davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
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. (GA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the fair credit reporting act. According to 15 usc 1681i ( 5 ) the credit bureaus said everything was complete and accurate and I asked them how if the open date wrong address wrong or was not living in state Then I ask them to provide me a description of the investigation according to 15 usc 1681i ( 7 ) and they never did. I have proof of my letter for that. Also according to 15 usc 1681 s-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 this is violation after violation this is causing me stress because I have no hope in the system Im struggling with XXXX XXXX children and this is hindering
Consumer complaint received 2023-12-07
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i notice some inaccurate information on my credit report so on XXXX XXXX i sent some letters to all 3 CRA 's requesting the validity of the inaccurate and incomplete information reporting on my credit report, per 15 usc 1681i. I haven't heard anything thus far and this is XXXX XXXX
Consumer complaint received 2023-12-07
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. (VA)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (WI)

On XX/XX/XXXX, I received my new statement and noticed it was {$5.00} higher than it's been since I got the account ( this is a installment account that was transferred to a credit card ). I looked at the statement and new " Account Maintenance Fee '' of {$5.00} was being charged that was accruing interest of {$0.00}. I called and asked them why they were charging this, and why I was never notified this would be happening. They claimed they sent an email on XX/XX/XXXX to my current email letting me know this would be a new change, and that I could " opt-out ''. When I told them I never received it, after reviewing my emails going back to XXXX, and that I wanted to opt-out now, they told me it was not possible. In addition, no notice was included in my statements, which i review monthly, and no messages were in my online inbox on their site. Their notice was never delivered, they did all they could to hide that this was happening, and I'd like this to be rectified in a fair way.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (LA)

On XX/XX/2024 my account received XXXX XXXX XXXX XXXX  in the amount of {$860000.00} at XXXX XXXX subsequently I sold XXXX XXXX in the amount of {$2800.00}, then at XXXX XXXX on XX/XX/2024 my account was locked for " security reasons '' as I believe was under the disguise of " planned maintenance ''. I was locked out of my account and could not log in to send a help message to the Coinbase support system and then had to direct message the support system on XXXX. The card from Coinbase was deactivated and the funds I previously received were withdrew from my account by an unknown source after my account was locked. My account was locked XXXX XXXX  XX/XX/2024, the funds XXXX XXXX XXXX  was taken from an unknown source at XXXX XXXX and the USD was taken at XXXXXXXX XXXX and no information was given as to why the funds were withdrew.
Consumer complaint received 2023-12-07
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. (TX)

I appreciate you making the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX
Consumer complaint received 2024-05-16
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: TRIAD FINANCIAL SERVICES, INC. (AR)

We applied for a mortgage loan with Triad Financial Services Inc., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX. XXXX # XXXX in XXXX of this year. We received the pre approval in XX/XX/year>. It was taken out for a land home package with a local mobile home dealer. Per the lenders requirements the land we placed an offer on had to pass a perc test and survey. Once completed the lender orders the appraisal to which we had to pay out of pocket XXXX $ to the lender. Appraisal came through good, we were moving towards closing and working with a title company. However the dealer we chose was violating RESPA laws in regard to the title company we requested to move both dealer and title companies. This entailed us having to reapply for the loan. XXXX XXXX worked directly with myself, my realtor, the dealer and title company on order to meet closing date of XX/XX/year>. On XX/XX/year> XXXX contacted use and stated that the original underwriter made a mistake and based off the fact that the second applicants job was held only a year, we should have been disqualified. That they are no longer able to process the loan as Triad would incur a loss because they would not be able to sell it to another servicer. We were falsely led to believe that we were qualified and the lender had us pay XXXX $ in appraisal fees, on top of the XXXX dollars paid the the first dealer for the required perc tests and survey. We have asked both XXXX XXXX and XXXX XXXX the regional manager who is going to reimburse us for the loss we incurred due to them falsely leading us to believe we had the loan therefore resulting in money invested into property we will lose the contract on based on Triads negligence.
Consumer complaint received 2023-12-07
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. (DC)

Checking my consumer report and see that there are inquiries on my credit report that I did not authorize and I want them removed from my consumer report as it is effecting my credit.
Consumer complaint received 2023-12-07
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. (IL)

In accordance with fair credit reporting act XXXX  account # XXXX, has violated my rights.

15. U.S.C 1681 section 602 A. States I have 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
Consumer complaint received 2023-12-07
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. (CA)

You are in Direct Violation of the Fair Credit Reporting Act and have violated several of my rights. 

15 U.S.C 1681 section 602 A, Clearly states that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (WA)

Account number is : XXXX Account Name : XXXX XXXX XXXX Amount XXXX Paid in full XX/XX/2018 Company reporting it : One Main XX/XX/XXXXXXXX XXXX IN XXXX They did not properly notify me of the collection and promised that they are unwilling to delete it. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i provided a ftc report to show items were not mine. they removed some not all items and did not updated addresses remove old addresses and names. his is affecting me and my livelihood. i need something done now
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (MI)

Moved to  XXXX  for work. In  XXXX  I noticed my RV payment was not taken out of my acct. Called PNC Bank. Said the payment went back in  XXXX . No payment since. So they let me catch up payments,  XXXX  . And back on payments. Been pulling payments out since then. Put on my credit that acct is closed and wrote off. Credit went down   XXXX   pts. Had our mail transferred to daughters house. No letters, emails or phone calls to let us know there was a problem. Just would like my credit fixed as we have never been late in 10 yrs. please help me. Thank you
Consumer complaint received 2024-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (IL)

This account was the result of identity theft. I have previously filed a FTC report and a Police report. Both reports given to creditor. This account has also been disputed with all 3 credit agencies. Creditor refuses to remove account and stands by that I must pay the account even if it's identity theft and will not remove this fraudulent account.
Consumer complaint received 2023-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MO)

I had a debt with comenity Bank due to my XXXX XXXX XXXX  being sent to collections in the amount of XXXX. The debt was transferred to a debt collector by the name of XXXX XXXX 

On XX/XX/XXXX, I made a settlement payment in the amount of {$1300.00}. Was told that this will reflect on my credit report and they will notify comenity as well. 

I checked and noticed this was not updated as said. I disputed said account with XXXX. However, comenity did not reflect the status to show that the debt was settled. However, reflects that the amount is charged off at XXXX and written off. 

XXXX refuses to redispute. I'm simply asking for my account to reflect accuracy of payment. 

If they continue to report as if I never made a payment or tried to resolve, why would I have even bother to do so? Is extremely frustrating so I'm asking for your help in this matter.
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern, Block and remove all information resulting from Identity Theft pursuant to XXXX U.S.Code XXXX XXXX under the FCRA which states a consumer reporting agency shall block the reporting of any information in the file of a consumer not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

This is an identity theft pursuant to XXXX XXXX XXXX ( Q ) ( XXXX ) under the FCRA. I have filed an identity theft report pursuant to XXXX XXXX XXXX ( Q ) ( XXXX ). Just an FYI : I understand pursuant to XXXX XXXX XXXX ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to XXXX XXXX Code XXXX. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Consumer complaint received 2015-08-06
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

I refinanced my property with Nationstar Mortgage. I signed the XXXX XXXX/XXXX/15. In the NOTE and the Settlement pages ; says that my firstpayment will be on XXXX/XXXX/15. By the ending of XXXX, I tried to pay onlineand I could n't find my account #. Immediately, I called NationstarMortgage and this was the time that was horrible, frustrated, exhaustedand wasting time I never ever had. After, I called loan officers, differentLoans Managers different Department, Closing Coordinators, ClosingCoordinators Managers and Loan team Leaders, ETC ... .Today 's dateXXXXXX/XX/XXXX and still NOT getting any resolution to this legal matter. 
The last DOC Nationstar sent me by E-mail says and asked me to sign a Doc fora new refinance that I did not authorized. 
See attach,
Consumer complaint received 2023-12-07
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. (AZ)

Dear XXXX I see that you verified the account listed below : XXXX : Account number : XXXX, How did you verify this account. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, How did you verify this account. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, How did you verify this account. Can you delete this ASAP and send me and update. 

XXXX XXXX XXXX  | XX/XX/XXXX : Account number : N/A, How did you verify this account. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, How did you verify this account. Can you delete this ASAP and send me and update. 

XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. Can you delete this ASAP and send me and update. 

XXXX XXXXXXXX : Account number : XXXX, How did you verify this account. Can you delete this ASAP and send me and update. 

XXXX XXXXXXXX : Account number : XXXX, How did you verify this account. Can you delete this ASAP and send me and update. 

XXXXXXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, How did you verify this account. Can you delete this ASAP and send me and update. 

XXXX XXXXXXXX XXXX | XX/XX/XXXX : Account number : N/A, How did you verify this account. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, How did you verify this account. Can you delete this ASAP and send me and update. 

XXXXXXXX XXXX XXXXXXXX : Account number : XXXX, How did you verify this account. Can you delete this ASAP and send me and update. 

XXXX XXXX XXXXXXXX : Account number : XXXX, How did you verify this account. Can you delete this ASAP and send me and update. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2023-12-07
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-12-07
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 submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

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 2023-10-02
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. (WV)

In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-12-07
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 like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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