how to catch up on my payments. Paid XXXX. Through XXXX XXXX. But phone message says I only paid XXXX and I owe for XXXX. Yet it also said the last payment was XXXX XXXX. XXXX different messages non of them rt. Everytime it forwards to same voice mail. Even when I try to get forgot password or sign up for new online it routes me to same non responsive person. NATIONSTAR Morgage. Took over my account from XXXX XXXX XXXX I had since 1998. But since being with nation star they did not honor paper work XXXX XXXX showed me they sent..finally got rt interest applied but not sure retroactive was applied. Then they took me off of scra again for no reason. Husband sent documentation but still struggled with what was going on with account. They sent someone to my house where the Tennent lives saying it is important they contact me about morgage. People comming and taking pictures. Then recently mailed a package to house were my Tenet lives that is under morgage even thou they know where I live in Texas.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I transferred the balance of my XXXX XXXX Credit Card to my XXXX XXXX XXXX Credit Card last month ( XXXX ). This has lowered my credit score regarding percentage of available credit used. I want the correct balanced reflected on my XXXX XXXX Credit Card which is no longer {$1600.00} it's {$0.00}
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX- XXXX and 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Accounts need to be removed from report.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX JXXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged ONEMAIN - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXXXXXX XXXX XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Trans Union was told they were reporting late a payment made to XXXX on time. They did not correct it. 

The bank rep XXXX XXXX of XXXX response team did a terrible job responding to a serous error at XXXX. She was completely dishonest about a bank error In XXXX when we made a payment they MIS PROCESSED. When escalating to the executive office XXXX XXXX was not HONEST when she claimed we gave the account number and agreed to the reps confirmation. She never admitted that NO PAYMENT WAS EVER put in to our account even though she heard it called in. 

Today a kind woman investigated and said she saw an error she had not seen before in the system which was our regular checking acct number in for the XXXX payment but listed as a debit payment. Why it never was processed. XXXX XXXX hid this! 

We originally thought it a wrong account digit. INSTEAD TODAY we learned from another phone rep that they had it in their system in XXXX as a debit card with our CHECKING ACCT NUMBER. She finally told us what went wrong. 

Meanwhile the rep XXXX wrote a letter hiding the facts and then went back and added four more lates that were on time payments after XXXX as the month before- in effect worsening the problem. They wrote a snide letter making themself right when ah honest XXXX rep explained what she found today. 

We have paid down XXXX in 5 months to help finalize a problem account. 

We have screenshot after screenshot of dozens of calls left on hold only reaching a rep less then half the time. 

We can fax over the account given with a balance the whole month of XXXX far exceeding their wrongly listed returned payment. IT WAS NOT PUT IN. 

Meanwhile Transuniion has not demanding the recording or taking our XXXX statement showing no payment was presented. We can fax the full monthly statement and show the account number, dates and balances for all of XXXX, plus no payment submitted by XXXX who admits they erred today. 

We need Transunion to review the bank statement and request XXXX give the payment account details for XXXX so that it can be revealed to have been made. Therefor the XXXX, XXXX, XXXX, XXXX payments were not late. All payments since XXXX were four times the iminium payment or so. 

There was no reason to not read the bank statement.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-14
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. (GA)

I am writing to file a complaint regarding unauthorized inquiries on my credit report. On XX/XX/XXXX, I submitted a complaint stating that I had unauthorized inquiries and demanded that they be removed immediately, citing a violation of my consumer rights under 15 USC 1681. However, I received a response without any proof of these inquiries being made by me, which is illegal. 

XXXX failure to act on this matter is also illegal. I have filed a complaint with the Office of the Comptroller of the Currency ( OCC ) and will proceed to small claims court to sue TransUnion if I do not receive a remedy. Transunion has 15 days to respond and remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I expect immediate action to rectify this situation and the removal of these unauthorized inquiries from my credit report.
Consumer complaint received 2024-07-14
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)

I'm attaching a letter that stats the problem. The lender reneged on their settlement they offered because they could loan because of the type of lender they were. But they offered to give the mechanic the title and XXXX dollars with our discussing with me. They for letting me have a settlement of {$950.00} and then they reneged thinking that my insurance was going to Total the vehicle I told him that that wasn't going to happen I wasn't going to allow that so they were making decisions and reneged on what they agreed to do with me and then I'm the one left holding the bag they were going to let the mechanic have it for {$4000.00} and then they were just going to cut the mechanic refuse to take their XXXX he wanted XXXX XXXX  and they were going to just let him have the title again without discussing anything with me and this is my credit and now they're showing it a charge off it looks like a repo and it's not they don't have the vehicle nobody will talk to me they hang up on me or they pass me about and leave me on hold for hours so now I need to get an attorney for this I already have an attorney with the mechanic and I have an attorney over the insurance company trying to total my vehicle when they didn't have any dog in the race so I want this off of my credit they had their chance I tried to pay my begged them and begged them and they refused after they're the ones they agreed to it the settlement so I think because I am good faith offer and tried to pay them what they wanted and because they got greedy I'm the one left on the bag it's not right it's not fair and for the credit bureaus to allow this I want every every piece of documentation and every voice conversation cuz they record I want every conversation and every written text email conversation and I want you the credit bureaus too also request that before you make a decision because if you don't see in my favor you didn't get all the information I don't want this on my credit I think what they've done is wrong so it needs to be totally removed
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-13
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)

DEAR, TRANSUNION I WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX,
Consumer complaint received 2023-10-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I went shopping on XX/XX/XXXX at the jewelry store, XXXX, located in the XXXX area oXXXX XXXX XXXX XXXX. While I was paying for my bracelet, a white man approached me and asked if I could resell my bracelet to him. He said he would pay for my bracelet through XXXX and would be willing to pay me an additional {$100.00} in cash as a bonus. we then made the transaction in person and he also showed me the receipt on his phone for the successful transfer. After a couple of business days, I confirmed that I received the money via Bank of America 's mobile app. 
In XXXX, I found I could not log in to my Bank of America mobile account. I went to the Bank of America office on XX/XX/XXXX to inquire and was told that my account was closed due to the risks associated with the above transaction. I was also told that the entire amount of this transaction, totaling {$2300.00}, would be frozen for no time frame. 
Over the course of the following month, I had numerous phone calls with multiple Bank of America departments. I was informed on XX/XX/XXXX that the amount of money involved in this case was transferred to me via XXXX different XXXX transfers by the person in question, the white man who purchased my bracelet, by way of embezzling from someone else 's XXXX bank account. Bank of America has returned this money to the original account.