davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

my account was paid and closed. 

My account is showing late payments from XXXX I am now unable to get a mortgage due to this. 

I need these latepayments off my credit report because i was never aware of my account still having a balance, and thought it was already closed prior to XX/XX/year>
Consumer complaint received 2024-06-04
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. (AL)

On XX/XX/year>, I allowed XXXX XXXX to fix any mistakes on my credit report for me. They sent dispute letters to XXXX on XX/XX/XXXX and XX/XX/XXXX to remove OUTDATED accounts. I have yet to hear back about these disputes specifically with results and decisions. The bureau should have looked at all the paperwork I sent with the disputes. I gave XXXX XXXX permission on XX/XX/XXXX, and all the necessary documents were sent with the disputes on XX/XX/XXXX and XX/XX/XXXX. I want my disputes to be handled correctly and for any wrong information to be removed as stated in the disputes sent on those dates. 

Accounts : 1. Account Name : XXXX  XXXX  Account # : XXXX 2. Account Name : XXXX  XXXX  Account # : XXXX
Consumer complaint received 2022-06-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (PR)

I've had money stuck on Binance.US for over a year. I had been able to withdraw in the past but they changed some policy last year ( not allowing trading of XXXX or withdrawals of XXXX, and now I can't trade or withdraw XXXX ) leading to many users being in the same predicament as I. You can search online forums like XXXX  to get a feel for the large amount of people who they have scammed/ made life miserable for. 

I've sent numerous emails, a bunch of documents to prove my identity, including my social security card, bank statement, license, picture of me holding license and they still haven't allowed me to access my money.
Consumer complaint received 2018-07-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX XXXX I was never late 30, 60, or 90 days late in the months of XX/XX/XXXX and XX/XX/XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.
Consumer complaint received 2019-06-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (CT)

I was denied an employment opportunity due to an item listed as in collections in the amount of {$3900.00} as reported to the credit bureaus for XXXX XXXX XXXX. They have refused to enter of offer me the opportunity to arrange into a payment plan.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (GA)

There are multiple inquiries on my credit report that do not belong to me. Inquiries for loans and credit cards that I did not submit. The accounts that are showing were ; a loan for XXXX XXXX XXXX a Credit Card Inquiry for XXXX XXXX, and XXXX XXXX Bank
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (FL)

My name is XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I have been with American Express for a very long time. I unacceptable that this only company that harassed and stock clients to the fullest. I have a business credit line and business credit card with then. I have never used more than my credit limit. Never had a late payment. They are making money with me on a monthly basis with interest rate that are at the historical highest. All of the sudden if own XXXX out of my XXXX limit and they are forcing, dictating, and obligation me to pay a certain amount of money to keep my credit limit at its original amount of XXXX. This unacceptable. In the line of business they already doing it every month after I made each payment. They laugh at every hard worker XXXX. Harassing and trying to abuse of everyone when in reality they should be thankful of small business owner like myself that are working hard during these difficult times. I hope that this complaint is read, reviewed and analyzed by a bigger institution and someone has the human decency of going above and beyond to fight against this kind of behavior by this company.
Consumer complaint received 2024-06-03
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. (PA)

Notice of Intent to Sue and Opportunity to Cure Refer to U.S. Bankruptcy Court, XXXX. Florida. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX 1. In response to complaint # XXXX filed with the CFPB filed on XX/XX/XXXX against XXXX XXXX XXXXXXXX XXXX XXXX ; I am dissatisfiedwith the handling of my complaint. 

2. XXXX XXXX XXXX, XXXX did not address or fulfill all listed demands, requirements and obligations necessary to satisfy my concerns and stipulations regarding the fraudulent account they are actively furnishing to each of my consumer reports. 

3. XXXX XXXX XXXX, XXXX explicitly states in their response : " XXXX  is required to validate the account. We have no record of a dispute being received in relation to our initial notification letter. '' This is in fact an outright lie. I filed my initial complaint with the CFPB on XX/XX/XXXX and given complaint # XXXX was in fact received by XXXX. They responded on XX/XX/XXXX. This complaint also included a copy of their dunning letter dated XX/XX/XXXX. I have attached another copy to jog your memory. 

4. I also sent a 2nd complaint via the CFPB on XX/XX/XXXX under complaint # XXXX ; I have also included a copy for your review. 

It is apparent that XXXX  is furnishing blanket repetitive statements in response to consumers who file complaints against them using the CFPB 's platform as a government enforcer, XXXX  holds no regard for following or adhering to Federal Law or judgements as outlined in CFPB v. XXXX XXXX XXXX, XXXX, case no. XXXX. 

5. XXXX  has once again failed to properly verify this alleged debt and continues to violate my consumer rights and federal laws by continuing to report this account to each of my consumer reports. They are willfully and intentionally causing harm and injuring me as a consumer. 

6. In order to verify a debt as XXXX XXXX XXXX, XXXX has previously claimed they have done, they are asserting, confirming or substantiating by oath or affidavit. Providing copies of statements is not proper verification or validation of anything. 

7. Refer to XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX. 

I demand immediate removal of this fraudulent account from all consumer reports, permanent deletion and no further harm or injury to my person or financial well-being as a federally protected consumer.
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. (NC)

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 Account Number : XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account number : XXXX XXXX  XXXX Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : 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 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, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2024-06-04
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. (NJ)

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, 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
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

On XX/XX/2023 I received an alert from my credit monitoring service regarding fraudulent accounts and inquiries listed as " XXXX XXXX '', " XXXXXXXX XXXX '' on my Experian consumer report. I quickly contacted the Federal Trade Commission and was directed to file an " Identity Theft Report '' about this recent Identity Fraud for which I am submitting this complaint.
Consumer complaint received 2015-12-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I had a valid short sale offer in and Nationstar backed-doored my file and 'sold ' my home on XXXX, though I highly doubt that they fulfilled all of the XXXX County MLS requirements in order to do so ; the home went back to Nationstar . They stalled my short sale file out to 'sell ' the property on their own terms. 
The BPO came in at XXXX. My offer was for XXXX, with XXXX down. 
XXXX XXXX ( me, the owner ) has had several XXXX attributed to the entire foreclosure/short sale process. XXXX XXXX ( my wife and co-owner ) has XXXX. The entire process has been very traumatic to both of us and now I have been foreclosed on. 
I had a valid offer in the XXXX system and have been working on this file for close to a year with my agent, XXXX XXXX, who has been a God send to both of us throughout this very trying process. Nationstar initially tried to sell our home on their auction site ( XXXX ), but he was able to stop them once he listed all of the MLS requirements in order to do so ( see attached ). 

I am also attaching the following : Purchase contractListing agreementHardship letterAll correspondence in the XXXX system ( my agent salvaged what he could as the hard files were deleted today ) XXXX sale informationXXXX County MLS requirements to auction a homeHere is what we are ; we are talking about an older married couple in poor health that now has a foreclosure on their credit reports, and for what? The BPO ( appraisal Nationstar did ) came in at XXXX. Nationstar has the 'bid ' starting at over {$1000000.00}, though no bids were received and now it is a bank-owned REO. 

If the short sale is not put back into active review I will be suing Nationstar for the unlawful foreclosure, pain and suffering, and to release the home from REO to complete the short sale process, as well as contacting my Congressman and the media. 

My wife and I did everything asked of us and you gave us no notice of the foreclosure sale date, nor should you have foreclosed, as their was an active short sale file under review at Nationstar in the XXXX system. You stalled the file out over and over again so that you could own our home and sell it on your auction website. The home is worth far less than you think it is and your actions are nothing short of criminal. 

You should be ashamed of yourselves. 

XXXX XXXX & XXXX XXXX
Consumer complaint received 2024-06-04
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-04
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: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

Around XX/XX/2024, I fell victim to multi-layered scam operations that is a non-delivery scam perpetrated by across-state XXXX XXXX and shipping group that I encountered on XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudsters.
Consumer complaint received 2015-12-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I started a process of refinancing an existing load with the company that has my mortgage, mainly because they promised a lower interest rate, after a lot of paperwork, they sent to do an appraisal ( twice ), they ask for more paperwork on pages that were no send in the first lot of paper work due to scanner malfunction, I resent all the pages of this paperwork, after a week seeing that nothing had happened, i sent an email asking for an update and was told that the loan has died due to lack of response on my part. 
First will like to point out that even if I did not sent the paper, a simple call telling me that they have not received this will be courteousSecond after all the time and effort that went into this and the amount of hour of work i had to miss to be at the appraisal, I deserve an answer as to why they kill the loan application unilaterally.
Consumer complaint received 2024-07-09
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Revco Management, LLC (WV)

We have a bill with this credit collections company. We have been making payments on that bill for a while now And the total amount never seems to go down. We have paid at least {$600.00} in the last 7 months and the amount remains what it was when we 1st started.
Consumer complaint received 2024-06-05
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. (TX)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well over 30 days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY.

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-04
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)

XXXX, XXXX, and Transunion were informed that they were reporting inaccurate payment history for account XXXX XXXX. XXXX is reporting 30 days late in XX/XX/year>, while XXXX and Transunion reports 30 days late in XX/XX/year>. This is obviously an error on the CRA 's behalf, and this has been confirmed in the XXXX response from the company. They stated that their reporting is 100 % accurate so any inaccuracy is the fault of the credit bureaus. They also agreed to remove the late payment reporting in XX/XX/year> as a goodwill. I was informed by the company that the late payment XXXX is reporting in XX/XX/year> is not correct. I am demanding that the late payment is removed from all 3 credit reporting agencies and this account is updated to paid as agreed never late. Please see the attached response letter and credit account showing the inaccuracies.
Consumer complaint received 2024-06-03
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-06-04
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. (OH)

Hello recently I looked over my credit report and I noticed several inaccuracies on my credit report. This inaccurate account is hurting my ability to obtain good credit. I understand that you investigate these inaccurate items to ensure accuracy. 

Here is the item Im asking you to verify as accurate. 

XXXX XXXX
Consumer complaint received 2024-06-04
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)

inquires all need tom be removed from my credit profile it is hindering my ability to work. also false info.

15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts ( a ) One-call fraud alerts ( 1 ) Initial alerts Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a consumer reporting agency described in section 1681a ( p ) of this title that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, for a period of not less than 1 year, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose ; and ( B ) refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies described in section 1681a ( p ) of this title, in accordance with procedures developed under section 1681s ( f ) of this title. 



XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2024-06-03
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. (MA)

I am trying to buy a house and I have realized I have damages on my credit report. According to the 15 U.S.C 1681 there should not be any damages on my credit report. It is defamation of character.
Consumer complaint received 2024-06-05
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. (NJ)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX