davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
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. (TX)

I trust this letter finds you well. I am writing to express my deep dissatisfaction and frustration with the ongoing challenges I have faced in attempting to remove fraudulent items from my credit file. Despite multiple attempts and extensive communication, the fraudulent entries persist, adversely affecting my creditworthiness and causing significant distress. 

Over the past several XXXX, I have made repeated efforts to rectify the fraudulent information on my credit report by following the procedures outlined by your organization. I have submitted the required documentation, filed disputes, and contacted your customer service representatives on numerous occasions. However, to my dismay, the fraudulent items remain on my credit file, casting a shadow over my financial standing. 

I understand that addressing cases of fraud can be a complex process, and I appreciate the importance of thorough investigation. However, the prolonged delay and apparent lack of progress in resolving this matter have left me feeling helpless and victimized. The impact on my ability to secure credit, favorable interest rates, and other financial opportunities is substantial and unjust. 

I request an immediate and comprehensive review of my case, with a focus on expediting the removal of the fraudulent items from my credit file. I have attached copies of the supporting documentation previously submitted for your reference. I believe in the integrity of the credit reporting system and trust that your organization is committed to rectifying inaccuracies promptly. 

Furthermore, I request regular updates on the progress of the investigation and the steps being taken to address this issue. Timely communication is crucial to maintaining transparency and ensuring that I am informed of any developments in the resolution process. 

If the fraudulent items are not promptly removed from my credit file, I may have no choice but to seek legal advice and escalate this matter to relevant regulatory authorities. I hope it does not come to that, and we can resolve this issue amicably and expeditiously. 

I appreciate your immediate attention to this matter and your commitment to rectifying the inaccuracies on my credit file. Thank you for your prompt action in resolving this critical issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} 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  Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-07-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

XXXX originated XXXX loans for this customer at time of purchase XXXX years ago and is currently servicing only the XXXX mortgage. The XXXX lien with loan number XXXX was sold to XXXX then to Aurora Loan Service which is no longer in business but their loans were transferred to Nation Star. I called Nation Star and they can not locate the loan at all. The customer has never had correspondence with the mortgage company and stated no payments were made on this mortgage. I would like to file a complaint against Nation Star Mortgage on the customer 's behalf and request that they release this XXXX mortgage lien.
Consumer complaint received 2024-08-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paypal Holdings, Inc (TX)

XX/XX/year> I went online to XXXX to purchase 10 clothing items total {$380.00}. One item was ordered twice on XXXX XXXX Refunded for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was sold out, You can choose something else with the similar price from our website. Just tell us the name/size/color of the item you want. If you do not need, we will issue the refund, wait for reply. 5 of the 9 items left were unavailable. I requested a refund for those items. The remaining 4 were received after 3 weeks. Ive repeatedly asked for my funds to be refunded. They were paid through PayPal I opened the dispute with then XX/XX/year>. Refund everything that isnt available. This has already damaged the relationship between us. Too long to receive and now this. Its safe to say this is my last time shopping with you. I will also share my experience in XXXX reviews as I am a consumer guide. 

On Sun, XX/XX/year> at XXXXXXXX XXXX XXXXXXXX wrote : Your package has been dispatched and I've just checked its progress. And the tracking information will update in few days. 

We would like to offer a 20 % discount code for your next order if you can choose something else to replace, ok? 

Tue XX/XX/XXXX XXXX XXXX 2024 '' XXXX '' XXXX : Cancel my order please. I was under the impression this company was based in the US. The name is very deceptive. The time has passed 10 days since I ordered and not getting what I ordered on top of that. Tracking number is not valid either. Scam!!!! 
Could you please close the dispute on PayPal first so that we can issue the refund immediately? 

Tue XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX '' XXXX : No, just cancel the entire order and refund my please. Thank you.I understand you are concerned about the refund however you have opened a dispute on PayPal so we are not able to process it. Could you please close the dispute on PayPal or the chargeback on your card first? Then we can issue the refund immediately. 

Wed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' XXXX : No, I will not! 

On Tue, XX/XX/year> at XXXXXXXX XXXX XXXXXXXX wrote : Could you please close the dispute on PayPal first so that we can issue the refund immediately? 

Over a month later Im trying to get my money back from this company and PayPal for items I never received but have paid the loan for. I was to make 4 pmt to complete the purchase amount and the last pmt is today. I have not receive the money or my item last 5 that were not available XXXX has deceived me as a consumer and are refusing to refund my money for goods not provided and PayPal is trying to collect my money from them
Consumer complaint received 2024-01-29
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. (RI)

Transunion, XXXX and XXXX per 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved Thank you XXXX XXXX XXXX
Consumer complaint received 2024-07-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

i refinanced my mortgage to pay off debt. the company issued me 10 checks to pay the creditors 8 of the debtors posted the checks, some even sent me refunds for over payment. however capital one which i had 2 accounts did not post the payments. claiming they lost the checks, so i had to void the first 2 and send 2 more to replaced what they lost. i resent new checks with tracking which i paid usps for. they recieved those checks stating they have 7 to 10 days to post. in the mean time wanting me to pay payments and late fees, however if they would have posted the first set of checks the would haved owed me.their refusel to post my payments is an attempt to collect payments and fees i should not be responsible for. out of 10 checks mailed the 2 capital one checks are a problem they even reported late payments to the credit breau.
Consumer complaint received 2022-12-08
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. (AL)

N accordance with the fair Credit Reporting act XXXX account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the rights 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 XXXX XXXX account XXXX
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (IL)

This complaint is in reference to Comenity Capital Bank located in XXXX, Ohio. It is the bank adminstering the credit card of XXXX XXXX. In the fall I made a purchase and was offered a discount based upon acceptance of their credit card. I agreed to get the card. The total purchase was {$56.00}. The next billing statement I got assessed a {$34.00} interest charge because I was a couple of days late making the payment. This amounted to interest in excess of XXXX XXXX  of the original charge. I called to protest the interest. The next month I received a bill for {$70.00} which they claimed was XXXX interest charges ( XXXX times {$34.00} is {$68.00} ). I called to cancel the card. I told them I objected to the excessive interest. They started making harrassing calls to my cell phone sometimes several times in one day. They told me that I owed them the {$70.00} for the XXXX months and that they would continue to add interest charges to their billing every month. I sent them a check for {$70.00} which they cashed on XX/XX/ 2023. In the interim they sent a complaint to all the credit rating agencies. To my knowledge this has not been corrected. My complaint is regarding the outrageous interest they are charging, filing a complaint about me with the credit agencies, their failure to correct their complaint and their heavy handed approach to collections.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I signed up for a Bank of AMerica credit card for the express purpose of a balance transfer of {$2400.00}. When I set it up I was guided by a customer service representative to set up {$300.00} automatic payments until my card was all paid up, as to never miss a payment, since I was trying to improve my credit score. The service representative made my first payment larger to cover the fee. However, she must have miscalculated because when I finished paying my card ( with a perfect record ) there was a balance of {$37.00} left. I did not know this and the bank never contacted me to let me know my automatic payments were not covering this - instead, after one missed month, they reported me to the credit bureau for being delinquent and seriously hurt my credit score. Upon weeks of inquiring I was given several conflicting stories. One customer service rep said it's my fault for not opting in on the website to change my automatic payment to minimum payment and thats why the bank didn't accept my payment. Another rep said the original customer service rep signed me up for " forward payments '' and miscalculated the {$37.00} because they don't even offer automatic payments. Then someone said they do offer that and on and on. I was also told by two managers the case had been resolved in my favor only to find out it wasn't. I even had a lawfirm contact them. They just keep giving me the run around and won't change the reporting to the credit bureau ( I of course paid the {$37.00} immediately after the credit bureau brought it to my attention! ). Bank of America can not keep doing this to innocent customers. They can say its not a bank error all they want, but they are a client facing service and their customer service reps miscommunicated from the very first day and continue to do so and I have been unable to fix my credit report. This is not ok. Bank of America is acting like a thoughtless, careless, entitled bully and just hurting hard working peoples credit scores which negatively impacts their life in serious ways. WITHOUT EVER CONTACTING ME TO LET ME KNOW THIS WAS AN ISSUE! That is a c-r-a-z-y.
Consumer complaint received 2024-01-29
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. (UT)

i have several accounts on my transunion report that are identity theft. 
XXXX XXXX acct # XXXX balance of {$7200.00} last reported XX/XX/XXXX XXXX XXXXXXXX acct # XXXX balance of {$380.00} last reported XX/XX/XXXXXXXX XXXX XXXX acct XXXX {$1200.00} XXXX XXXX  acct no XXXX {$210.00} XXXX XXXX XXXXXXXX XXXX XXXX  acctno XXXX {$400.00} transunion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
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)

I have previously tried contacting all 3 bureaus to little to no avail. In order for them to be in compliance with 15 USC 1681-c-2 and 12 CFR 1022 Regulation V, for them to remove and/or block the following information : 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 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

In XXXX of XXXX an account was opened in my name with USAA Bank and the person maxed out the {$20000.00} credit limit without ever making payment. The addresses used to obtain the credit card were not my addresses, which USAA would have known if they had even bothered to cross-check with their other divisions. We do carry a homeowners and auto insurance policy with them both written for the state we live in and our permanent residence there. In addition, we had an active homeowner 's insurance claim and an auto accident claim ( both in our resident state ) around the same time as the credit card being opened. I have only ever lived in XXXX states, neither of which were used to open the fraudulent account. 
My identity was leaked by the background checking firm engaged by the XXXX XXXX XXXX of XXXX when I was a volunteer at a local church back in XX/XX/XXXX. My information has also been leaked in numerous health insurance and other company breaches ( almost too many to count. ) In XX/XX/XXXX I was made aware that someone had opened a fraudulent account in my name with USAA Credit Card Services when I was contacted by a collection agency that had purchased the debt from USAA.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I hope this letter finds you well. I am writing to formally request the removal of a charge-off entry from my credit report. I understand that this account XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance : XXXX and subsequently reported to your bureau. 

I have taken significant steps to address and rectify the financial difficulties that led to the charge-off, and I would like to kindly request your assistance in removing this derogatory entry from my credit report. 

I acknowledge the financial challenges that led to the charge-off, and I take full responsibility for the situation. However, I believe that the circumstances surrounding this charge-off do not accurately reflect my current financial standing. 

I kindly request that you investigate and verify the details of this charge-off. If it is found to be inaccurate or incomplete, I request its immediate removal from my credit report. I am committed to rebuilding my credit and maintaining a positive financial profile. 

I understand that the reporting of accurate and up-to-date information is crucial for the integrity of credit reports, and I appreciate your attention to this matter. Please inform me of the results of your investigation and the steps taken to update my credit report. I am asking for your assistance to remove this charge off account in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rozlin Financial Group, Inc. (GA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ROZLIN FINANCIAL GROUP L HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A STATE I HAVE THE RIGHT TO PRIVACY, 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CANNNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 166B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

I sent an letter which is attached stating I discovered an unauthorized account listed. Under 15 USC 1681, it is clear that this account was added without my consent, and therefore, I demand an immediate removal. 

Experian came back that this info was verified. 

I respomded with letter attached that assertion that these items were verified is unfounded and fails to meet the criteria outlined in my original complaint. 

Please be reminded that my initial correspondence explicitly demanded either physically verifiable Metro 2 compliant proof or immediate deletion of the challenged items. Your response did not satisfy these requirements. 

I have not had a response with proof.
Consumer complaint received 2024-01-29
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. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-01-29
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. (CT)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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