davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
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 XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX  account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-08
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. (TX)

Months ago, I sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Consumer complaint received 2023-05-08
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. (LA)

Account Details TransUnion Credit Report As of : XXXXXXXX XXXX This account is in violation for 15 usc 1681 improper use if my credit report as well as failure to provide complete and accurate information. This account shows that there is a 0 % usage as well as a XXXX balance on the account but reflects opened there is also no payment history.I never signed a contract with this company nor have I have any knowledge of this company is in violation of 15 USC 1681. The account also reflects opened the contract with established. XX/XX/2022 I have asked Transunion for validation of the debt I have given him 30 days to provide that information, and the information has not yet been provided with the original signed contract from the creditor. I am demanding deletion of the account for my credit report as well, as I am, may seek legal suit against Transunion for up to {$1000.00}. For failure to provide accurate and complete information. FCRA law
Consumer complaint received 2023-11-16
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. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-05-08
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. (IL)

I'm sending you this complaint to let you know that I was a victim of identity theft. I did some research on how to get rid of the bogus stuff in my report and discovered that I needed to make a report with the Federal Trade Commission by going to https : //www.ftc.gov. Credit reporting agencies are required to erase or block any things reported on an identity theft report under FCRA section 605b. Please refer to the ATTACHED materials to help stop false information from being put to my report. 

This is a list of things that don't belong to me or that weren't opened with my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aqua Finance, Inc. (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC1666b 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 2023-05-08
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. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I've requested proof funds were received by myself from a check fraudulently cashed in my name from Capital One, they provided info for the third party whom intercepted the check and cashed it, did not provide proof check was cashed by myself and funds received. This is a replacement check sent on or around XX/XX/XXXX, delivered to my address on XX/XX/XXXX while I was away on vacation. Another party intercepted the check, signed my name on it, deposited it to a XXXX XXXX XXXX. A XXXX XXXX provided info showing the account was at one time linked to my Capital One account, not when check was cashed which is what matters. Had the account been linked at time check was cashed by other party, that might show funds were received by myself, which they were in fact not. A funds transfer from XXXX XXXX to my account showing the amount would constitute proof of receipt of funds. However, account was not linked at that time and there is no transfer of funds. She also references a check deposited in the amount of XXXX from the XXXX XXXX account to my Capital One account, which has nothing at all to do with check cashed in my name and funds not received. That check, in the amount of XXXX, has nothing at all to do with check in question in the amount of XXXX. I will again reference my signature on file, a signature card was provided at time of account opening, this is my true signature and is not the one on check, Capital One/XXXX XXXX will not bother to check this as they know I was not at my address to receive, sign check, cash it. Needless to say, they have no proof at at. At this time I would request the name of the supervisor of XXXX XXXX, in order to speak with him or her about this matter and the fact she has failed to provide the physical mailing address to send notice of small claim suit to or provided evidence I received check, cashed it, received funds.. She continues to refer to a third party web-site address which handles such notices, that site did not show a mailing address. She stated previously she would not reply to additional complaints and is again saying she might not reply ... .This goes to show her level of ignorance, I believe a reply is required by the CFPB which she should know ... In closing, she could avoid continual complaints if she wants to get check reissued. I am owed a total of XXXX by Capital One, they chose to stop payment on a prior check which was cashed by myself, the day before I left on XX/XX/XXXX..This is their error which they will not admit to
Consumer complaint received 2018-09-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I do not owe money to anyone. There is no reason for any debt collection service to be calling me. I am on the do not call list. I get multiple calls a day, four or five days a week from some company whose number comes up on my caller id as Portfolio Recovery. The phone rings once or twice, then they hang up. There is no message left. If I answer, they hang up. This has been happening for several months. I have called them back and told them to stop calling me. They insist they need all sorts of personal information from me to take me off their calling list. I have offered to give them the phone number only, but they keep insisting they need other personal information from me. I do not know these people. I owe no outstanding debt to anyone. I refuse to give out my personal information to them, but I want these calls to stop.
Consumer complaint received 2018-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NC)

DITECH is committing mortgage fraud. DITECH is printing two invoices, from my account, in a single 30 day period with erroneous data. One invoice shows my payment on time and the second one does not. They use the second invoice to show the credit bureaus I did not make a payment, when in fact I have made the payment on time and in whole. DITECH is causing me harm and others like me. I want DITECH to provide to the CFPB what month I was late with invoices and bank statements, and I will show the bank statement and DITECH invoice that shows every single payment on time for the past 12+ years. Due to the fact, I have never missed a payment nor have I never not sent the whole amount as per the mortgage contract. DITECH is attempting to seize my property which has a large amount of equity and remove me from my home of 12+ years. DITECH 's reputation proceeds them as a crooked and fraudulent mortgage company. They are no better then countrywide, green tree and other crooked mortgage providers.
Consumer complaint received 2017-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (WA)

Our mortgage was with Nationstar and was on Autopay. Our interest rate is low and we were constantly hounded by this company on a weekly basis to refinance. They called our cell phones, emails and mail profusely. We asked them to stop. They did not. The mail increased with weekly junk mail. In XXXX they sold our Mortgage to Mr. Cooper. We did not pay attention due to the fact that our payment was on auto pay. The impound account had increased and so they denied our payment. They called but we had the numbers blocked due to the constant commercials. They then put us in default. We caught this when they sent us a default notice. We immediately checked in to this and even paid the late fees. 
They sent us to collection and it lowered our credit scores over 120 points. We have never had a late payment for anything. We have always had sterling credit. Now due to such ridiculous business practices they have lowered our ability to get XXXX XXXX. I have contacted the company and they will not turn around the credit report. They do n't care about their fraudulent tactics of business. They said they tried to contact us when the auto payment was denied. I do n't know because they were so obtrusive with their harassing phone calls to refinance. I could not be more disgusted with a mortgage company.
Consumer complaint received 2018-08-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

XXXX 's is not allocating payments as requested and instead is applying them so they can collect interest. A payment of {$120.00} was made in XX/XX/XXXX and two phone requests were made to apply to promo balance, they didn't. My daughter wrote to the XXXX and they still didn't help. They just keep saying " that's the rules '' but I was told that payments can be allocated as requested if I call. I called twice. 

For XX/XX/XXXX, I made my daughter pay all of the balance because I am tired of calling XXXX XXXX. I thought if I pay the balance the rest has to pay the promo. Instead they charged interest. Interest on what? The balance is paid! This is not the first time this problem happens. I complained about this same problem to XXXX and CFPB in XX/XX/XXXX. XXXX 's continues to be horrible. This is why I don't shop there anymore and hopefully my daughter will stop too.
Consumer complaint received 2024-02-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

This company is XXXX XXXX who says they bought the debt from LVNC Funding? Neither of these companies are on my credit report and I am showing another company, XXXX, for the debt they say they are trying to collect. I have paid {$350.00} of the debt and they will not provide me with a letter showing this is a valid debt I owe.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/XXXX I received two emails from Bank of America. The first says that my application for a new account was received, the second says my account was approved and opened. This is in regards to a Bank of America XXXX XXXX Banking Acct ending in XXXX. I never requested this account. When I called BofA to inquire they sent me to the fraud department. They questioned to make sure I had " no recollection '' of opening the account. I assured them I did not. The BofA associate warned me that " they '' have my social security number and sent me steps to follow regarding identify theft. This was alarming to me and I worried that " they '' could open a credit card or something in my name. I immediately contacted XXXX to alert them about the identity theft and set up increased notifications/ text message alerts in case " they '' opened any other accounts in my name. Then just yesterday the news broke that BofA was opening accounts on behalf of customers in order to meet sales goals. This is RIDICULOUS. They are creating false ALARM in customers in order to meet sales goals? The customer service agent never mentioned that this is happening to other people and not to be alarmed. They made the situation worse by making me concerned about my identity being stolen.
Consumer complaint received 2023-05-08
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-08
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. (MO)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-13
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (CA)

i have reported harris and harris already because they were calling everyday i dont owe any debts so am not sure who they are calling for now they call let it ring twice and hang up the number is XXXX area code XXXX XXXX please make them stop calling period thanks
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # 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 a account without my written instructions
Consumer complaint received 2023-11-16
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. (FL)

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. 
I ask XXXX, Transunion, and XXXX to reinvestigate these accounts : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.I demand the following accounts be verified or removed immediately : FRAUDULENT ACCOUNTS Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent
Consumer complaint received 2023-05-08
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 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 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
Consumer complaint received 2023-09-08
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV INC. (NJ)

The companys response in regards to a disputed charge on my behalf is unacceptable. The agent never told me they could not dispute the charge due to it being over 120 days, hence how the dispute was able to be filed in the first place. Instead of filing the dispute, the agent should have told me it could not be filed. Had that happened, I wouldnt have wasted my time and energy filling out three pages of their stupid dispute form and faxing it to them along with a copy of my bank statement.