davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to 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 2016-10-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NH)

On XX/XX/2016, our home was flooded after a pipe froze. We filed a claim with our insurance company. They in turn released checks in my name and in the mortgage company 's name, NationStar. I contracted with XXXX separate contractors to conduct the repairs. NationStar deposited the check and, after sitting on the money for XXXX months to presumably earn interest on it, released a portion of the money to XXXX # XXXX. XXXX # XXXX conducted their work and submitted a bill on XX/XX/2016 for {$18000.00}. The mortgage company is refusing to pay XXXX # XXXX because XXXX # XXXX has not completed their work. Late fees and interest will begin accruing on XX/XX/2016, and yet the mortgage company is still refusing to release any money to XXXX # XXXX, whom has finished his work. I have spent dozens of hours on the phone with NationStar speaking to several representatives as well as a " XXXX '' without success.
Consumer complaint received 2024-04-07
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)

In violation of 15 U.S. Code 6802, it has become clear that XXXX has disclosed my nonpublic personal information to at least 3 non-affiliated parties XXXX, XXXX, and TRANSUNION. As defined at 16 CFR 313.3 ( k ) ( 2 ) Personally identifiable financial information includes : ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ''. Per 15 USC 1681 ( Fair Credit Reporting Act ) and 15 USC 6802 ( Gramm-Leach-Bliley Act ), as a federally protected consumer, financial institutions are required per 16 CFR 313.7 ( a ) ( 1 ) to provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state a reasonable means by which the consumer may exercise the opt out right. 

XXXX has never given me a reasonable means of opting out of disclosure of my nonpublic personal information per 15 U.S. Code 6802, as required by law. I expressly OPTED OUT on XXXX XXXX XXXX  of any and all authorization that I may have given XXXX to disclose any of my personally identifiable financial information, whether such authorization was written, unwritten, verbal, non-verbal, implied, or assumed. I have recorded over 82 violations of my privacy regarding my accounts with XXXX since XXXX. 

Furthermore 15 U.S. Code 1681adefines ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. XXXX is willfully disclosing reports containing information solely as to transactions or experiences between XXXX and I to non-affiliated third parties. 

Pursuant to 16 CFR 313.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( c ) Partial opt out. Financial Institutions may allow a consumer to select certain nonpublic personal information or certain nonaffiliated third parties with respect to which the consumer wishes to opt out. 

I have received no response after my express OPT OUT, and are still disclosing my nonpublic personal information to XXXX, XXXX, and TRANSUNION.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2023-08-08
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. (NJ)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-15
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: TRUIST FINANCIAL CORPORATION (TX)

In XXXX, Truist Banks Inc began to repeatedly call me at XXXX XXXX  in regards to debt that I do not owe. I informed my lawyer XXXX XXXX who submitted a cease and desist on my behalf as of XX/XX/14 the calls have began again.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

First, I made a payment of {$1500.00} before the cut off time on statement close date. Pursuant to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX by XXXX XXXX. local time at the Payment Address will be credited as of the date of receipt. '' This payment posted on XX/XX/XXXX the same date of statement closing on XX/XX/XXXX. XXXX XXXX incorrectly reported the balance as {$3300.00} to TransUnion and XXXX. When it should have been {$1800.00}. This error incurred by XXXX XXXX caused a drop in credit score. My account balance reporting should reflect {$1800.00} per your agreement and paying on time. 

Second issue, this was a no interest no payment credit line available for 12 months ( no interest paid in full ). When viewing my account minimum payment due was {$65.00} for XX/XX/XXXX. I paid this today ( XX/XX/XXXX ) but why is your credit product offering and marketing different than what has occurred on my account? 

Thank you for your time.
Consumer complaint received 2023-04-18
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: AXOS FINANCIAL, INC. (GA)

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2021. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2023-12-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MA)

To whom it may concern ; This is a complaint with Citibank for an account closure, a complaint was filed with Citibank under Reference Number : XXXX about my account ending in XXXX and the corresponding card number ending in XXXX. The account holder 's name is ( myself ) XXXX XXXX XXXX XXXX, and I am the only individual on the account. 

On XX/XX/XXXX, I opened a savings account and deposited funds shortly after. On XX/XX/XXXX, I was notified via a third party that there was an issue with my account. Timeline of events : XXXX XXXX, 2023 : Notification that my Citibank Account successfully opened. 
XXXX XXXX, 2023 : Transfer of {$100000.00} from XXXX XXXX XXXX account from family inheritance XXXX XXXX, 2023 : Transfer of {$250.00} completed from XXXXXXXX XXXX ( managed by XXXX XXXX XXXX XXXX via Trace ID XXXX XXXX XXXX, 2023 : Two ( 2 ) Cath Withdrawal Transactions at Citibank Authorized XXXX  ATM located in XXXXXXXX XXXX XXXX MA XXXX Each for {$400.00} for a total of {$800.00} Cash Withdrawal. 
XXXX XXXX, 2023 : Authorized XXXX Access using transactional deposits. 
XXXX XXXX, 2023 : Authorized transfer of {$1500.00} to XXXX XXXX via XXXX XXXX 
XXXX XXXX, 2023 : Received an e-mail from XXXX indicating that the transaction was rejected by Citibank due to the Citi Savings Account being frozen. 
XXXX XXXX, 2023 : Called Customer Support at Citibank and was only then notified of the referral to close the Savings Account. 

Currently, I have no access to close to {$100000.00} ( approximately {$98000.00} according to my last account review ). Access to the account has bee revoked by the bank and they claim to be submitting a check via USPS within 30 to 60 days. 

I would like to indicate that I received no indication or notification from Citibank at any point that there was any risk to my account maintaining good standing. 

There are multiple means of communication available to the bank, and none were exercised. Were it not for the email from XXXX and my subsequent calls, there would be no means for me to know that my account was pending closure ; to date, I have not received any emails, text messages, calls, or letters in the mail indicating that this is the case. All of the transactions are valid, using Citi an authorized ATM ( found via their banking application ), and standard modern technology in the form of XXXX  to transfer funds between individuals. Furthermore, XXXX, has added security when submitting funds that require the sender to verify the recipient by entering their phone number as well as their User ID. It is worth noting that the XXXX recipient is our wedding photographer, and the transaction was to purchase our wedding album using an account that my wife does not currently have access to so that I could surprise her with it as a gift for the holidays. 

None of the actions taken by the bank are deemed acceptable as to date and to reiterate, I have no knowledge as to why my account has been frozen and is pending closure.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXX with account number XXXX Remove due to inaccuracy - I never paid late If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-11
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (GA)

Took my government stimulus checks to Wells Fargo who, at the time of the first round, Id been banking with XXXX years. My accounts were not overdrawn at the time yet Wells Fargo decided to hold my checks instead of cashing them for a week each time. The approximate dates were XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They stated that it was simply their policy to hold checks even those these were disseminated during a time of global crisis as a means to stimulate the economy. I really thought my life would end and they did not care. Everyone else who received these checks all around me at the time were getting theirs cashed without question. Me being a XXXX XXXX  XXXX man seemed to be the only reason they chose to do this.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

XXXX is reporting a bankruptcy on my credit report, and they have put in the data furnisher as the U.S. Bankruptcy Court, which is false, I have attached a letter from the US Bankruptcy Court District of XXXX XXXX verifying and stating that they do not report records of the court to any credit bureau, Pursuant to 11 U.S.C. 107 ( a ). XXXX is falsely stating this on my credit report and have yet to remove it from my credit report. 

XXXX is reporting a bankruptcy on my credit report, and they have put in the data furnisher as the US BKPT SC XXXX which is false, I have attached a letter from the US Bankruptcy Court District of XXXX XXXX verifying and stating that they do not report records of the court to any credit bureau, Pursuant to 11 U.S.C. 107 ( a ). XXXX is falsely stating this on my credit report and have yet to remove it from my credit report. 

Equifax is reporting a bankruptcy on my credit report, and they have put in the data furnisher court as Federal which is false, I have attached a letter from the US Bankruptcy Court District of XXXX  XXXX  verifying and stating that they do not report records of the court to any credit bureau, Pursuant to 11 U.S.C. 107 ( a ). Equifax is falsely stating this on my credit report and have yet to remove it from my credit report.
Consumer complaint received 2024-04-08
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 currently the FBI has informed me that they are investigating the suspect by the name of XXXX XXXX I have not applied for any credit nor have i caused any inquires since XXXX the following information has been my only information since XXXX address XXXX XXXX XXXX XXXX ga XXXX. XXXX. I have never applied for student loans.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (CA)

My car was impounded multiple times due to the bank applying multiple overdraft fees which caused my account to be negative when planned/auto payments were already made. I paid repossession departments, towing yards and other fees that could've been avoided if the bank did not make multiple overdraft fees in my account. 
I paid over {$1400.00} plus extra {$300.00} for gate fees to get possession of my vehicle due to bank errors 3-4 times. This would have been in XXXX timeframe. The total cost of was near XXXX.
Consumer complaint received 2024-01-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (MN)

I dispute the validity of the debt and am exercising my right to request verification of the debt, as outlined in 15 U.S. Code 1692 ( g ). Until such time as the requested verification is provided, I insist that you cease all communication with me in accordance with 15 U.S.

Code 1692 ( c ). 
I also want to make it clear that I do not consent to any communication with me, including phone calls, texts, or emails, regarding this debt. Such communication is inconvenient for me, and I invoke my rights under 15 U.S. Code 1692 ( c ) to demand that you cease and desist all communication immediately.
Consumer complaint received 2023-09-15
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 truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.
Consumer complaint received 2018-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MN)

OnXX/XX/XXXX and XX/XX/XXXX I applied for an XXXX XXXX XXXX XXXX  card issued by Chase and was denied both times. As of XX/XX/XXXX I still have not been told why I was denied and have not received any information from Chase about what I can do to obtain that information. I have tried to call the number on my credit report XXXX but that number requires that you enter your 16 digit card number to get assistance and since I was denied I do not have that information.
Consumer complaint received 2024-01-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: 2288984 Ontario Inc. (AZ)

I received emails from XXXX XXXX XXXX in relation for invoices dated for XX/XX/year> and XX/XX/year> threatening to take legal action and threatening a lawsuit if I did not pay on the debt. They would not allow payment plans and did not disclose that I had a right as a consumer to dispute the debt. They communicated by email with no phone calls, no explanation of the debt, and did not send anything by mail. As of XX/XX/year> they still have threatened legal action. They have violated the Arbitration agreement located within the agreement between the original creditor and myself and have violated several of my consumer rights.
Consumer complaint received 2023-09-11
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)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Paid my Capital One cc bill on XX/XX/23. Called Capital One to see if they have received the payment, They verified that they did then put a 5 day hold on the available credit soni cant use my card. Requested they remove the hold and was denied.
Consumer complaint received 2024-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (FL)

I received a copy of my credit report and information is listed incorrectly, I do not have any agreement with nor have I ever had a contract with LVNV Funding LLC Account Number XXXX This collection account is reporting OPEN, but also shows a balance of {$870.00}. According to the FCRA, I have the right to an accurate credit report. Please remove the account immediately from my credit report.
Consumer complaint received 2016-06-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

Indymac was the prior servicer on my mortgage loan. I applied for a modification and was approved in XXXX XXXX. The payments were changed from {$2900.00}. to {$2700.00}. I made the modified payments by money order to XXXX from XXXX XXXX until XXXX XXXX totaling {$33000.00}. The servicing of my mortgage loan was transferred to Ocwen Loan Servicing by XXXX XXXX. Ocwen did not apply any of the {$33000.00} in payments to my account and claimed that the {$33000.00} in payments were returned to me. Ocwen only returned XXXX checks totaling {$10000.00} and did not explain why they did n't permanently modify the loan. I submitted a new modification application to Ocwen in XXXX. They acknowledged receipt of the application but did not complete the review and did not send me a denial letter with an explanation. Ocwen instead commenced a foreclosure action in XXXX, which was discontinued in XXXX XXXX, for reasons I do not know. Ocwen then started a new foreclosure action in XXXX XXXX. Ocwen claims my loan was not modified.