davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MD)

I own a condo in XXXX and fell behind in my condo fees because of a dispute. The condo assn filed a document threatening to sell the property at auction XXXX XXXX, 2016. I am XXXX % current on my mtg payment. This dispute is about condo fees and the bank 's collateral. I understand that the property is collateral for the loan. I wanted them to be aware of the threat to their collateral. 
As soon as I rec 'd the doc, I forwarded it to Nationstar Bank. I called them several times and sent emails and they told me repeatedly, someone from the legal dept would return my call. This went on for weeks. I hired an atty who was able to get them moving. When I did hear from their atty, XXXX XXXX, he requested, on the day of the auction, an extension. He stated that his office needed more time. Obviously, this was not acceptable to the board. I borrowed some money and I wired the funds when I did not hear from Nationstar atty. Unfortunately, the board atty, XXXX XXXX, said it was too late. I have no way of verifying what time the money was received by the other side. Now, my bank will not talk to me without an atty!! How do I get any service without paying an atty?. This can not be happening in America.
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

I'd like to report an identity theft in my credit, there are inquiries and an accounts that do not belong to me .Please help me to remove these items from my credit report, they have cause great harm to my ability to get credit.
Consumer complaint received 2024-04-15
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. (TX)

I did not authorize nor applied credit for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/24 ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/24. PLEASE REMOVE THIS FRAUDULENT INQUIRIES FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to formally complain about the inaccurate credit information currently reported by your agency. The inclusion of the following information in my credit profile has adversely affected my good credit standing, leading to a wrongful denial of credit recently. 
As per credit reporting laws, it is imperative that bureaus report only accurate credit information. I believe the inclusion of this inaccurate information is a mistake, either on your part or the reporting creditor 's. This mistake has not only been highly embarrassing but has also negatively impacted my lifestyle. 
I kindly request the prompt verification and deletion of the following information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I appreciate your swift attention to this matter and request the removal of the aforementioned information as quickly as possible. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-12-05
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. (MO)

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 2024-01-22
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: Credit Karma (GA)

XXXX has run soft credit pulls on my credit without my permission and have allowed other soft pulls that I did not authorize. 

XXXX has XXXX credit matches for credit promotion on my report. 
XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Credit Karma XXXX XXXX
Consumer complaint received 2018-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NJ)

I ordered windows and installation for my house with XXXX company on XX/XX/2018. The window is a special order. ( measured of my windows ). I was told the windows would be delivered on XX/XX/2018. However, I was notified that the windows would be delayed till XX/XX/2018 and installation is no time to be scheduled. I contacted XXXX XXXX on XX/XX/2018 and was advised that I had a choice to pay windows ( material ) at the signing contract, and then pay the installation fee when the windows are being installed. I told XXXX that I was not advised nor offered such option. Since, my windows ' delivery date is not certain and I wanted to have the installation refunded. 

XXXX XXXX XXXX XXXX executive office told me initially that I could get refunded of installation fee on XX/XX/2018. On XX/XX/2018, she told me that I couldn't get refund. 

I contacted TD Bank which issued my credit card to dispute {$3000.00} of the supposed installation fee which have never been provided. A representative of TD Bank told me that it would take 90 days to investigate the dispute while I have to pay the money for the service which I did not receive. 

I am forced to pay TD bank for the charges of service I did not receive. 

TD Bank is supposed to protect consumers ' rights. It has failed me in that it did not take my dispute seriously nor offer conditional credit for the amount of money I disputed.
Consumer complaint received 2019-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (AR)

This company is unknown to me. I dont have a personal, professional or financial relationship or responsibilities with them. I have never signed any documents agreeing to a financial account with them. The derogatory remarks that are being left on my credit reports are degrading and unfair. If this company has any information about me, it is unverifiable and in non valid. I want this detrimental information removed from my credit information from each of the major credit bureaus as soon possible.
Consumer complaint received 2023-12-05
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. (GA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights . Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 2023-06-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc. (CA)

ON XX/XX/XXXX, at XXXX ( PST ) a man served me with papers. Reading papers it was from XXXX XXXX. A bill from XXXX. Contacted XXXX to find out what bill this was since I never received any notification that a bill was in jeopardy. Was told account was sold to Creditcorp. They in turn stated the bill was OUTSOURCED and was unable to give any information and contact attorney that is doing, but the attorney is requesting by the court for me to locate documents proving I don't own this account. If I can't get original documents or charge off paperwork how can I prove anything? No communication from anyone by phone or mail has been received. 
XXXX XXXX
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (IL)

I filed a dispute with Chime or XXXX XXXX XXXX due to me not receiving goods or services from a vendor. I have attempted to resolve this with the merchant but havent been able to receive a response from them. I filed the dispute on XX/XX/XXXX. I submitted multiple documents with evidence that I didnt review what I paid for but I cant seem to get Chime to review these documents and approve my dispute. On XX/XX/XXXX I received a rejection letter from chime. I requested on the day for the documents that they used to determine my case and I still havent received that. I have requested these documents XXXX times and havent received anything from them.
Consumer complaint received 2023-12-05
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. (IL)

TransUnion is reporting hard inquiries on my report that I did not authorize these hard inquiries are not known to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (NJ)

I have made several balance transfers to US bank on which I have paid fees up front and which carry a 0 % interest rate for a period of XXXX to XXXX  months depending on the then current terms. 

XXXX of these transfers was for {$170.00}, and was to have a 0 % interest rate that expired with the XXXX of XX/XX/XXXX, this is shown on the attached XX/XX/XXXX statement with a closing date of XXXX, on page XXXX, the XXXX line. 

The XXXX statement closed on XXXX, as shown on the attached XXXX statement, so the 0 % interest on the {$170.00} balance transfer ended on XXXX. On page XXXX of this XXXX statement it shows that I paid the full {$170.00} amount on XX/XX/XXXX and it posted to the account on XX/XX/XXXX, which is XXXX days before the 0 % interest rate was to expire. Therefore no interest should have been due on this balance transfer. 

In the XX/XX/XXXX statement for activity ending on XXXX, on page XXXX, there is an interest charge of {$2.00} related to this {$170.00} balance transfer, when {$0.00} interest was due. I texted with a representative of US Bank today for some time trying to resolve this issue without success. I was repeatedly told that the interest charge was for lagging interest, but if the amount was paid before the expiration of the 0 % rate there should be no interest. 

I know this is not a lot of money, but it is not correct and if this is US Bank 's policy then possibly millions of customers are being charged these incorrect interest charges, resulting in millions of dollars in fraudulent charges and profits for the bank. I stood by end of the deal and I expect US Bank to stand by their end of the deal and not try to change the terms at the very end.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

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 XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-05
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. (GA)

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

Account Name : 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 has violated my rights. Or list of inquiries 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 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Mortage company XXXX. Filed for XXXX XXXX XXXX in XX/XX/XXXX in Delaware. XXXX stopped reporting made payments shortly after. After I realized they stopped reporting I made several attempts to get them to report to the 3 credit bureaus. It is not a federal law preventing them from reporting just an internal memo from XXXX itself. I was made aware from XXXX the only way to get the bankruptcy removed and have XXXX start reporting again was to refinance with a new loan number. I tried that in XXXX and was denied by XXXX for lack of revolving credit. I have had multiple disputes with all 3 credit bureaus to get the balance and made payments correctly adjusted. I have attached year end XXXX, XXXX, and recent monthly statement to back up my claim. I have had no success as it shows closed on credit reports with missing/incorrect information. This has caused irreputable harm to my credit and will never be able to obtain a loan again also scores have dropped very low, XXXX is now a XXXX. I have never had any missed payments in the 4 years since filing for bankruptcy. Please force them to report accurate information showing updated balance and made payments on time. XXXX has confirmed the bankruptcy will always be attached to my loan number. They will never report again even after bankruptcy is complete. And according to them I will never be able to re finance because of no credit.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-11-19
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PAY-O-MATIC (NY)

On XXXX XXXX 2018 I received a phone call from an Employee at Payomatic threatening me with my life and making all sorts of anti-Semitic comments. All phone calls and all threats were recorded. I also have threatening texts from the same employee. I contact Pay-O-Matics department of Human Resources. I spoke to a XXXX and left a voicemail for a Mrs. XXXX. I also call to speak to XXXX and XXXX and could get no response and or action. I am asking for an email address where I could send all recordings and I would like this matter dealt with immediately. I would hate to include CFPB in a lawsuit as well for protecting Pay-O-Matic in an anti-semitic attack.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (CA)

With accordance of the fair credit act this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604 A section 2. Also states a consumer reporting agency can not furnish an account without my written instructions, under 15USC 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit path as late for any purpose.
Consumer complaint received 2023-12-05
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (GA)

I'd like to report an identity theft in my credit, there are inquiries and an accounts that do not belong to me .Please help me to remove these items from my credit report, they have cause great harm to my ability to get credit.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX ACCOUNT XXXX XXXX HAS XXXX XXXX RIGHTS XXXX OF XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXX XXXXXXXX XXXX XXXX XXXX VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX  ACCOUNT # XXXX  HAS VIOLATED MY RIGHTS XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXXXXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX ACCONUT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES | 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
Consumer complaint received 2023-12-05
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 XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.