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

This item was supposed have to been deleted before the 30 days. Before investigation was COMPLETED and the XXXX credit bureaus Transunion, XXXX and XXXX didnt do so this is a VIOLATION OF FCRA LAW 15 U.S. Code 1681i - Procedure in case of disputed accuracy were it state a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 an account without my written instructions.
Consumer complaint received 2024-04-26
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-04-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL (AA)

On XXXX XXXX XXXX I changed my name to match my IRS records with PayPal from XXXX XXXX to XXXX XXXX XXXX. As a result and without notice, PayPal closed my Savings account. I had a balance on the savings account in the amount of {$320000.00} plus a pending transaction of {$440.00} ( Transaction ID XXXX ) going to the now closed savings account. The {$320000.00} was returned to the Paypal balance, but at this time the {$440.00} pending transaction has not been returned. In addition to this, PayPal informed me that I would not be receiving any interest for the 10 days of the month of XXXX ( XX/XX/XXXX to XXXX ) as a matter of policy. I feel extremely sadden and disappointed by this as no notice was given and now I can't even withdraw my funds out of PayPal to my bank account. PayPal also let me know I could open a new savings account within 3 business days.
Consumer complaint received 2024-01-01
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Acct # XXXX has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-31
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: Experian Information Solutions Inc. (FL)

I am reaching out to formally request the deletion and removal of specific accounts and associated information from my consumer report. It has come to my attention that the inclusion of these accounts and information on my consumer report is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I kindly urge you to take immediate action to rectify this situation by deleting and removing them from my consumer report. 

The presence of these accounts and information on my consumer report not only constitutes a breach of multiple laws but also undermines the accuracy and integrity of my credit profile. It is of utmost importance that you swiftly address this matter and ensure compliance with the FDCPA and FCRA. 

I trust that you recognize the gravity of this issue and the legal obligations entailed. I request your prompt attention and immediate removal of the aforementioned accounts and information from my consumer report.
Consumer complaint received 2024-04-23
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 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-01
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. (MD)

XX/XX/2023 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX To whom it may concern : Per 12 CFR 1016.4 Initial privacy notice to consumers required, ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party. 

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time. 

I am opting out of your Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802. I am opting out of your reporting services to Transunion, XXXX and XXXX. 

XXXX XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX
Consumer complaint received 2024-01-01
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. (GA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Uplift, Inc (TX)

This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on XXXX  ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Consumer complaint received 2018-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX : XXXX : UNAUTHORIZED INQUIRIES XX/XX/XXXX Letter Credit Bureau XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX, XXXX, TransUnion. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX XXXX  on XX/XX/XXXX.
Consumer complaint received 2024-01-01
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)

I'm a casualty of fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be incredibly valuable. We are hoping to purchase a house. Kindly assistance
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2024 I the consumer applied for a small business credit card but was denied an extension of my own credit which resulted in several consumer rights violations. I was discriminated against by Bank of America and denied credit in violation of 12 CFR 1002.7 ( a ) as creditor refused to grant me an account.
Consumer complaint received 2022-11-19
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. (IA)

i previously disputed XXXX XXXX on XX/XX/22 asking for full validation on this account letter was sent out certified and returned labeled. I have been fraudulently contacted by collection companies in the past for unsubstantiated debts. For this reason its that i was asking for full validation as i do not recall having account open. I never got a reply form bureaus nor original company but i did get my returned labeled signed by bureaus. So, I know they got my letter. But, still dont understand why they have ignored me! I ended up writing a second letter on XX/XX/22 as a 30 day no response still up to this date i have not received any documentation. I have not been notified account investigation has began and dates on credit report have updated this is not acceptable. Account is stating dispute was under investigation now resolved by XXXX XXXX XXXX  I strongly disagree as i have not been notified nor have i received any documentation verifying debt is mine.
Consumer complaint received 2022-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

- On XX/XX/2022, someone impersonated us and went to Citizens bank located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX which is a XXXX XXXXy from our home made a transferred of {$140000.00} from our home equity account to checking account at the counter. Then, he advanced the money in mostly bank checks at the counter -In order to do this, the suspect needs to pass the facial identification, proper photo identification and security checks ; we did not get a call or text nor any notification from the bank for this unusual transfer and withdraw -Secondly, the withdraw is advanced from our HELOC account performed at the counter, this requires additional security verification, the reason suspect did not make the transfer through phone or online because he is missing a lot of our personal information -I have reported the unauthorized transfer and withdraw on the same day, reported the fraud but the bank refuse to stop payment on the checks. We have not lose our driver license nor any identity cards. Bank never issue a debit card for me on this account. It turns out that the suspect got a replacement debit card in one of the branch. we did not get a call or text or alert for this either- I have made multiple complaints and disputes. when i visited the branch, they tell me to call customer care ; when i call the customer care they tell me to visit the bank because its fraud in the bank - After XXXX Weeks of waiting, all of my disputes are denied, and someone them are erased from the system. They did not give me a single call nor send me any neither affidavit nor proof of evidence
Consumer complaint received 2024-04-26
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. (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 USC 1681. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2015-12-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXXShort sale was started XXXX/XXXX/2015 with Nationstar. We were informed that this was going to be run through Nationstar 's " XXXX '' program. The bidding started on XXXX/XXXX/15 and ended on XXXX/XXXX/15. On XXXX/XXXX/2015 we were informed that the highest bidder walked and Nationstar was going to go to the 2nd highest bidder. On XXXX/XXXX/2015 we were informed that the back-up bidders ( Nationstar 's pool of shill buyers ) also declined to move forward with the purchase of this property. The negotiator stated that they would continue with foreclosure until they get a reasonable offer that we can proceed with. They stated that since they could not procure a buyer through their auction process, they would be cancelling the file and asked us to remarket the property to find a buyer giving us the guidelines the investor wanted for an approval. The negotiator went on to state that if we could find a byer to meet those approval conditions they would be able to approve the buyer and close the short sale. 

We remarketed the property and found a buyer that was willing to meet the requested sales price, and now Nationstar is refusing to work with this buyer. They are stating it is required to go through their ( ALREADY FAILED ) auction process yet again. 

NATIONSTAR OWNS XXXX. 

I know for a fact that Nationstar/XXXX work with a special pool of buyers, whom they even claim to represent as their 'agent '. TWO ISSUES with this ... .. 1- Nationstar/XXXX are not licensed to represent buyers/sellers in this state. 2-'Representing a buyer ' goes directly against the idea of a public fair-market auction. 

In addition, Nationstar 's own shill buyers DO NOT HAVE TO PAY THE 5 % PREMIUM that the 'public ' is required to pay. 

IS NATIONSTAR DEFRAUDING THE INVESTOR BY FORCING THE PROPERTY TO BE OFFERED TO THEIR SELECT POOL OF SHILL BUYERS???? 


It is obvious the auctions are fixed ... .... Yet another way for Nationstar to defraud their investors, the community, and their own clients.
Consumer complaint received 2024-01-01
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. (AR)

Hello, My name is XXXX XXXX. I just turned XXXX on XX/XX/2023. I am totally and permanently XXXX. My mother is XXXX XXXX, and she is helping me write this message to you all. I was born on the day of XXXX weeks, 4 months earlier than I should have. I have XXXX, an intellectual learning XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and am XXXX XXXX The information on my credit report is incorrect ; I have never had any accounts in my name. I would like all information erased from my report and the correct information to be input. I would sincerely appreciate it if this could be done quickly, for it is not mine. Thank you for your time.
Consumer complaint received 2024-04-26
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)

According to FCRA 605B, we are required to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-04-26
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. (CA)

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dispute the following accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-26
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 checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-26
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$8000.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX Balance : {$290.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8000.00} XXXX XXXX XXXX Balance : {$290.00}