davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2023, Bank of America allowed an unauthorized bill pay credit card payment withdrawal from my checking account in the amount of {$960.00}. I detected the withdrawal immediately the next morning and contacted the Bank of America " fraud department '' at exactly XXXX XXXX  when the bank opened on XX/XX/XXXX. I made a total of XXXX phone calls between XXXX XXXX and XXXX XXXX on XX/XX/XXXX. I was transferred and passed between various Bank of America offices in New Mexico, North Carolina, Mississippi, Alabama, Florida, and Texas. Those teams included fraud teams for credit cards, deposit accounts, debit transactions, bill pay, digital fraud, etc. Not a single one of those teams could open a fraud dispute. One agent told me she opened a dispute, but didn't. There was no record when I tried to verify the dispute. I was passed back and forth between the same two teams multiple times. It was a nightmarish bureaucratic exercise in futility as no " fraud '' team would take responsibility or had the authority to open a dispute until at XXXX PM after talking to XXXX different fraud agents for nearly XXXX hours, one agent found a way to open a dispute. Although a dispute may have been opened, I have to formal response from the bank and the {$960.00} has not been returned to my account.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX  Account XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to reach out to these companies to let them know that i do not owe them, but i am unable to get anything processed. I do not have any payment arrangement with these collectors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-06-10
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 XXXX XXXX XXXX. 

Account XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX XXXX : # XXXX XXXX, Account XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : XXXX XXXX XXXX, Account XXXX XXXX XXXX : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2024-06-10
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. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-06-10
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. (CA)

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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2023-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (LA)

I am writing to dispute an item on my credit report that contains inaccurate information. I've explained to representatives at the Company several times that this is not my debt and that I'm not affiliated with the primary account holder listed on this debt. I requested debt validation from the Company. 

I received two documents. ( 1 ) A statement with some else 's name on it. ( 2 ) A document with my name E-signed as a cosigner including IP address. The signature is not mine or wet. The IP dress is able to be looked up as belonging to someone in XXXX XXXX, LA. ( I've never lived in XXXX XXXX ). 

This should be removed from my credit report because : 1. The signature on the account does not match my true signature.

2. Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to be licensed or registered in the states where they collect debts. This collector is NOT licensed in the state of Louisiana to collect.

I can verify my signature with a license. I will not provide my license to the Company. It is the burden of the collector to prove this debt is mine, in which they have not done. They're not legally allowed to do business in my state. 

XXXX
Consumer complaint received 2019-06-19
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: Experian Information Solutions Inc. (GA)

Had a XXXX  XXXX XXXX that was total out paid every month they even sent a overpayment check back and report it me late had never been late ever
Consumer complaint received 2024-06-10
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 contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2024-07-31
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. (PA)

To whomever this may concern, my name is XXXX XXXX XXXX. I am writing this statement on my behalf to follow up on and delete the following information in my consumer reports. The items I am requesting removal from are all annotated in this FTC report. Per FCRA 15 USC Codes 1681i and 15 USC Code 1681g these accounts should not be reflected on my consumer report and violate my rights as a federally protected consumer. I am a victim of identity theft and did not apply nor provide permission for these listed accounts to be reported on my consumer reports. I am demanding immediate deletion and removal of the listed accounts.
Consumer complaint received 2024-06-10
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. (TN)

I defaulted on this vehicle loan more than XXXX years ago. This loan is still on all of my credit reports. I requested that this company give me proof of what this vehicle sold for at auction. I never received this information and it has been more than XXXX days. I also requested that the company give me proof of when this loan first went into default. I never received this information and It has been longer than XXXX years and I would like for this to be removed from my credit report as per federal fair debt collection act.
Consumer complaint received 2024-06-10
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. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-06-10
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. (VA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2023 claim amount {$2700.00} claim # XXXX of unauthorized debit card transaction claim denied by Bank of America. XX/XX/2023 claim amount {$1300.00} claim # XXXX of unauthorized debit card transaction claim denied by Bank of America. I have contacted Bank of America numerous times regarding the unauthorized debit card transactions listed above but the bank has denied my claims and refused to provide documents of support. Im the victim of the ( theft ) unauthorized debit card electronic funds transfers.
Consumer complaint received 2019-06-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance America, Cash Advance Centers, Inc. (TX)

On XXXX I called Advance America to pay off my loan. They refused to take payment. The rep stated I refinanced the loan so I have to pay {$200.00} on XXXX and then {$1000.00} on XX/XX/2019. They took the {$200.00} out of my account already XXXX. The contract states that I can pay off early. To me it looks like they are trying to get an extra {$200.00} out of me.
Consumer complaint received 2024-06-10
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 told the XXXX, Transunion, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g 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 suppose to modify accounts that isn't reporting correctly. 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 XXXX  instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information XXXX other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 
Account : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} Account : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00}
Consumer complaint received 2019-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

Dovenmuehle Mortgage Inc. outlined options for us to have PMI removal. One of the options was a new appraisal and proof of some type of significant update. We had a new roof put on ( significant update ) and our home value went up from XXXX to XXXX. Our loan is currently XXXX. The LTV ratio is well below 78 % now but the company REFUSES TO REMOVE THE PMI. They now state it needs to be below 75 % LTV ratio. Again, the original letter stated 78 % and now that the appraisal came back high enough, they have changed the requirements. We are obviously very upset that we spent over {$500.00} on an appraisal and are now refusing to honor the original terms.
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (CA)

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

XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # Ending in XXXX, XXXX XXXX Account # XXXX, XXXX, Account # Ending in XXXX, has violated my rights. 

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 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 rep agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency mu make any consumer report containing any of the following items of information Any other adverse item of information, other than records 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 2023-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CO)

As always, I sought to make my mortgage payment on the first of the month online. Mr. Cooper previously rejected a payment made through my bank, XXXX XXXX, so since then I used the online process. On XX/XX/XXXX through XX/XX/XXXX, the Mr Cooper website stated that there had been a cybersecurity incident, and no payments could be made. On the evening of XX/XX/XXXX, the site claimed to enable payments by alternate means. The Phone option failed to recognize my phone number four times so I could not use it. I used an unusual online one time process that said I had completed the payment and that it had been accepted. I took a photo of the alleged receipt. However, by morning that site said the payment could not be processed. I attempted to reach customer service by phone. However the Phone message said no customer service could be had. My bank statement shows no payment. The Mr Cooper site says no payment has been made. I tried to create a customer service ticket and sent it online, but four times the site said that the ticket could not be sent.. Despite the security incident, there should be phone service or some other functional service to clarify whether payment has been made. 

Mr Cooper has a history of extensive customer fraud. it is time consuming and frightening to deal with this entity. I can not afford to make more than one mortgage payment per month. 

I need to know whether my payment has been made. I have the photo that shows alleged acceptance, but as previously stated, I am unable to confirm payment and have some indications that Mr Cooper disavows the payment.. 

I do not know why this horrendous entity is not closed... .it is harmful to consumers and completely uncooperative and frightening to deal with..