davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
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. (MO)

I sent out letters to Transunion XX/XX/2024 and XX/XX/2024 and no response I called in XX/XX/2024 I spoke with XXXX from XXXX XXXXXXXX to update personal info because it was also being reported in correctly i was then transferred to XXXX XXXX he was very rude, over talked and denied my 30 day investigation that I requested. he stated I would have to speak with a supervisor or get a call back. Prior to this call I called Transunion on XX/XX/2024 and spoke to supervisor XXXX around XXXXXXXX XXXX CST he stated he was in the special handling department. file # XXXX still have no heard anything back. i Sent out letters with copies of identifications, and proof of residency
Consumer complaint received 2024-05-08
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)

Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress the importance of this matter to me. Should you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will leave me with no choice but to demand the immediate removal of these items from my report.
Consumer complaint received 2024-05-08
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 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 2024-05-08
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)

The FCRA 605B regulation necessitates the deletion of any erroneous records from my credit report. These records misrepresent my credit standing. I am entitled to {$1000.00} for each such erroneous record on my credit history.
Consumer complaint received 2024-05-08
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. (AZ)

I am writing to address several concerning issues regarding the handling of my personal information as governed by various sections of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

Firstly, according to 15 USC 1681 section 602 ( a ) of the FCRA, it is imperative that consumer reporting agencies such as XXXX and XXXX conduct their operations with fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I am entitled to ensure that my private information remains secure, as reinforced by 15 USC 6801, which mandates financial institutions to uphold the privacy and confidentiality of customers ' nonpublic personal information.

Under 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly stated that consumer reporting agencies may only furnish consumer reports under circumstances outlined in written instructions from the consumer. I have not provided consent, neither written nor implied, for XXXX, XXXX, or any furnisher of information to credit agencies to share my personal information. 

Furthermore, according to 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to third parties without informing consumers of their right to opt out of such disclosure. I have not been properly informed of this right by the relevant financial institution.

Additionally, the reporting of adverse items of information, such as the account in question, without my consent violates 15 USC 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including such information in consumer reports.

Moreover, 15 U.S. Code 1681s2 ( a ) ( 1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies, and XXXX and XXXX are failing to uphold reasonable procedures to prevent violations of the FCRA, as mandated by 15 U.S. Code 1681e.

Finally, under 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately. 

In light of these violations and discrepancies, I expect immediate action to rectify the situation and ensure compliance with all relevant laws and regulations.
Consumer complaint received 2024-01-24
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC (KY)

The original company who claims I owe money for an internet router failed to provide me with the necessary shipping information to return the product and then they charged me for not returning the item, however I could not return the item without them doing their part in providing the shipping label. This is a false debt that I do not owe and even the bank agrees with this as they returned my money back to me. Now this company is aggressively trying to collect money from me and destroy my credit for something im not obligated to pay. The amount of the debt is alos increasing at an unknown rate under the guise of " fees ''
Consumer complaint received 2024-05-08
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. (GA)

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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XX/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 2024-05-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I filed a claim for unauthorized charges on my account, however, Chase denied the claim saying that the information provided doesn't match what was filed. The information I provided was indeed the same as what I filed, so I do not think it is fair that they rejected my claim. They denied to give my money back and reverse their transaction to me.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (IL)

On XX/XX/year> I purchased a mattress and bed frame from XXXX. On XX/XX/year> that item was delivered via XXXX XXXX and left in front of my building, in an unsecure area. When I arrived home from work at XXXX on the same day, the items were missing. I contacted XXXX right away and was told " drivers sometimes mark items delivered even though they have not been, and for me to wait until XX/XX/year> at XXXX to contact them back if the item hasn't shown up. On XX/XX/year> I contacted XXXX again to let them know the items still had not arrived and that I needed either a replacement or a refund, I didn't care at that point which one happened, but they needed to make this right as the complex I live in uses secure lockers for delivery and the driver failed to use them resulting in my items to be stolen. XXXX then informed me they would not refund nor replace the items. I contacted my bank and filed a dispute ; however, XXXX is fighting the claim and still refuses to refund my money or replace the items stolen. 

So-Fi has thus far refused to issue a refund of the money. I contacted XXXX XX/XX/year> at XXXX XXXX and spoke with a lady who told me to wait until XX/XX/year> for them to investigate. 

I have since filed a complaint with the Federal Trade Commission about this issue with XXXX FTC Report Number XXXX ( claim attached to this complaint ). 

This is a case of XXXX ( a large powerful corporation refusing to follow the rules of the apartment complex I live in, delivering the items to an unsecure location, it getting stolen and XXXX refusing to correct the issue )
Consumer complaint received 2023-10-04
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)

I do not recall applying for a XXXX XXXX XXXX and I never received the funds. I received an email that I was approved, and the funds were being sent to a XXXX bank account. I attempted to contact the company and did not receive a response. The account has been sent to XXXX XXXX XXXX XXXX account # XXXX and is being negatively reported on my credit report. The original creditor and information are listed below. 

Customer ID # : XXXX Principal Amount : {$1200.00} XXXX  Date : XX/XX/2020 2020
Consumer complaint received 2024-05-08
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. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX 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 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 2016-01-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

Please see the email chain below in regard to my QWR request that was submitted to Nationstar Mortgage on XXXX/XXXX/XXXX. I received an acknowledgement letter dated XXXX/XXXX/XXXX and an extension letter dated XXXX/XXXX/XXXX. As of today I have not received a response to my request. Please consider this a QWR and see that I receive a timely response to my concerns and that my payment is updated to remove the escrow shortage. In addition, please confirm that a credit block will/was placed on my account during this time to prevent negative reporting as I have never had a delinquency reported for this or any other mortgage I have ever had. Although the information within the emails below are being forwarded, please respond to each concern and request with a written response. I would like to have a single point of contact to discuss the account and assist with rectifying this error. I am unable to make my mortgage payment online due to the incorrect/higher mortgage payment showing due. I would send a check in but I am sure that it would be applied to the escrow shortage that is incorrectly showing on the account and lead to additional problems. My contact information can be found in the email chain below. 

Thank you, XXXX XXXX XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; Date : Tue, XXXX XXXX, XXXX at XXXX Subject : Fwd : XXXX XXXX XXXX XXXX Escrow research request To : XXXXXXXXXXXX Please provide an updated status for the QWR that was submitted on XXXX/XXXX/XXXX. I received an acknowledgement letter dated XXXX XXXX, XXXX and an extension letter dated XXXX XXXX, XXXX. I have not heard from Nationstar by telephone, email, or mail with a response to my QWR research request. I would like to make my mortgage payment but can not do so online as the issue with the escrow shortage has not been rectified and I am unable to make my regularly scheduled payment amount that is less than the incorrect amount showing due that includes an escrow shortage. Please contact me or my husband XXXX XXXX by telephone, email, or regular mail as soon as possible so this matter can be resolved. In addition, please see to it that my payment history is not reported delinquent during the time the research request has been outstanding. 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2024-05-08
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. (NC)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 
I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I filled a dispute with my Capital One charge card regarding purchasing brake pads and rotors for my XXXX XXXX XXXX vehicle that was purchased in XXXX - XXXX of XXXX. The service was a two year warranty, and I had problems for the second time with the installed brakes and rotors. The first time they were installed the brakes were squeaking so bad I had to go back to shop. I had to wait for about 2 weeks before they were installed again. 

This XXXX of XXXX my car with vibrating when I step on my brakes. I went back to the merchant and they informed my to purchase the brake pads and rotors myself and only have to pay him {$75.00} to install them. I paid previously a total of {$460.00} for brakes and rotors that they provided with labor. I decided not to go back to them because it had not been a year since I paid for the services done on my vehicle. I decided to file a dispute instead to recoup my funds and get them done correctly elsewhere. 

At first Capital One reversed the charge and then recanted due to it being over 60 days. I have since XXXX information and it said that I'm entitled to a chargeback up to 540 days. This information said I should be able to get my funds credited back to my charge card.
Consumer complaint received 2024-05-08
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)

XXXX XXXX XXXX XXXX XXXX XXXX card was never reported to credit bureas of any degoritory remarks on XXXX, XXXX, XX/XX/XXXX but on the attached proofs XXXX XXXX added a hidden charges and past due amount of {$29.00} from XXXX till XXXX which I never missed any payment. 

When I asked the XXXX  manager over the phone what the {$29.00}, was meant for he could not respond but said it was bank fee and I pointed it out to him that it would have been on all my statements from XX/XX/XXXX till date then I asked him why Is past due fee narration in XXXX, XXXX and XX/XX/XXXX. Because their past due fee is {$40.00} not {$29.00}. He dropped the call on me and later I found out my statements for XXXX till XX/XX/XXXX the deleted the {$29.00} and my balance never reduced but increased. But I have it downloaded in my file before the deleted not to have a trace to my unknown hidden charges. 
This was the hidden charges they were bringing forward every money and they reported degoritory remarks on my credit file. 

On XXXX XX/XX/XXXX I still went ahead and paid {$120.00} minimum payment the mailed to my address but they XXXX XXXX XXXX had refused to create the Statement of which they do balance brought forward of the hidden charges and put the XXXX degoritory remarks. These evidence would help the credit bureaus in their long awated investigation result being I can not file it online on their websites as they are investigating and blocked my access to uploading supporting evidences. XXXX reported to XXXX that my past due was {$72.00} and to transunion as {$2.00} and my credit report mailed to my address by XXXX in XXXX XX/XX/XXXX with confirmation number XXXX .stated my past due was $ XXXX paid above the minimum they credit bureas have on my credit file. 

Capital XXXX bank report to credit bureas does not show my actual payment amount I paid it month it is always blank .their minimum payment are less on credit reports but high on the copy they mail to me
Consumer complaint received 2024-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MEGASTAR FINANCIAL CORP (MN)

in XX/XX/2023 I changed my homeowners insurance, and it cost quite a bit more than before due to rising costs, and made sure Megastar had that updated information, and requested that they update my escrow. They did not update my escrow. They have since told me many times that they only do that in XXXX. So, as a result, I owe XXXX of dollars that they now want me to pay off while I'm already coping with this years homeowners insurance. This, combined with this " escrow cushion '' they can suddenly demand and make however much they want, is ruining me financially.

Additionally, I have been given incorrect information on the phone repeatedly, and acted on that information, and suffered further financially as a result. I was advised by one of their staff to just get off the escrow and pay the insurance myself, and that then I would balance out. I was informed later that I wouldn't know whether I could do that until Saturday.

I was later told the problem was my escrow, then advised to contact their loss prevention team, who does not handle escrow.

Is it really legal for them to ignore my updated insurance for 10 months, due to policy of their own invention, and then say I have outstanding balance and refuse to let me off their escrow? No one there will answer why my bill didn't reflect the updated policy except to cite this policy. 

I can't think what else I could have done, but my bill has jumped up by {$600.00} a month and they want me to go on doing that for months or years.
Consumer complaint received 2024-09-11
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/year> XXXX mine and my wife 's accounts with USAA were hit with several fraudulent transactions. Unauthorized transactions in checking accounts, personal loan attempts and credit card transactions. The credit card side of the house was deemed fraudulent and resolved. The personal loan was declined and we froze our credit reports. We have been fighting with the banking side for a month now trying to get close to {$2800.00} back. On XXXX XXXX I was informed that the three transactions at sum of $ XXXX XXXX, XXXX and XXXX were not fraudulent transactions. The credit card department has deemed them to be fraudulent, refunded and closed the cards out. After speaking with several reps from USAA to include the resolution department, they can see that the fraud department is not upholding their responsibilities. After pressing more and escalating a complaint with them, they decided to refund a charge for XXXX. I am still missing close to {$1300.00}. I have requested documentation and all they send me is the initial response, I requested them to reopen the case and nothing, I've asked for a callback to discuss this with no phone call from the Fraud Department. I don't feel that my money is safe with USAA anymore and I feel cheated. This is disgusting and how dare they treat their Veterans this way.