davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
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. (FL)

Please delete this account and delete these 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
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This company have violated my Federally protected rights on more than one occasion. 

There are late payments on my account where that information should not be reported based on US code 6802. This law also states that no non-public information should be shared with credit agencies or 3rd party organizations. US code 1666b also states that that no credit card payment under an open end consumer credit plan should be treated as late for any purpose. 

15 USC 1681 also states I have a right to privacy and also state that a credit agency can put furnish anything without my written instructions. 

I have moved forward in filing a lawsuit on XXXX and XXXX. Transunion did remove items but if they do not continue to remove items I will be filing on all XXXX. This will be my second lawsuit on XXXX after one successful settlement.
Consumer complaint received 2016-06-06
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: NATIONSTAR MORTGAGE LLC (TX)

Nationstar Mortgage, debt collector, sent me an " ABANDONMENT OF ACCELERATION '' on XXXX XXXX, XXXX. However, XXXX agent foreclosed on the property on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Instrument XXXX was recored and executed in the XXXX XXXX Real Property records. 


CAN ACCELERATION BE ABANDONED AFTER THE FORECLOSURE SALE IS COMPLETED?
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The information provided on my credit report by XXXX XXXX XXXX Is incorrect and invalid information. Currently the account displays a derogatory account with number XXXX an account number that is inaccurate that I have never been associated with along with an invalid address. Please remove it from my credit report. 
Thank you kindly, XXXX XXXX
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 — Account information incorrect
Company: EQUIFAX, INC. (CA)

Upon reviewing my credit reports from Equifax, XXXX, and XXXX I have seen that my remaining balance on my auto loan is reporting inaccurately. As of XX/XX/, the remaining balance of my auto loan reported on all three of my credit reports is {$20000.00}. I am disputing the inaccuracy of my remaining balance.
Consumer complaint received 2023-08-25
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: SANTANDER HOLDINGS USA, INC. (FL)

To Whom It May Concern, This letter is a follow-up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act I have since XXXX of XXXX and XXXX sent a version of this exact letter to the companies that violated my Privacy and my credit report I do not have the exact dates but I'm sure you can look on my credit report and see where I disputed those inquiries I did not ask the company for any information only asked that they remove it from my credit report
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-12-12
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. (NV)

You, Transunion LLC Consumer Credit Reporting Agency are furnishing inaccurate and incorrect information that is in violation of 15 U.S. Code 1681, 15 USC 6802, Privacy Act of 1974, 12 CFR part 1022, and the Consumer Financial Protection Act ( CFPA ) The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for my personal and household uses. You and your inaccurate reporting have damaged my livelihood. Not only that, Transunion LLC has no operating jurisdiction in United States of America or to its citizens and if so show proof of jurisdiction and show proof of my wet signature giving consent or authorization. I am a human bodily flesh, who is not part of the United States XXXX XXXX but I am a United States of America non XXXX XXXX ; who you are imposing on and i do not consent or authorized to contract with XXXX or any of its subsidiaries. XXXX
Consumer complaint received 2023-12-12
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. (OH)

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, XXXX XXXX XXXX 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, XXXX, XXXX 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.
Consumer complaint received 2018-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

In 2011 I was diagnosed with XXXX ( XXXX XXXX XXXX  XXXX ) When I contacted the lender regarding any relief for my loans, they put my loans on foreberance and continued to charge interest on my loan. I was never offered an income based payment of 0 so that I would not accrue as much interest. I was always offerred the option where Navient would make money in interest. In addition, they told me that I had to be deemed XXXX XXXX due to the XXXX in order for them to assist me with other options. These actions on behalf of the lender have led my interest and fees to create a much larger loan amount. What can you do to assist. I can provide documents that prove my XXXX diagnosis and at the time I was living at the poverty level threshold. 
Please contact me if necessary ( XXXX ) XXXX XXXX Regards XXXX XXXX XXXX
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/2023 I made a mobile deposit. The check was in the amount of {$1300.00}. The bank made an error and only credited my account {$1300.00}. When my employer brought it to my attention that they shorted me {$40.00} I called the bank the first week in XXXX. I had to wait well over an hour for a customer service rep to get on the phone. She said that the bank would fix the error and we should have the credit by XX/XX/2023. As of today they have not credited us the {$40.00} that they shorted us and I have attempted to call them multiple times and have also utilized the online chat feature but have never been able to speak with a customer service representative. You are just kept on hold indefinitely. Even the Chat feature is unmanned ( transcript attached ). I tried the chat feature and called again today with no live person for over an hour.
Consumer complaint received 2024-04-18
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear sir, I have checked the review of your employee XXXX XXXX whose office is either XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . You have indicated in this review, that I have requested the re-issue of reward certificates in issue, which ending numbers are XXXX and XXXX. I have both unusable certificates with me, and I request your company to make them usable and can use for the purchase. If your company employee insists that I have had used them and taken them by the casher ( s ), and still I insist I have them, this employee should make these unusable certificates ending XXXX and XXXX just usable from your transaction terminal side along with other unusable certificates in dispute, with which XXXX more certificates were not usable today. 
Now, I have these ending numbers certificates. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since XXXX is considered re-issued certificate of XXXX and XXXX, your side does not have to activate ; therefore, I request you will re-activate all these ending number certificates, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I insist to re-activate all these XXXX {$10.00} reward certificates, which I have with me. I insist that I have not be able to use

them, casher returned them, and I paid by your company credit card. Also, I want to complain to this office itself, since I am not sure how many employees of this office has. I believe your employee breached my personal data by
uploading XXXX bills to CFPB without my consent. As I insist that I have all original certificates, this employee does not have the right to accuse me ; therefore, he does not have right to upload my bills as if he has some kind of authority to be able to upload in public. If your company do not consider this is not privacy breach, I request proper explanation. Also, the reward certificates, which were sent to me recently, were not applicable. So, please make them usable from your side.

And your company sent me a letter regarding the rate from the office addressed XXXX XXXX XXXX, XXXX, PA XXXX. Since I believe these documents should be sent from the headquarters from CT, I want to take cautious and report this document too. Previously, I reported that my reward certificates were disappeared ; therefore, I do not rely on this web account. So, I will continue to use paper bill. If the situation of identity theft has not occurred, I prefer to close this credit card account.

Also, I request the explanation on which matter I have consented. I never consented to receive account communications in electronic form. I request to show and prove my consent legally.

Finally, I expect your company re-activate XXXX reward certificates totaling {$70.00}. 
Sincerely,
Consumer complaint received 2023-12-12
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. (NY)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

1. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX XXXX. I never late on this account XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account. 


Thank You Sincerely yours, XXXX XXXX
Consumer complaint received 2021-05-14
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: EQUIFAX, INC. (UT)

I have several collections from US Dept of Education that are reporting inaccurately. I have contacted the US Dept of Education and they have told me to take it up to the bureaus. I have been disputing the account for some time now but nothing gets done. These accounts are all consolidated, I consolidated them a while ago. They should no longer be in collection status. Please fix as this is severely affecting me being able to move forward with my home loan.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2023-09-03
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: Experian Information Solutions Inc. (PA)

I XXXXXXXX XXXX have notice some unauthorized increase appearing on my credit reports. 


I did not authorize these inquiries XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXin Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-12-12
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. (OH)

I got a copy of my credit reports all 3 bureaus and noticed inquires accounts on my file that are not mines not authorized not verified The accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-18
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. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-12-12
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. (NJ)

This person never inquired if anything furnished on my report is accurate. They just took it upon their self to damage my reputation. 

As far as Im concerned all of the inquiries, hard & soft does not belong. 

They say that they reach out to the company to verify or validate but they never contact me to see if its the truth. 
Thats a violation under the FDCPA Everything furnished on my report as of XX/XX/ is inaccurate, false & miss leading ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2024-04-18
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)

I recently looked at my credit report and noticed incorrect information on my report. 
The information youre reporting is inaccurate on my credit report. You are reporting a late payment for XXXX for XXXX, XXXX, XXXX and XXXX XXXX This is not true, I was never late on this account. Also, a late payment for XXXX is not correct either. 
I request that you verify the information and update the payment history on this account as PAID, NEVER LATE immediately. 
After doing so please provide me with an updated credit report reflecting the changes.
Consumer complaint received 2024-04-18
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. (IL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VT)

XXXX payed the amount reported by my mortgage company on XX/XX/XXXX. My mortgage company is still showing past due and is charging me past due charges. 
I want these past due Charges removed and I want the payments applied to my account properly.. 
payments made and not credited.. 
XX/XX/XXXX {$19000.00} XX/XX/XXXX {>= $1,000,000} XX/XX/XXXX {$32000.00} Mortgage number XXXX Right Path Servicing Attn Customer relations XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-11-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (IL)

On XX/XX/2018 I went the currencys exchange in XXXX. Il XXXX & XXXX and made a payment of {$1700.00} as requested by my mortgage company. 
Later my mortgage company said they did not receive the payment, I gave forwarded my receipts to to them and they still are not giving me credit but rather proceeding with foreclosure against me.
Consumer complaint received 2018-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (TX)

My name is XXXX XXXX my contact number is XXXX. Ultimately in the last 6 months every time I make pymnts and get a few hundred available to spend or less the Walmart Company decreases my credit limit and I have nothing that I can use. I always make my pymnts I'm a good customer I have made a previous complaint and the customer service said there was no reason for this to be happening she said she would report it and have someone call me or contact me and nothing. I was embarresed at Walmart when I went to pay with my card and it was declined because now whenever there is a little bit they drop the limit. I am a good payer and I'm sick of this treatment for no good reason and I don't understand why. You would think if you have a customer that always pays you would treat them right. I want a response please to this complaint and to stop this because frankly I have had enough.