davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

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 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (NC)

Paid off XXXX XXXX on XX/XX/2021 - received a letter from XXXX XXXX stating that my acccount has been paid off in full with a {$0.00} remaining balance. XXXX has been reporting that I have a balance on account that is constantly changing. No other charges have been made since the account was paid off. Every time I call to dispute and ask why, they tell me they will clear out the balance and all should be taken care of - and then the next month I will receive another statement with some sort of balance. This has been going on for over a year and has affected my credit.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Prosper Marketplace, Inc. (GA)

I closed my account a couple months ago and now i can no longer see my account details when i log in. I also don't receive paper statements and when i requested them a representative said i cant get paper statements. So no online access, no online payment option and no statements to keep track of balance, interest being charged, etc. I feel the company is trying to make it difficult on purpose so i'll forget to pay and they can charge additional fee 's. There's no way for me to keep track of anything.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There were hacking activities occurred at XXXX. Hackers got client information and posted fictitious amount with recent date on Transunion and extort XXXX client to pay the amount. I have XXXX data Breach letter and reached out to Transunion and XXXX with no responses. thanks.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've consistently made timely payments on this account, avoiding any overdue issues. I'm puzzled by the reports of late payment remarks on my accounts. According to 15 USC 1666b, this billing error should be corrected.
Consumer complaint received 2024-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (GA)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I called transunion, and they gave me a scam number to contact regarding a credit dispute. The scammers took my info, I don't know what, I hope it was not my social. 

Transunion was negligent in this action. This caused me to compromise my identity. Now I can not apply for apartments. 

I would also like to report the scam. The number is XXXX. They were posing as XXXX XXXX when I had a question about my credit report. But TRANSUNION GAVE ME THE NUMBER IN A LIVE AGENT CHAT. 

The scammer called me back from XXXX several times. 

I want transunion to be held responsible as well.
Consumer complaint received 2024-05-19
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)

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, credit inquiries are only permissible under specific circumstances, such as with my explicit authorization. As I did not authorize these hard inquiries, they are in violation of this statute.

I am requesting that you : Investigate : Conduct a thorough investigation into these unauthorized hard inquiries.

Remove : Delete these unauthorized hard inquiries from my credit report.

Confirm : Provide written confirmation that these inquiries have been removed.

Attached to this letter, I have included a copy of my identification and any other necessary documentation to verify my identity and support my dispute.

I appreciate your prompt attention to this matter. The presence of these unauthorized inquiries is negatively affecting my credit score and financial well-being. I look forward to your swift resolution of this issue.

Thank you for your cooperation.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello! I had an old account with XXXX XXXX XXXX ( the original creditor is XXXX XXXX XXXX XXXX XXXX appearing on my credit reports erroenously for more than three years. The collection agency requested this account be removed with all three major credit bureaus effective XX/XX/year> however it still appears on my credit profile.The account number is XXXX. I have attached a letter from the collection agency confirming the account is paid, and that it should be deleted from my profile. Let me know if you need additional information. Thank you!
Consumer complaint received 2022-11-21
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. (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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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

15 U.S.C 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.
Consumer complaint received 2023-10-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Fig Tech Inc. (TX)

They approved without validation of income or proof repayment. Im self-employed, and my business income was consistently going down I had multiple overdraft fees in both my business and personal accounts. My credit card usage went up, and my credit score went down drastically over the past year. I was desperate for income due to medical bills, and this is by definition, predatory lending.
Consumer complaint received 2024-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-05-19
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 am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-05-19
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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

I deposited a check in Atm for XXXX. My XXXX. When deposited it the atm read as XXXX. This was on the XXXX of XXXX. I called bank and made the aware of the mistake and they would look into it. The bank ( Navy Federal Credit Union ). I wait the wait time and they put money in my current amount but not my available. I called the bank and they told me it was I bad check and be returned to the issuer XXXX XXXX. I have called XXXX XXXX they told that check has been cashed I been on phone with the bank and XXXX XXXX trying to sort this out. Today XXXX and nothing has been done
Consumer complaint received 2023-06-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (OH)

I recently made {$30000.00} on the trading brokerage Robinhood, but they have frozen my account and all transfers. I have spoken on the phone and verified my identity along with bank statements and they say they are working on getting it resolved with no specified time frame. I looked into it and it seems to be a common problem which ends in account deactivation and never receiving funds. They haven't deactivated it yet but their emails seem to point in that direction as they have offered me no help. I have done nothing illegal and I am going on a trip and need access to the funds. I sent a letter of intent to sue and if it is not resolved shortly I plan to do so, but I don't think I should pay lawyer fees when I have done nothing wrong. It says action is required to resolve issue but when I go to that page it just tells me to wait for 10 days they keep emailing me to verify identity when I already have in numerous occasions
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I havent received a credit report from Equifax. XXXX has responded. They are working with me diligently to get this problem solved. I dont believe their upload system is working properly. So I am going to submit the information here. I tried three times to submit the information on their website.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-19
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 xxxxxxxxxxxx XXXX is erroneously reporting a credit card account with a delinquent balance of {$4700.00}, XXXX shows another balance of {$7000.00} on the same trade line. account closed XX/XX/year>. I have disputed this numerous times to no avail. it keeps getting confirmed with no explanation. If the account was closed in XXXX  it should already have dropped off of all XXXX CRA 's. I do not recognize this account
Consumer complaint received 2023-06-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I have requested the Select Portfolio Servicing to review the issues and errors handling my mortgage account ( please ref. XXXX ). 
I have finally received the reply on my request on XX/XX/XXXX! It took a lot more than 60 day admission. I am replying to the company with repeated request to refund my prepayment penalty as I was forced to pay out my mortgage asap because of all the financial distrust they have created by XXXX ) not beeing able to identify the charges on my account and itemize the charges on the statements ( pls ref to the document copies attached ) XXXX ) adding my hazard insurance payments to my escrow with unexplainable up charges without a valid reason and without my consent. 
XXXX ) unacceptable customer service- countless dropped calls, not returned calls, customer service representative luck of competence and inability to address any questions regarding the additional charges, XXXX ) the representative variable explanations on my account charges, XXXX ) errors and discrepancies on my account ( e.g. my name misspelled, etc. )
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-05-19
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)

XXXX XXXX xxxxxxxxxxxx XXXX is reporting some credit card account with an open date of XX/XX/2003 with a. balance of {$7000.00} there is no account status, and no date of first delinquency therefore it will not be flagged to drop off of my credit report. I have disputed this erroneous information numerous times and the creditor consistently verifies and confirms this account with no explanation. They failed to provide me with proof of the debt throughout many disputes. This is not my account.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-20
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. (WA)

I am writing to dispute fraudulent activity associated with my identity : 1. Fraudulent Account : XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I have never had any association with XXXX XXXX XXXX. Please delete this account as it affects my creditworthiness. 2. A hard inquiry XXXX XXXX XX/XX/2022 appears on my credit report, this inquiry is unauthorized, it is fraudulent, please remove from my credit report. 3. Fraudulent Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, I never lived at this address, this address does not belong to me in a shape or form, please remove this address because it is fraudulent.
Consumer complaint received 2015-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MS)

On XXXX XXXX, XXXX, I got a letter from Nationstar saying I was 8 months behind. The XXXX XXXX, mortgage payment was credited back to my bank account. They XXXX said, I have not paid since XXXX XXXX, then they said, they were missing XXXX, each time I have provided my pay history of payments. Then they said, XXXX missing. I have review pay history and did not find XXXX payments missing. XXXX said, I was not behind prior to sending my loan to Nationstar. I have sent XXXX payments between XXXX XXXX, XXXX thru XXXX XXXX, XXXX. The last XXXX payments have not posted to my account. I have called and spoke to a different person each time. I was in a XXXX from XXXX until XXXX XXXX. During that period I did not get any notification of missed payments. A rep at XXXX advised that they received a payment from trustee in XXXX XXXX, and they returned it to the trustee since my loan is with Nationstar. Trustee stated they do not see a returned payment and they had not information that my loan transferred to Nationstar. 
I believe there are funds that I sent to pay my mortgage that have never been applied to my mortgage. Also, I believe that the primary interest in Nationstar is to have me to refinance the loan. I am not interested in refinance. I will pay whatever I owe. But, I want all funds placed on my account, if I sent a payment in that have not applied to my loan. 
I would like to pay on their website as soon as they free up my loan account to allow me to pay online. I would consider auto bill pay on their website but, again, my loan is not allowed to use that service. I would like to have an individual assigned to help with resolving all of the issues with my account so that I can may the normal monthly payments. 
I filed XXXX to pay my creditors. I was discharged after 5 years of paying ch XXXX in XXXX XXXX. Now, I want to increase my credit score and remove any negative data from my credit report. In good faith I have attempted to work with Nationstar and XXXX to resolve any issues with my loan.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (TX)

I noticed XXXX unauthorized charges from a merchant were made to my checking account that total {$27000.00}. I reported the issue to my bank. The following day my bank refunded XXXX of the charges and stated that indeed the charges were not authorized. However they are refusing to refund the other charges. My bank has refunded only {$1000.00}.