davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
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)

on XXXX. My account was transferred from XXXX XXXX to XXXX XXXX XXXX XXXX. When this happened, My account was listed as CLOSED with all credit reporting agencies, Trans Union, XXXX, and XXXX. On XX/XX/XXXX, My account was added back to XXXX. In XXXX of XXXX, my account was added back to XXXX. As of Today XXXX. 14 months later, My account is still not on my Trans Union credit report as an Open account. It is still CLOSED. I have made ALL payments on Time. I have contacted the credit union directly multiple times. Evidently the employees I have spoke to Do not clearly understand what they need to do to fix my credit report. It is not the reporting agencies that have the issue, it is XXXX XXXX XXXX XXXX XXXX XXXX that has the issue with reporting my account correctly. I recently checked my XXXX report and saw that the balance on my account had not been updated since XX/XX/XXXX. I sent a dispute through XXXX on XXXX for the balance to be updated. On XXXX I received notice that the account was Closed. The account is still Open with a balance. 
Currently only my XXXX report is correct. 
The last time all of my reports were correct was XXXX
Consumer complaint received 2015-12-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NC)

I have been trying since the XX/XX/XXXX to get my mortgage remodified. I have been denied this request 3 times by Nationstar. The last two times I feel are erroneous and I just submitted a 4th request. 
I have XXXX income, I eliminated by debt by filing Chapter XXXX bankruptcy, I totaled my car and have no real bills to pay and by doing so I reduced my monthly expenses by over {$1000.00} a month and yet Nationstar claims I still do n't qualify. I went thru XXXX and they ran the numbers and they said I was eligible. How can I still not qualify for anything after eliminating a huge amount of debt? And I keep getting the same exact denial reasons which ca n't be true because my monthly debt has been significantly reduced?! I am confused. Nationstar wants to continue denying my request so they can foreclose on my home and take it. They are not trying to work with me and their continuous denials of my request for mortgage assistance is a veiled attempt at stealing my home. Please have someone look into this. This has got to be against the law. I work very hard and am dong the best I can but how can I compete with a greedy mortgage company who is giving me the run around so they can steal my home?! Help! If you ca n't help then tell me who can because I am in dire need of assistance. Please do n't let them take my home!
Consumer complaint received 2023-09-25
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: EQUIFAX, INC. (CA)

I have had a number of recent unauthorized credit inquiries added to my credit report and needed a correction or removal of all inquiries from XX/XX/XXXX  to recent to be deleted from my credit reports immediately due to unauthorized hard credit inquiries. Companies told me that this would be a, " soft credit check. '' I did not authorize any hard credit checks and ask for their immediate and permanent removal from my credit reports.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm a survivor of wholesale fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data straightaway would be extremely valuable. We are hoping to purchase a house. Kindly assistance
Consumer complaint received 2023-02-14
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: EQUIFAX, INC. (TX)

I am requesting again in regard to the inaccurate and unverified items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

XX/XX/XXXX : I purchase a new XXXX XXXX from a local dealership ( XXXX XXXX  ). I finance the balance of my loan though Toyota Financial Services ( approx XXXX of $ XXXX total ) XX/XX/XXXX : my XXXX  account is set up online, and I set up autopay of {$760.00} per month AS LONG AS there is a balance owed to XXXX  ( per the contract ) XX/XX/XXXX : I come into a extra money and decide to pay off the loan amount. Their website is LESS THAN FRIENDLY when it comes to making ONE TIME PAYMENTS. I post the payoff amount ( approx $ XXXX ) and XXXX  refuses to take it. I contact XXXX customer service. They FAIL to explain things the first time I called. I call back and it seems ( after I figured it out ) that only {$4900.00} can be taken as a ONE TIME PAYMENT. Since I owed over $ XXXX, from XXXX XXXX I made four ONE TIME PAYMENTS of {$4900.00}. That left my payoff amount on XXXX XX/XX/XXXX of {$1800.00}. I make one final ONE TIME PAYMENT of {$1800.00} ( enough to ensure its paid off ) on XXXX XX/XX/XXXX. THEN, they STOLE ANOTHER AUTOPAY of {$760.00} AFTER the PAYOFF AMOUNT had been posted XXXX XX/XX/XXXX : I received in from the USPS a check from XXXX  for {$13.00}. WHERE IS MY TITLE? WHERE IS THE {$760.00}? THESE CRIMINALS HAVE STOLEN MY MONEY AND REFUSE TO SEND IT AND MY TITLE TO ME.
Consumer complaint received 2023-08-31
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. (NY)

I reviewed my Consumer Reports and noticed that I had One late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( XXXX XXXX XXXX ) : ( Account # : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-22
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-22
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-20
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 filed a complaint about this account earlier for incorrect information reporting, you did investigation and said information is accurate which is not true. In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. Account Name : XXXX XXXX account number : XXXX you have this account as closed with a balance of {$77.00}. but this account is fully paid-off and balance on it should be {$00.00} i have attached email confirming full payment of this account. 

I have attached letter from company acknowledging account paid-off since you guys keep instigating and only indicate account charge off and closed and not indicating its been paid-off
Consumer complaint received 2023-12-22
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)

I XXXX am Opting out of Any Permission of per XXXX  XXXX as A Federally Protected Consumer. I am now Opting out Of Any And All Authorization. I the Consumer may have given you Written or Unwritten. Verbal or Unverbal 15 USC 16802. This is Effective Immediately And Indefinitely.. XXXX, XXXX, Transunion, has been Violating 15 USC 1681 . Also they have been Violating 15 USC 1681 .Also they have been Violating the Privacy Act Of 1974 .Also they have been Violating 16 CFR 313. Also Violating 16CFR 433.1, 16 CFR 433.2, 16 CFR 433.3, FTC 1522. I have been going through this since XXXX.
Consumer complaint received 2024-04-20
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. (IN)

Dear XXXX XXXXXXXX, Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you, written, unwritten, verbal, and nonverbal Per 15 USC 6802. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (OH)

On or about XX/XX/23 I noticed a charge on my Paypal ( PP ) in the amount of {$350.00} rounded up. I called to have it removed from my PP account. PP through its alleged manager. XXXX XXXX ( or XXXX ) ( XXXX ) sent me a database in which to enter my claim for the {$350.00}. Credit. The PP database did not allow me to see my keystrokes, was very inforgiving and did not allow for correction of errors. Inadvertently I added a XXXX to my claim which made it {$3500.00} instead of {$350.00}. XXXX went ballistic and claimed he would be fired from PP for MY error. PP then proceeded, without court order, to invade my computer, lock it so I didnt have access to it and freeze my bank account, Then, instead of allowing me to send PP a personal or cashiers check which would have quickly cleared the matter, PP demanded through XXXX that I pay in gift cards issued by various stores ( XXXX , XXXX, XXXX , XXXX ). 

Im a partially XXXX XXXX years old war veteran and its difficult for me to walk, Because of PP, I had to go from store to store to store to purchase the gift cards ( because of daily XXXX XXXX limits on their amounts ). Its taken days to get the amount needed to repay PP. In the meantime, Ive not had access to my own computer or my own bank account. 

To say that PPs business practices are heavyhanded and XXXX like is an under statement.
Consumer complaint received 2023-08-31
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. (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  Account Number : XXXX Account Name : XXXX  Account Number : 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 2023-09-26
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. (MI)

i checked my credit report and noticed i had inquires i didnt make or authorize XXXX XXXX XXXXXXXX XX/XX/XXXX and also XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-20
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)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-12-22
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. (PA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 2023-12-22
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 checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-22
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. (VA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX 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 2023-12-22
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
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. (PA)

Experian disconnected my bank account with XXXX XXXX XXXX XXXX from their XXXX program. This program, they claim, can raise your credit score. However, my bank does not populate. I have asked that XXXX be added several times to no avail. My XXXX account was connected last year, but all of a sudden became disconnected. I need it reconnected but Experian is not offering a solution to this situation.
Consumer complaint received 2018-12-25
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

This company Captial one auto financial. Company has been abusing reporting on my credit report. They take three months to report good things on my credit. They instantly report bad things on my credit. I notice this in XXXX when I went to look at a new car. Car company ran my report and capital one 3 month behind. I had just paid then XXXX dollars. My car payment is XXXX a month. I called them and paid additional money on my account XXXX. Then I notice that my credit report was not changing. I called and asked them how can I get out of this loan. I informed them that I no longer want to be with this company with a loan. I was told that I had to pay the whole thing. I told them that I could only pay XXXX in XXXX. They told me that my account would be current. Next thing i know the called saying i owe them XXXX. I said I just paid XXXX. They told me that only counted for one month. I told them I was not behind. I was paid up the account. They never honored my XXXX  payment. Now they saying I am behind 2 months. However, i would like to know where the XXXX   went on my account .my credit score was XXXX and they have taken it down to XXXX. This is unfair practice.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

On the date of XXXX I filed a Police Report stating that I had been a victim of identity theft. I sent this report to Experian, XXXX XXXX XXXX XXXX XXXX. Along with dispute letters requesting that they show proof of the negative accounts being mine. However neither Bureau responded by showing proof.
Consumer complaint received 2023-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NY)

XX/XX/2022 we made a payment of {$3200.00}. THey did not apply our payment to our loan at all! they put this entire balance toward " unapplied funds '' - apparently there was an adjustment made to our payments owed whcih did not show or appear anyhwere on our app that we used to pay. We paid exactly what they ( TD bank ) requested. To our dismay we later received notification that there was an addtiional amount due of {$32.00}. 
We had no idea that not only had our payment not been applied but that the account was also short {$32.00}! Not too long thereafter I find my scores had dropped over 100 points. I called and argued my case and no one helped at all. All they did was say write a letter. I've written mulitple and this seems to continue to fall in the wrong hands. 


Not only has TD bank not repsonded to me- they responded to my husband when I wrote to them! They refuse to take responsibility for their mistakes. We paid what we were told was due. We should not be punished for their miscalculation
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XXXX, i sent letters requesting information to be deleted because it's not reporting 100 % accurate and complete by the FCRA law, per 15 USC 1681e ( b ) and the CRAs haven't deleted them from my credit report. also some outdated items as well.I attached a copy below for your reference.