davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-27
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. (WA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-04-27
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)

The following are on authorized hard inquiries on my credit report that I do not recognize. I am asking that these inquiries be removed immediately. 

XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

On XX/XX/year>, someone applied for a credit card in my name. After I cancelled the fraudulent application, I placed a credit lock/freeze and credit alert at all three credit bureaus : Transunion, XXXX, and XXXX. On XX/XX/year>, I was notified by a previous bank, my XXXX credit monitoring, and XXXX XXXX that there was another hard inquiry on my credit report due to someone applying for another credit card in my name. I did not receive any notifications from Transunion, XXXX, or XXXX. I contacted Transunion about the issue and they confirmed that my credit was frozen and they admitted to never experiencing a case where someone was able to bypass the credit lock. They were not able to tell me how the credit lock was bypassed. I later learned that there is 4th credit union called XXXX, but that is not ever mentioned. I have now locked my credit there as well.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. These accounts are not accurate. Attachments will show the various inconsistencies circled in red.
Consumer complaint received 2024-04-28
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. (IL)

I have viewed my report on XX/XX/year> and I have noticed that items are still incorrect. I have requested that these collections/closed accounts be removed off my credit report. I have provided proof of identity, police reports as well as identifty theft and they are still on my report. The collection and or closed accounts that are on my report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you have to remove these items within 30 days time period, then you must delete all of the disputed accounts from my report. You must now delete the disputed items and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 

and it has been past 30 days at this point. 

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2015-06-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IL)

My service provider XXXX sold my mortgage loan to Nationstar in XXXX of 2014. I have been having issues with the way they allocate my monthly payments to my account. The applied portions of the payment to principle and interest is not being done as it was with the former provider. I have also gotten statements that show no amount due for the months of XXXX, XXXX, XXXX, XXXX and XXXX. XXXX was the only month there was an amount due shown. When I called the customer service about it, I was told they would check it out and have it corrected. I sent an e mail to their research department and got a response saying I did not make a payment in XXXX and the account was overdue. How can an account be overdue if the statement shows no amount due. I have spent several hours on the phone with their customer service and loan specialist with no satisfactory resolve to the issue. I need to know what to do to get them to correct the way they are handling my account. Please advise me on this matter and let me know what kind of documents are needed to pursue action and resole the issue. This was originally a home equity line of credit account which the provider is no longer honoring the line of credit portion. I did not authorize any changes to the original loan terms, but the new provider is not following the same procedures as the original provider when it comes to billing and accounting.
Consumer complaint received 2024-04-28
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)

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

XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that your Crediting Agency will investigate this account to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX Account Number : XXXX
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2017-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (GA)

XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> hurricane Irma damaged our home financed by Mr. Cooper. They received insurance funds on XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span>.  We 've provided all the requested documents and called them almost daily but they still have not released the $ XXXX needed for home repairs. Each time we call it 's the same conversation as if they are reading from a script, " we apologize for the delay, I will request that be expedited immediately, you should have a check within 5-7 business days. '' Each call taking an hour on average but longer if you insist on speaking with a supervisor. I 've complied with their 15 page procedures and set up account on XXXX as advised, but they are delaying and delaying. We 've had to go to a local bank and borrow money to begin repairs in order to prevent additional damage to our home. We 've called Mr. Cooper twice to complain about it 's loss claim department, no one returned the first call and the second customer service rep transferred me to the department I was calling to complain about. We 've submitted a formal complaint and are waiting to get a response back. It 's an awful thing to have your home damaged and then to be victimized by your mortgage company like this is unimaginable.
Consumer complaint received 2023-01-04
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. (CA)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ZIONS BANCORPORATION (CA)

I contacted the bank regarding fraudulent use of my debt card in XXXX. Their response was that they found no errors in a letter dated XX/XX/2023. I was not stating errors but Fraudulent charges. I have since sent emails in XXXX with more detail about the charges and are still awaiting a response.
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc. (OH)

So on the early morning of Friday, XX/XX/XXXX my car was broken into and my wallet, book bag, cash and some other items were stolen. Once I woke up I noticed there was 4 charges on my card at the gas station down the road, so I instantly locked my card and filed a police report. I called my back to report my card stolen and unauthorized charges. It has been a week and they still have not credited my account back. They are telling me I have to wait 45-90 days and I feel like that is absurd. The money was fraudulently stolen and I need the money back. I have the police report number and everything. They say they are doing an investigation but I have the police report number so idk what investigation they are doing. My card wasnt lost, it was stolen!
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-04-28
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: EQUIFAX, INC. (AL)

I HAVE FILED A DISPUIT TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVENT RECIEVED ANY INVESTIGATION REPORTS. 15 u.s. code 1681b- permissible purposes of consumer reports. This is a violation of 15 U.S code 1681i ( 5 ( removal of inaccurate/invalidated credit information. please remove immediately. XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number:XXXX XXXX Account Number:XXXX  XXXX XXXX  Account Number:XXXX XXXX XXXX  Account XXXX XXXX Account numberXXXX XXXX XXXX Account  number:XXXX
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

I am writing to formally dispute the inaccurate addresses listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), the information contained in my credit report must be accurate and up-to-date. 
Data furnishers are not true accurate providers or validators of my deliverable address and can not provide any updates, as their information can be inaccurate and incomplete due to many factors such as fraudulent and misleading information. A copy of my Illinois Driver License is sufficient to confirm my current address. 

The presence of these incorrect addresses violates the accuracy requirements as per the Metro 2 format, specifically relating to address fields which must be accurate and up-to-date ( Metro 2 Base Segment , Fields 8-13 - Address, Positions 66-104 ). Inaccurate address information can lead to issues of misidentification and has affected my creditworthiness.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that your Crediting Agency will investigate this account to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX Account Number : XXXX
Consumer complaint received 2017-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NY)

My mortgage is in the process of being transferred from XXXX XXXX to Mr Cooper ( aka Nationstar Mortgage LLC ) effective today (XX/XX/XXXX ). This morning I received an unencrypted ( non-secure ) " welcome '' e-mail from Mr Cooper ( mailto : XXXXXXXXXXXX ). Unfortunately, too much information was included in the body of the e-mail, including name, property address, complete XXXX account number, complete Mr Cooper account number, current loan terms ( interest rate, payment due date, payment amount ), etc., which created a huge security and privacy breach. The customer service supervisor that I spoke to insisted that this was completely within approved protocol -- furthermore, it is Mr Cooper 's  normal business practice to send out this e-mail to all new customers. Apparently, Mr Cooper will compromise personal financial information for nearly 800,000 former XXXX customers during this transition -- in other words, they are creating a miniature XXXX-like data brach. This is TOTALLY UNACCEPTABLE in this age of multiple breaches of PII!
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

Was suppose to get XXXX points on fuel purchases for every dollar, pen fed claims XXXX XXXX where fuel was purchased did not put in the right code. There were XXXX fuel stops from XXXX to XXXX. Anywheres from {$850.00} to XXXX. I could understand if it was a couple of them that did not put in the right code but all of them. Spoke with them and just for a XXXX time courtesy they will give me XXXX points on XXXX gas charge.
Consumer complaint received 2024-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I HAVE FILED A DISPUIT TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVENT RECIEVED ANY INVESTIGATION REPORTS. 15 u.s. code 1681b- permissible purposes of consumer reports. This is a violation of 15 U.S code 1681i ( 5 ( removal of inaccurate/invalidated credit information. please remove immediately. XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number:XXXX XXXX Account NumberXXXX XXXX XXXX  Account Number:XXXX  XXXX XXXX  Account NumberXXXX XXXX Account number:XXXX XXXX XXXX Account numberXXXX
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
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. (IL)

I consistently make on-time payments, and I am confident about this. However, I am uncertain about why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.