davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
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. (PA)

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Transunion on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Transunion in over 45 days I will be suing Transunion in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit.. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.. 
XXXX TransUnion Account # : XXXX Installment Account Type - Detail : Auto Loan Bureau Code : Joint Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$10000.00} No. of Months ( terms ) : XXXX {$16000.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately The opening date for this account reported by Transunion is XX/XX/XXXX the reporting date for experian has XX/XX/XXXX This is reporting error .. this account is fraudulent and has to be deleted in 4 days!!!!! 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  TransUnion Account # : XXXX Account Type : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$690.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I , 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately I demand you to delete this account within 4 days!!!!! 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code
Consumer complaint received 2024-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (IN)

I paid {$75.00} to XXXX XXXX XXXX on XX/XX/2022. This was the whole amount and I paid out of pocket. Harris and Harris debt collection have been calling me for over 8 months now saying that I owe them {$120.00} for this unpaid debt. I have contacted them and they have no information on anything. I also called XXXX XXXX  and they said I do not have any outstanding balances and I am paid everything on the day of the XXXX. They are harassing me by calling me multiple times every single day and i have told them to take me off of their call list but they keep calling me.
Consumer complaint received 2024-02-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has sued me for an alleged debt. 

Bank of America never sent me documentation to validate the alleged debt. 

Bank of America used substitute service ( NOT personal service ) to serve the Summons & Complaint on my mail service. 

The individual served was not informed as to the nature of the documents being served. 

Personal Service was NEVER attempted at my residence or place of business. 

Plaintiff never obtained permission from the Court to perform substitute service. 

The individual served was not and is not an authorized representative for service of process. 

The court where the lawsuit was filed is a 30 minute drive away with reliable transportation. I lack reliable transportation. There is a XXXX  Courthouse ( the XXXX XXXX XXXX ) within walking distance of my home. The action should have been filed there. 

Plaintiff is fully aware and has been given documentation to prove that even if Plaintiff is successful in obtaining Judgment in its favor, I can in no way make restitution. 

I am turning XXXX XXXX XXXX. I am XXXX  XXXX. I am XXXX  and XXXX  XXXX. I am retired. I am unable to work. My sole income source is SSI. I rely on SNAP ( food stamps ) and Section 8 Housing for my subsistence. I own no real estate or luxury items or liquidable assets. I HAVE NO COLLECTIBLE ASSETS but the Plaintiff continues to harass me with the present lawsuit. 

I can not afford legal representation. I am having to fumble through this lawsuit on my own. It is costing me in ways I can not afford : mentally, physically, and financially. 

Plaintiff is in violation of the Fair Debt Collection Act/Rosenthal Act. 

Please help.
Consumer complaint received 2024-01-18
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. (FL)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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
Consumer complaint received 2024-05-04
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many Inquiries which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove any Inquiries which is found to be fraud due to identity theft. The dispute Inquiries do not belong to me. Please remove these Inquiries. 
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/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-01
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Dear Kohl 's Credit, I hope this letter finds you well. My name is XXXX XXXX, and I have been a loyal consumer of Kohl 's department store products for quite some time. Recently, I decided to acquire a Kohl 's department store card in order to improve my credit. I was advised to use the credit and promptly pay off the bill, which I diligently did everytime prior to usingthe Kohl 's charge card this day. 

However, on this occasion, I found myself without cash to pay the bill and resorted to using my debit card instead. To my surprise, the clerk informed me that I could not use a debit card to settle my charge card bill. I couldn't understand why, as I believed that debit is essentially the same as cash, and not everyone carries cash all the time. Unfortunately, the clerk couldn't provide me with a satisfactory explanation and directed me to pay online. 

When I attempted to pay online later that day, I was met with a message stating that I did not have a bill to pay. This was the second issue I encountered. It was frustrating not being able to make the payment online as suggested. 

Several weeks later, I returned to the Kohl 's department store with the intention of paying off my balance. However, when I inquired about my balance, the clerk informed me that they were unable to provide that information. They suggested that I simply make a payment without knowing the exact amount I owed. This posed a significant problem for me, as how could I be expected to settle my debt when the very institution extending the credit couldn't disclose the amount I owed? The clerk then asked if I remembered how much I had spent, and based on that, I made a payment from what I remember from what I remember that I bought to the best of my recollection. My purchase was {$85.00} so thats what I paid and the clerk excepted my payment in full. I collected the receipt and Haven't used the card again. 

I am writing this letter to kindly request that you remove the negative remark from my credit report. I believe these issues were not due to any fault of my own, but rather a result of the lack of clarity and consistency in Kohl 's credit card policies and procedures. It is essential that customers have access to accurate and timely information regarding their account balances, as well as convenient and reliable payment options. 

I have been a satisfied customer of Kohl 's for a long time, and I hope that this matter can be resolved in a swift and satisfactory manner. I look forward to your prompt response and the removal of this negative remark from my credit report.
Consumer complaint received 2024-05-04
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)

This is my new attempt to notify you that I am a victim of erroneous reporting and I submit to dispute this account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of this account in my credit file that resulted from an alleged erroneous reporting. This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on this is a mystery to me. As required by FCRA XXXX ( XXXX ) ( XXXX ) ( C ) Authority to decline or rescind. 
XXXX : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -XXXX XXXX  XXXX XXXX XXXX Balance : {$920.00} -- -- -- -TRANSUNION : XXXX XXXX XXXX Balance : {$920.00}
Consumer complaint received 2023-10-02
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. (NJ)

This information is not mine, it does not belong to me and I do not want it in my report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I requested validation for the bankruptcies dismissed appearing as public records in my file. The credit bureau stated they verified with US Bankruptcy courts. The US bankruptcy court informed they do not share or verify with bureau. 
Per Civil Case No. 3:15-CV-00443-MHL, James Jenkins , Et Al., v. Equifax Information Service , LLC, the source is unknown for their information on these bankruptcies and due to this, has violated the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-05-04
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$3000.00}
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION (FL)

It appears there was an account opened with you, i have been a victim of identity theft and have tried to reconcile this issue with your company more than once, The only outcome i have received from you is that this account was opened by me. This is very unsettling and illegal, please be advised that disregarding this means that you can be subject to a {$5000.00} fine and/ or litigation for not reserving my rights under U.C.C 1-308.4 ( i am reserving my rights under U.C.C 1-308.4 not to be compelled to perform under any contract or commercial agreement that i did not enter KNOWINGLY, VOLUNTARILY, AND INTENTIONALLY. I do not accept the liability of any compelled benefit or lack thereof, or any unrevealed contact commercial agreement. I have a right to sue you under the common law for violating my rights under the UCC )
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ALLY FINANCIAL INC. (PA)

I currently have a major credit card through Ally. It seems as though my transactions are limited, depending on certain merchants. They are not allowing a transaction to go through because they categorize the merchant as high risk. At this point, they can categorize any merchant as high risk and prevent me from using my actual credit card. Not being able to make purchases on my investment account is costing time and money. They tried to override the system and my card is still is not able to be used. I plan on taking a trip in the summertime, and I do not want my card to be declined because Ally decided to put certain companies on a higher risk. Im asking that you have them fixed their policies so us as consumers can use our resources as we wish
Consumer complaint received 2024-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I recently received a copy of my XXXX XXXX consumer report and I noticed some late payments/inaccurate information posted on my consumer report. 
XXXX XXXX  XXXX Balance {$470000.00} XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX Balance {$860.00} XXXX XXXX Balance {$510.00} XXXX  XXXX Balance {$250.00} XXXX  XXXX XXXX Balance {$470.00} XXXX XXXX Balance {$330.00} XXXX  XXXX XXXX Balance {$680.00} XXXX XXXX Balance {$150.00} XXXX XXXX Balance {$1000.00} XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-01-17
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)

I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX ) XXXX XXXX XXXX  Account # XXXX XXXX ) XXXX XXXX XXXX Account # XXXX XXXX ) XXXX Account # XXXX XXXX ) XXXX XXXX  Account # XXXX XXXX ) XXXX XXXX Account # XXXX XXXX ) XXXX XXXX XXXX Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My issue is with Bank of America and XXXX XXXX I previously submitted a FTC report to XXXX XXXX in reference to a Bank of America, acc # XXXX. XXXX XXXX  says they followed the law of the FCRA 15usc 1681c-2. A consumer reporting agency is obligated to block the reporting of any information in the consumer 's file identified as resulting from alleged identity theft. So I opened a bank account with XXXX XXXX  And a few days after XXXX XXXX frozen and or closed my account stating that Bank of America is rereporting something on my credit report that was blocked by XXXX XXXX. I sent a certified letter to Bank of America ( tracking # XXXX ) regarding the unresolved dispute and the unanswered dispute letter i sent. This situation is not only causing me undue stress but is also severely impacting my ability to manage my finances smoothly. the lack of communication and timely action from your end is exacerbating the situation. I kindly request your urgent attention to this matter to prevent any further complications. I believe that a swift resolution is in the best interest of all parties involved.
Consumer complaint received 2023-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (CA)

Date : XX/XX/2023 {$220.00} ( Not my debt ) Called XXXX, XXXX ( XXXX ) and was notified. I do not have a XXXX account Receive the letter from debt collection by Amercan Coradius International LLC
Consumer complaint received 2024-02-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (GA)

I have consistently applied for a modification over the past 10 years requesting they modify my interest only predatory loan from 10,8 % interest rate on a 15 year loan only fir this lender to ignore me and I get nowhere thru the servicing lender XXXX XXXX. XXXX XXXX wants to blame XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have done nothing to Consider modification and are trying to say I owe XXXX but yet if they foreclose they want to collect on XXXX and sell it to someone other than me and I lived there XXXX  years-because the loan recasted and they want to collect interest accrued from me but not the same amount on foreclosure steps. This was a predatory loan and I was not advised on how it recasts. They will not waive the interest of XXXX so I can make a payment
Consumer complaint received 2024-02-03
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am sending this to formally dispute the charge-off account listed on my credit report. The account in question is associated withXXXX  XXXX XXXX XXXX Balance : {$0.00} and it has a detrimental impact on my credit profile. Upon reviewing my records, I have identified discrepancies in the reporting of this charge-off, and I believe it is reported inaccurately. I hereby request a thorough investigation into the matter and request the deletion of this charge-off account from my credit report if inaccuracies are found.
Consumer complaint received 2018-04-01
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (SC)

My home is also my office so I routinely pay mortgage with a business checking account. Ive paid it this way for years. I received a letter dated XX/XX/XXXX from Mr. Cooper on XX/XX/XXXX. The letter also included my check for the mortgage payment due on XX/XX/XXXX. They had returned the check to me stating they were unable to identify account information even though I had included a payment stub and also had paid my mortgage using this checking account for years. I paid the installment immediately upon receiving the letter. Unfortunately, it was XX/XX/XXXX and exactly 30 days late at that point. Mr. Cooper reported it 30 days late to credit agencies ( actually two late payments even thought its one in question ) and its preventing me from obtaining a new mortgage. I plead with a XXXX XXXX XXXX via email ( XXXX ) and she refused my request to remove it even after I had proven and she concurred that the payment was received on XX/XX/XXXX. I have documents to support my claims. I believe Mr. Cooper is intentionally attempting to prevent me from being able to refinance my mortgage with another company.
Consumer complaint received 2024-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX {$13000.00} XXXX XXXXBalance : {$1200.00} XXXX XXXX XXXXBalance : {$300.00} XXXX XXXX XXXX XXXXBalance : {$520.00} XXXX  XXXX Balance {$5900.00} XXXX XXXX  XXXX Balance {$1100.00} XXXX XXXX XXXX  XXXXBalance : {$2200.00} XXXX XXXXBalance : {$7300.00} XXXX XXXX XXXX Balance {$310.00} XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX