davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-03
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. (AZ)

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXXXXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number XXXX XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2023-03-12
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. (CA)

I have complained about XXXX XXXX in regards to a XXXX XXXXXXXX XXXX across Sport vehicle. Ive sent multiples complaints to XXXX, XXXX XXXX TransUnion. This particular account still exists and shows Im responsible. This account was supposed to be removed from my file months ago and the credit bureaus did nothing. It took more than the 30 day time limit to correct the issue and they ( credit bureaus ) have done nothing. I feel like Im being discriminated against based on the color of my skin. XXXX XXXX. They refused to help in this situation. The Company already expressed fault in this matter. All I need the credit bureaus is to delete incorrect inaccurate information from my credit file. Its the law and they continue to break it. Im not sure whom to trust but Im tired of filing complaints after complete. I will keep doing this until Im heard. Thank you.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I made a {$8500.00} deposit to my Bank of America checking account on XX/XX/XXXX via online banking remote deposit, the check I deposited was also drawn on Bank of America. Bank of America but a large dollar hold on the check systematically at the time of deposit for 7 days. All funds of the deposit were held until XX/XX/XXXX. I called Bank of America on XX/XX/XXXX to inquire why a 7 day hold was placed on a check drawn on the same financial institution and was informed that per Regulation CC the system automatically applies the hold and that no one at the bank can release the hold or review the deposit. My account has been open for over 10 years.
Consumer complaint received 2023-04-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc (CA)

I purchase an oven from this company. After the purchase I found out this company doesn't not exist. I had to finance the purchase with this company called Affirm. Affirm says they paid this company but they are not providing me any proof of that. it is impossible since they don't exist and I never received the product. how does affirm pay a company that does not exist. this was a total scam by both companies. I have sent them all the information. I have asked them to close my account. so far they are refusing. 
Close Out Deals ORDER # XXXX Thank you for your purchase! 
We're getting your order ready to be shipped. We will notify you when it has been sent.
Consumer complaint received 2024-06-02
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)

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 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX. 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 ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I never miss a payment. I am certain of this. I dont get why this company is marking me late for some months. USC 1666b states that billing errors should be corrected and shown as paid on time.
Consumer complaint received 2023-12-03
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. (CA)

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2023-12-03
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. (CA)

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX  | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. XXXX just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (MI)

AFFIRM XXXX- I used this company to make a purchase with a merchant by the name of XXXX XXXX in XXXX of XXXX  or XXXX. I never received the merchandise still til this day. I contacted Affirm after I paid off my loan with them and explained the situation to them. Affirm told me that the merchant has a no refund policy. In order to return something, you wouldve had to receive something. I reached out to the merchant several times and I couldnt get through. I contacted Affirm several times via phone, email and XXXX still no luck. I reached out to my FI ( XXXX XXXX XXXXXXXX ) explained to them what happened, and I disputed the transaction with them. I won my dispute with my bank. Affirm sent my account to a collection agency I submitted proof to the collection agency, and they stated they would no longer collect on Affirm behalf. Then Affirm popped up on my credit report Ive tried to reach out to them again as well as dispute this transaction with XXXX and they keep knocking it down. Affirm has sold my account to another debt collector and I submitted proof to them as well and they're no longer collecting on their behalf. Im writing this letter in hopes that this error is corrected before it turns legal. You're my last hope please help me. I've submitted all of my proof to XXXX and have no problem submitting it to you.
Consumer complaint received 2018-04-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (FL)

On XX/XX/2018 between my father and I we received 8 phone calls between XXXX-XXXX. 
No one was on the other end answering and no messages were left. If I didnt answer the phone they would call my dads personal number, if he didnt answer they would call his work phone number, then they would call me again. It was a never ending cycle for almost 3 hours.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

XXXX. On XX/XX/year>, I scheduled a payment to Citi Double Cash credit card using the XXXX  checking account XXXX. On XX/XX/year>, I found fraud activity and reported it to XXXX, the checking account was frozen due to investigation. 
XXXX. On XX/XX/year>, I saw a {$30.00} charge on my Citi Double Cash credit card for a " RETURN CHECK FEE '', I reached out to live chat customer service to explain what happened and the representative said I could get the charge waived the statement is out in early XXXX. 
XXXX. I called Citi customer service again in early XXXX, and the customer service suddenly said the charge could not be reversed. The same issue happened to my other credit card as well, none of them charged me such a fee, and I was able to switch the payment method much earlier than Citi Double Cash.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had my loans discharged and fully paid for by the UNITED STATES government back in XXXX/XXXX. The Obama  administration created what they call the PSLF - Public service loan forgiveness. Which is a program that we qualify for if we work full time for a public sector or a non-profit organization. We have to pay our XXXX  loans for a total of 120 payments ( 10 years ) and the remaining balance will be fully paid for by the government based on the consumer completing the required terms and conditions that was set forth. 

XXXX work for a public sector or a non profit organization recognized by the US . 
XXXX work as a full time employee for the non profit organization XXXX. Pay on time 120 payments ( 10 years worth ) of on time payment XXXX. Remaining amount of the loans will be fully paid for by the government after 120 payments. 

XXXX and XXXX reported that I fully met these conditions and loans were fully repaid in FULL. 

Transunion on the other hand listed my loans as " SETTLED- not for full amount '' and listed my loans under their derogatory section which is equivalent to bankruptcy or collections and is ruining my 40 years of building my credit My loans or any credit were never late for any company in my entire life. This within a single day dropped by credit score from XXXX to XXXX due to TransUnion listing my XXXX  loans as derogatory status even though it was fully paid for and up to date.
Consumer complaint received 2023-12-03
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. (MS)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 
XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-01-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Dear Nationstar c/o Office of the Comptroller of Currency Nationstar Customer Relations Department XXXX XXXX XXXX XXXX TX XXXX RE : XXXX XXXX XXXX ( d/b/a ) Mr. Cooper. Mortgage NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on XX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and .. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX attorney ; the Chapter XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Opened XX/XX/2022 I opened a BoA account " Safe Balance Banking Account '' from the app after someone opened up a BoA account using my husbands social security number. At the time, my husband couldn't get through to talk to an agent b/c you had to have an active account and know the last 4 digits of that or the last four of the debit card. He had no control of the account, so of course, he didn't have that. I opened up an account in an attempt to contact BoA and speak to a human. There was zero checks to see if I was who I said I was when I opened the account. They verify ZERO. The hacker that opened the account didn't even use a real mailing address. Ultimately, we were able to get my husbands fake account closed. I didn't delete my account b/c just in case there were further issues that we would need to contact BoA for. It's not obvious that they charge you a fee. So, fast forward. I now have a monthly fee. The rep told me they would waive and close and that has not happened. I have been forwarded to a rep for resolution. They have ignored multiple emails and voicemails.
Consumer complaint received 2023-03-11
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. (GA)

In accordance with the FCRA, the credit bureau 's have violated my rights under 15 USC 1681 Section 604 A section 2 states, a consumer reporting agency can not furnish an account without my written instructions. Also I have the rights to privacy according to 15 USC 1681 Section 602a. These accounts were furnished without my written instructions or knowledge. I've reached out to the bureau 's on numerous occasions and still no response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

I have inquires listed on my credit report that are inaccurate and unfamiliar to me. Any inquiry NOT attached to a current account on my credit report should be removed.
Consumer complaint received 2023-03-11
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: Experian Information Solutions Inc. (NY)

Under title 15 USC 1681a Federal law " exclusion ''. THIS IS A VIOLATION The mortgage company XXXX XXXX XXXX XXXX was asked to stop reporting negatively on my consumer credit report because this is illegal. this is also improper use and they continue to do so even though they were verbally asked. I will start fining these corporation for failure to comply with federal laws. 
inaccurate account amounts on all three credit reporting bureau non compliant mortgage company
Consumer complaint received 2023-03-11
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. (NY)

Under title 15 USC 1681a Federal law " exclusion ''. THIS IS A VIOLATION The mortgage company XXXX XXXX XXXX XXXX was asked to stop reporting negatively on my consumer credit report because this is illegal. this is also improper use and they continue to do so even though they were verbally asked. I will start fining these corporation for failure to comply with federal laws. 
inaccurate account amounts on all three credit reporting bureau non compliant mortgage company
Consumer complaint received 2024-07-20
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)

on XX/XX/year> I took a look at my credit report and noticed an unauthorized collection reporting on my report. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates. 

please investigate and remove the following fraudulent collection account ; XXXX XXXX XXXX XXXX XXXX I have knowledge of this account nor have I ever had relationship with the orginal creditor.