davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I have a mortgage with Nationstar Mortgage. In XXXX, 2015, made a payment which it was interest only. Today, when I was about to make the XXXX payment I realized that the funds were not applied, I presume because my plan changed to regular amortization. 
My complain is that I was not advised of the change during the last 60 days so I could refinance ; they do not send me any document in writing by mail, and by e-mail I was not warned to. I need to refinance my XXXX and XXXX mortgage that has been impossible since my mortgage is not owned by XXXX or XXXX XXXX, so it will be a no ending struggle with this company?
Consumer complaint received 2023-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

15 U.S.C 1681 section 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 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC (IN)

To be honest, my banks security is lack luster at best, I have a feeling that they are not honest about what is really going on in the background with compromised situations. And when you contact them, they give you what I beleive to be false information. My account has been compromised several times, and I have asked for a new account because it seems like someone is watching my account for big deposits, and they continue to say your safe, which I dont beleive. Flagstar Bank is the worst at being truthful with their customers and I have had enough.
Consumer complaint received 2023-11-21
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. (MA)

I am writing to dispute the presence of some hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

Inquiry Details : -- -- -TransUnion XXXX -- XXXX XXXX XXXX XXXX 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 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2018-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT Date Filed XX/XX/XXXX Issue Needing Resolution : XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX Credit worthiness has been impaired due to an antiquated system that the Department of Veteran Affairs does not comply with Federal regulations pursuant to Chapter 7, Title 11 United States Code ( Bankruptcy Code ).

Issue # 1 - Department of Veteran Affairs Loan #  XXXX was never included in our bankruptcy and was exempt even though they had to be notified as a secure creditor. 
Issue # 2 The Department of Veteran Affairs was not in compliance and should have removed said Chapter XXXX bankruptcy from our credit reports after 10 years from filing the Chapter XXXX petition. 
Background I am a XXXX XXXX XXXX XXXX having achieved the rank of XXXX and a XXXX XXXX Recipient. I purchased my home in XXXX XXXX, CA on XX/XX/XXXX for {$220000.00} and financed the purchase with a Cal-Vet loan through the Department of Veteran Affairs in XXXX, CA. On or about XX/XX/XXXX my wife, XXXX XXXX and I filed Chapter XXXX Bankruptcy # XXXX XXXX JB in XXXX XXXX, CA ( Exhibit XXXX ). On XX/XX/XXXX, we filed a Chapter XXXX Individual Debtors Statement of Intention where in item b. Property to Be Retained we reaffirmed our commitment to keep our home at XXXX XXXX ( Exhibit 2 ). 
The United States Bankruptcy Court XXXX XXXX of California on XX/XX/XXXX filed a Notice of Commencement of Case under Chapter of The Bankruptcy Code Meeting of Creditors & Fixing of Dates for XX/XX/XXXX at XXXX. The Department of Veteran Affairs did not file an objection with in their 30 day period ( Exhibit 3 ). 
On XX/XX/XXXX, The Order of Discharge Was Entered ( Exhibit 4 ). 
Our XXXX loan was paid off in XX/XX/XXXX and is still shown as by TransUnion is an Adverse Account in my credit report dated XX/XX/XXXX ( Exhibits 5 & 6 ). 
A call to the Loan/REO Division of the Department of Veteran Affairs in XXXX, CA on XX/XX/XXXX said that their system would not allow the removal of the bankruptcy even though they were notified as a secured creditor. It is not clear to us that a notification of a bankruptcy can penalize our credit after 10 years or XX/XX/XXXX when the Federal law requires it. I was advised that I would have to contact the various to credit reporting agencies remove the bankruptcy. 
In conclusion, I need the help of the CONSUMER FINANCIAL PROTECTION BUREAU as my credit has been severely penalized from the Department of Veteran Affairs since XX/XX/XXXX and its this same practice may be hurting other California VETS.
Consumer complaint received 2023-11-21
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. (MO)

From : XXXX XXXX to Trans Union 1. XXXX XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX  # XXXX 4. XXXX XXXX XXXX  # XXXX ( this just appeared, thus account was never reporting on my Trans Union prior to XX/XX/. Please remove and delete. 
I have formally requested the removal of the following information from my report : In XXXX, a XXXX XXXX card was opened under my name without authorization. I promptly contacted XXXX XXXX, requesting closure of the account due to its non-affiliation with me. Additionally, XXXX, identified as a collection agency for XXXX XXXX, does not represent any legitimate account of mine. Notably, both XXXX and XXXX have already expunged this information from my credit report and restricted XXXX XXXX 's access to my profile. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ATTACHMENTS
Consumer complaint received 2023-11-21
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. (PA)

I XXXX XXXX currently have some fraudulent accounts appearing on my credit report. 

XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2023 XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2023
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I XXXX XXXX XXXX XXXX in XXXX XXXX We are a small business that seeks to XXXX XXXX XXXX  to the community. We were part of the city of XXXX that XXXX XXXX XXXX during the pandemic thus saving lots of lives. We are proud of the work we have been blessed to do for our community. Now, being an independent business, we are faced with challenges that come and go. And one of the main challenges are satisfying our invoices from our wholesalers in a timely manner. For the past 2 years XXXX, Citizens bank on XXXX XXXX in XXXX PA has been charging us {$35.00} for every invoice/draft that's faced with insufficiencies in our account. The mind boggling thing is, if we had two ACH 's, Citizens bank would acknowledge the Ach 's, charge us {$70.00} for both Ach 's while in transit... The next day, even if we have sufficient funds to satisfy the Ach 's, Citizens returns both invoices back to the wholesalers and charge us another {$70.00} ... in total {$140.00} from our account... remember, sometimes we do not have sufficient funds in the account thus leading to the account being negative. We have been with citizens bank for over 3 years and they have refused our black owned minority female business a credit line and yet, we have passed over XXXX per year through their bank ... .in addition to the continuous ACH/overdraft FEES being charged from our business account. It takes a lot to switch banks especially when most of our wholesalers are connected to this business account. I might not have used the correct terminologies however it is highway robbery to charge {$35.00} as overdraft fees and another {$35.00} when the invoice is returned ... even if there are funds to fulfill the invoice...
Consumer complaint received 2023-05-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2018-10-24
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: Bread Financial Holdings, Inc. (TX)

Hard inquiries dated : XX/XX/XXXX : XXXX/ XXXX I spoke to them several months ago & requested deletion as such AND IT STILL APPEARS ON CREDIT REPORT. 

XX/XX/XXXX AND XX/XX/XXXX : XXXX XXXX XXXX XXXX I DID NOT APPLY NOR AUTHORIZE THIS INQUIRY XXXX : XXXX  XXXX XXXX I DID NOT APPLY NOR AUTHORIZE SUCH INQUIRY XX/XX/XXXX : XXXX/XXXX   I DID NOT AUTHORIZE SUCH INQUIRY
Consumer complaint received 2017-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Sent several letters and faxes to  XXXX , Transunion,  XXXX  requesting that information be removed that has not been validated with supporting documents/contracts. This has not happen.  XXXX , Transunion,  XXXX  keeps coming back stating the information has been verified, but will not respond to me requesting supporting documents to validate the account or information pertaining to who verified and validated the information from the creditor.  XXXX , Transunion,   XXXX   is violation under the FCRA.
Consumer complaint received 2023-11-21
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 recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that is not 100 % accurate. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next XXXX  days. I know that you have up to XXXX days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.
Consumer complaint received 2023-11-21
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. (CT)

These accounts from XXXX are fraudulent accounts and are not mine. Please remove ALL fraudulent accounts listed from my credit report. Accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hard inquiries dated : XX/XX/XXXX : XXXX/ XXXX I spoke to them several months ago & requested deletion as such AND IT STILL APPEARS ON CREDIT REPORT. 

XX/XX/XXXX AND XX/XX/XXXX : XXXX XXXX XXXX XXXX I DID NOT APPLY NOR AUTHORIZE THIS INQUIRY XXXX : BANK OF AMERICA I DID NOT APPLY NOR AUTHORIZE SUCH INQUIRY XX/XX/XXXX : XXXX/XXXX   I DID NOT AUTHORIZE SUCH INQUIRY
Consumer complaint received 2023-11-22
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. (CA)

XXXX XXXX account XXXX account has been paid in full got letters for the institution verifying account paid in full they keep on reporting it on my report ask for the original contract,
Consumer complaint received 2018-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Hello. I am filing a dispute against Capital One with the claim of False Advertisement for one of their products ; the Capital One Quicksilver card. In XX/XX/2018 I applied for this card because it was advertised 0 % APR on purchases for 15 months. Here is a hyperlink to the offer https : //www.capitalone.com/XXXX In the terms and conditions sections of the offer, which could be found in the hyperlink, it also states 0 % APR on purchases for 15 months https : //www.capitalone.com/XXXXXXXX XXXX XXXX. I applied and received the credit card based on that advertisement. 
In XXXX this year I was charged an interest payment of {$54.00}. I called Capital One on this date and spoke with XXXX ID : XXXX. She notified me that I received terms of conditions in the mail that stated my 0 % interest rate expired, and that I received terms and conditions which reflected my 0 % APR was only good for 9 months ( I do not recall receiving this notification ), not 15 months. She also stated that only qualifying members receive 15 months of 0 % APR on purchases. My disputes can be summarized with these points : After discovering the interest charge, I was notified by multiple representatives that the 0 % APR on purchases was for " up to '' 15 months ; however all advertisements state 15 months with no asterisks. I applied for product under terms and conditions that the 0 % APR on purchases was for 15 months, and all advertisements and terms and conditions of the application state that. Finally when Capital One states that I received terms and conditions that state my introductory period was less that 15 months, I not only deny that claim but again direct you to the terms and conditions that are stated online. Once again, no where in the Capital One Quicksilver Card disclosures does it state that the 0 % introductory rate is " up to '' 15 months ; the card was applied for and received based on the advertisements and the disclosures. I would not have applied for the card if 0 % interest rate for 15 months was anything other than advertised. I request that you review the hyperlinks and conclude whether or not there a reasonable person would believe that the Capital One QuickSilver Card comes with a 0 % introductory rate for 15 months. Thank you. 
https : //www.capitalone.com/XXXX XXXX XXXX
Consumer complaint received 2024-03-22
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. (NC)

I'm writing this to request the following fraudulent and inaccurate accounts be removed from my credit report for the following reasons listed these are clear violations of my consumer rights the IRS states If your debt is forgiven in collections or discharged by creditors for less then the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. 

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 15 US 1681e ( b ) Accuracy of report 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 whom the report relates. 

Producing without lawful authority an identification document or a false identification document ( 18 U.S.C. 1028 ( a ) ( 1 ) ) ; Transferring an identification document or a false identification document knowing that such document was stolen or produced without lawful authority ( 18 U.S.C. 1028 ( a ) ( 2 ) ) ; 15 US 1681 ( a ) and c-2 Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.
Consumer complaint received 2023-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Doing XXXX data breach, my information was stolen and there still is accounts and inquiers that are not mine. I had called XXXX many time and got no where. 
All so asked them about the date breach lawsuit and the money XXXX owes me.
Consumer complaint received 2023-06-12
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: TOYOTA MOTOR CREDIT CORPORATION (PA)

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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable