davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
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. (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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX 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 2018-08-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Limetree Lending, Inc. (CO)

We started the pre-qual process to get pre-approved to purchase new home with XXXX XXXX XXXX XXXX in XX/XX/2018 and we received the pre-approval for up to $ XXXX and we started the search process to purchase a home and started bidding in XXXX thru XXXX until we got closing date by end of XXXX by then we spent so much time and effort with our Realestat agent abd by then we spent {$550.00} for inspection and {$500.00} for the appraisal that was performed by the XXXX XXXX XXXX which we never seen what company performed the appraisal and how much were there paid? But just {$500.00} bill from XXXX XXXX XXXX 24 hours before the closing date that was set by XXXX XXXX, they XXXX canceled the closing and denied us the loan and we lost the purchase of the house 24 hrs before closing, lost the {$500.00} apraisal, {$550.00} Inspection and they left us struggling thru the seller lawyer who refused to return our $ XXXX. 
This XXXX XXXX Mortgage company process over 3 months and many papers an endless demands until they finally gave us the final approval and they sat the closing date then denied the loan Very unethical Very unprofessional They play all kind of games to get you in then the deny your loan after you get deep in process and expenses
Consumer complaint received 2024-04-12
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. (NJ)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there is still account that needs s to be addressed again and corrected immediately. The XXXX credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report thisaccount as unconfirmed information without validating them within the legally required time range. Please update or amend the inaccurate account in my report : XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove any items that are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX : {$18.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$580.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
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. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-04-12
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)

When I recently check my credit score on XXXX XXXX  I notice these fraudulent account : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have sent out multiple letters and complaints to all 3 credit bureaus, Transunion, XXXX, and XXXX. They refuse to remove this false information. I also submitted a complaint through you guys and nothing happened. They have a bankruptcy on my credit report which the person is not me, they said they recieved the information from the court which the court said they never sent that to them.
Consumer complaint received 2024-04-12
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. (CA)

XXXX BANK HAS SENT A NEGATIVE REPORT TO THE CONSUMER CREDIT BUREAUS STATING THAT I HAD A CREDIT CARD AND/OR A LINE OF CREDIT WITH THEM AS FAR BACK AS XX/XX/XXXX IN THE AMOUNT OF {$980.00}, AND IT WAS NEVER PAID. I HAVE NEVER APPLIED FOR A CREDIT CARD NOR DID I APPLY FOR A LINE OF CREDIT WITH THEM. ON XX/XX/XXXX, THIS ALLEGED ACCOUNT WAS CHARGED OFF AND I WAS NEVER SENT A XXXX. I WOULD LIKE SEE PROOF FROM THEM THAT I APPLIED WITH THEM. THIS HAS PUT A XXXX ON MY CREDIT REPORT AND I WANT THEM TO DELETE IT. THIS IS NOT MY ACCOUNT AND IT HAS BEEN ON MY CREDIT REPORT FOR THE PAST 6 YEARS. I HAVE NOT HEARD FROM THEM AT ALL.
Consumer complaint received 2024-04-12
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 recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

Re Barclay card XXXX XXXX Plus Rewards card ... I received a text message about possible fraud on my account and replied that the charges were fraudulent. My son was overseas and a company listed as XXXX XXXX in XXXX, XXXX repeatedly charged enormous amounts of more than {$2700.00} on his cc which is linked to my primary account.I have checked this company and they have multiple claims against them and class action lawsuits for this type criminal behavior and worse! They had the card with the chip and repeatedly charged the card before returning it to my son.Barclay card should have had a security protocol that prohibited such large charges overseas until I replied to their text to confirm their validity or lack there of. Every other cc dies this in this day and age of scammers. By the time I replied to the text message that Those charges were unauthorized, it was too late for barclay card to care! Barclay card customer service was rude and robotic and once the merchant produced signatures that anyone can forge once they have one signature, that was good enough for barclay card. They closed the case and instead of backing up me as the consumer backed up the criminal merchant and insisted I pay for fraudulent charges on my card.
Consumer complaint received 2018-08-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX, ~XXXX PST - went into Bank of America branch ( XXXX XXXX XXXX , CA ) to get added to my wife 's existing Bank of America checking/savings account. 
My profile was set up under her account, however when the teller went to " join '' me to my wife 's existing account, a Risk Flag popped only providing the limited information that Bank of America has flagged me as having a prior charged off account and I am not able to have any accounts with Bank of America.

This is concerning as I have never had any relationship with Bank of America,  nor have I had any charged off accounts anywhere else. My first thought is this could either be a result of identity fraud ( recently out of the XXXX so my SSN is at higher risk for being exposed ) or a mixed file at Bank of America as my name is very common ( I've had previous issues of mixed files with the CRAs ). 

As next steps I have done the following to try and understand what information the bank is seeing that may be causing this risk flag on my name. 
- XX/XX/XXXX - XXXX Pulled all three consumer bureaus from XXXX to check to see if anything fraudulent or derogatory was showing up on any of my bureaus. I have a clean credit report, higher than average score and never had any issues getting loans or credit elsewhere. 
- XX/XX/XXXX - XXXX PST Called into BOfA Fraud number - spoke to agent for 15 minutes ; agent suggested calling the XXXX that BofA uses for Charge Offs/bad debt as well as the Credit Card charged off group and provided multiple phone numbers. 
- XX/XX/XXXX - XXXX CST Called XXXX , spoke to agent and a supervisor for 35 minutes. XXXX has no record of me in their database. Said they would send the XXXX report via postal mail. 
- XX/XX/XXXX - XXXX PST Called BofA checking/savings group and spoke to an agent for 10 minutes. Recommended 3 additional phone numbers to try and call ( Recovery Services - XXXX, Risk Acct Closure - XXXX, Credit Cards - XXXX ). 
- XX/XX/XXXX - XXXX PST - attempted to call general BofA line to attempt to get some sort of escalation or to another group. Spoke to an agent for 8 minutes and was given yet another phone number for Risk Acct Closure. 
- XX/XX/XXXX - XXXX PST - called Risk Acct Closure group to yet no avail. Spoke to that agent for 9 minutes and wouldn't you know, that agent recommended I call the Fraud group ( the first group I called back on XX/XX/XXXX ). 

All I want to understand is what is causing this " high risk '' flag on my profile that's keeping me from having an account at Bank of America. I'd like the opportunity to clear my name so that this doesn't potentially cause any future issues in the instance of a mortgage or car loan. Bank of America keeps sending me in circles and won't help me so I'm filing this complaint.
Consumer complaint received 2024-03-19
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. (ID)

I want to remind you once again that you must immediately remove any unproven claims listed above or below from your reporting. In order for you, as the provider of alleged data, to have the conditional privilege to report, you must meet at least the minimum criteria. I do not accept the reportability of any claims that you can not prove with undeniable facts, even those that comply with the necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by CDIA in their CRRG, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data.
Consumer complaint received 2024-02-26
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (MD)

This is in response to XXXX unauthorized charges on a target red card. that were made between XX/XX/23 and XX/XX/23. These involved both online transactions and purchases at local businesses where the credit care information was manually entered. The sum total of unauthorized charges and purchases at local businesses where the credit care information was manually entered. The sum total of unauthorized charges amounts to {$1300.00}. Initially, the disputed charges were denied. I sent in an appeal letter in XXXX and I am still waiting to hear. The police has pressed charges on the person who has stolen my money. I keep calling the target redcard company but they keep telling me that I just need to pay the minimum balance but do not tell me anything. It is now past the promised XXXX days and this dispute has not been resolved. I am not able to afford to pay back the money that was stolen.
Consumer complaint received 2024-04-12
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. (FL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action.

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2017-08-01
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MN)

Last fall Champion Mortgage ( Reverse Mortgage ) paid my back taxes I was not able to pay due to being in the hospital 7 times for different issues. They notified me that my house was going into foreclosure. XXXX XXXX 's office put me in touch the XXXX Legal Aid. They got foreclosure date moved out to XX/XX/XXXX 2018. I use to work for a mortgage company and noticed a lot of questionable charges on the balance I was owing. Like drive by appraisals at {$20.00} each and full appraisals of almost {$500.00} each. I requested Legal Aid contact Champion Mortgage to find out who and when these appraisals were done. Legal Aid had made several requests to Champion Mortgage for this information, and at first told them it was in the mail. Legal Aid never received the requested information from Champion Mortgage. No one has ever come to my house to do a full appraisal. I would still like to know the date, person who supposedly did them. Also, once a year Champion Mortgage will mail out a verification of ownership to me, to sign, date and return back to them in their envelope, which I have always done right away. I will always received a " 2nd Request '' a month later asking for the very same thing, I mailed back a month before. This year they stated they sent a verification of ownership in XX/XX/XXXX, which I did not received. In XX/XX/XXXX I got a " 2nd request '' again, only I never received the 1st request. I signed and dated it and mailed it back the same day. In the body of the letter, they state if they do not receive it within 30 days, they will send out someone to do an " appraisal '' and charge it to my account. They had contacted neighbors asking personal questions about me, and if my house is being lived in or boarded up. They neighbors have complained to me about these phone calls. I did not want everyone in my neighborhood to know about my personal business. If they were doing the appraisals, like they say they are, they would know that I am living here, and the house is not boarded up. That can be verified with Legal Aid also. I would like to know when these so called appraisals were done, by who, and who they spoke to at my house. I am the only person who lives here and I have never spoken to anyone or let anyone in the house from Champion Mortgage. I feel this is a very dishonest company and very difficult to work with. I had a difficult time with them, and now Legal Aid is having a hard time working with them.
Consumer complaint received 2024-04-12
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. (MO)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions.

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2024-04-12
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 am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an account that is reporting late payments inaccurately.

Below are the following accounts in question : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX 

The company has acknowledged this error and has committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts.
Consumer complaint received 2022-12-01
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. (TX)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 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. 

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