davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
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. (IL)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.
Consumer complaint received 2023-06-16
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)

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 XXXX XXXX XXXX. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2023-02-03
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. (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 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently review my credit report and noticed an account that was not reporting accurately. I had 5 late payments on the account that was in fact paid on time from XX/XX/XXXX to XX/XX/XXXX. It also stating my last payment was XX/XX/XXXX but is being reported as 150 days pass due. The consumer report and agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following dates XX/XX/XXXX to XX/XX/XXXX. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX  XXXX, XXXX, XXXX, and TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding these payments be reversed to paid and on time as agreed and never late of the following accounts : XXXX Account Name : XXXX  XXXX Account Number : XXXX XXXX Account Name : XXXX  XXXX Account Number : XXXX TRANSUNION Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2022-08-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TN)

They call all hours of the day and night all the way from XXXX to XXXX 7 days a week. They call when I'm at work and have told I can not take personal calls while there. Newest calls are everyday from different phone numbers I've had 4 just today, 3 yesterday, 7 on Sunday.
Consumer complaint received 2022-12-21
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. (SC)

Whom It may Concern.

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE All information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C ( 1681 ), every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The Following derogatory account allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately the infractions are as follows ; Alleging Creditor and Account as is reported as having a late payment my credit report : Creditor : XXXX XXXX Account Number : XXXX I demanding that this account be update to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX compliance regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you be certified mail.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IN)

I am submitting this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the handling of my credit report dispute by the credit bureaus. I have been disputing fraudulent items on my credit report for some time now, but despite my best efforts, the credit bureaus have failed to address my concerns. I have sent multiple dispute letters and have made numerous phone calls, but to no avail. As a consumer, I have the right to accurate and fair credit reporting, and I believe that the credit bureaus have failed to fulfill their responsibilities in this regard. These are fraudulent items on my credit report are negatively impacting my credit score and my ability to obtain credit : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have attached copies of the dispute letters I have sent to the credit bureaus, as well as documentation proving the fraudulent nature of the items in question. Despite this evidence, the credit bureaus have failed to investigate my dispute and continue to report the fraudulent items on my credit report.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/XXXX, we had reservations to stay at the XXXXXXXX XXXX XXXX XXXX. Upon arriving at the XXXX XXXX, they had XXXX room left, which smells like bleach and the plumbing did not work properly. We informed the staff they provide us with a plunger and the drain still did not work properly. We decided to go to another XXXX location the XXXX XXXX ( {$320.00} ) in XXXX XXXXXXXX XXXX due to almost all hotels were booked. 

It was late when we arrived at the XXXX XXXX. When we woke up in the morning, we noticed that the room did not have the accommodations that XXXX said they provided and the bathroom lights do not work. Upon leaving we left our charge. We called back within about an hour or XXXX to be informed that our charger was not in the room which we know we left. 

The following week we called the XXXX to inform them of our experience, and was advised that the case will be open. We requested to have half of our money refunded to us based on the quality of service that we received. We never received the case number, any additional information pertaining to our complaint, therefore I filed a dispute with Wells Fargo. I provided Wells Fargo all the above information. I was informed on Friday of last week that my dispute was denied. I was informed by the representative that we stay there, and that I will not be refunded for the stay. I found the Wells Fargo agent that I did not want to complete refund because we did actually stay there. We only requested half of our stay based on the quality of service. The agent for me at the time that they thought that the dispute was for the full amount, and that they will escalate that the prior agent did not notate that the dispute was for the quality of service and not a full refund. The the agent, apologize and stated that that was on them, and they XXXX need to eat the cost and provide me the funds from a dispute. Today I receive a call from XXXX and XXXX informed me that I stayed at the XXXX XXXX and I will not be receiving a refund due to that this is against Visas policies. I informed them both that I was not advised of this information on none of the calls when I filed my dispute or when I received a call last week for my dispute to be escalated. I am not in agreement with these findings and not happy that I was misinformed by multiple agents at Wells Fargo. I would like to receive a refund and amount of a half of a cost to stay at XXXX XXXX due I was misinformed by XXXX XXXX agent multiple times and I spend multiple minutes and hours on the phone with a dispute that would not be honored. This information should have been provided to me on the first phone call.
Consumer complaint received 2023-07-05
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (FL)

I was exchanging with a company called XXXX XXXX That was recommended by the prrson that I was having a relationship online ( XXXX ) and after we started talking on XXXX and XXXX and when I found out the everything was a scam i had started to contacted all the financial institution involved with the transaccion to see if they can do any about it but all of them appointed to go to crypto.com and asked them to refund it me all the money but they refused to cooperated
Consumer complaint received 2021-10-23
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. (GA)

I need your assistance in getting the following items removed from my credit file. These items are reporting as a result of identity theft. I have sent dispute letters on XX/XX/XXXX and again on XX/XX/XXXX to all 3 credit agencies with no results. The following items are reporting as a result of fraud : XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$330.00} ( XXXX, TU, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$5700.00} ( XXXX, TU, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$3800.00} ( XXXX, TU, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$320.00} ( XXXX, TU, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$1500.00} ( XXXX, TU, XXXX ) XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$1200.00} ( TU & XXXX ) XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$220.00} ( TU XXXX XXXX ) XXXX - Opened XX/XX/XXXX Bal : {$640.00} ( XXXX, TU, XXXX ) XXXX XXXX - Date Opened Bal : ( {$0.00} ) The following items are reporting inaccurate late payment for the following items : XXXX XXXX  - 30 days late in XX/XX/XXXX ( TU & XXXX ) XXXX XXXX - 30 days late in XX/XX/XXXX ( TU & XXXX ) XXXX XXXX - 30 days late in XX/XX/XXXX ( TU & XXXX ) XXXX XXXX - 30 days late XX/XX/XXXX - XX/XX/XXXX & XXXX - XX/XX/XXXX XXXX - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( XXXX, TU & XXXX ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( XXXX, TU & XXXX ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( XXXX, TU & XXXX ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( XXXX, TU & XXXX ) The following inquiries was not authorized by me : XXXX XXXX  XXXX XXXX XXXX  - 9 Times XXXX  - 2 Times XXXX XXXX XXXX XXXX - 13 Times XXXX XXXX
Consumer complaint received 2017-01-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

My home that I have owned for 18 years is scheduled to be sold at foreclosure on XXXX XXXX. Even though I have an FHA loan and sufficient fixed income, my mortgage servicer Nationstar is refusing to give me any options or agree to work with me to resolve this matter. They bombard me with collection calls telling me I have to pay them, and believe me I have tried to resume making payments to them. But when I go into their system it will not allow me to make a payment unless I reinstate the full past due balance ( a little over {$5000.00} ). I am not able to do that at this time. I find it hard to believe that there are no programs or options available for me. I have a reliable fixed income ( XXXX ) and this is a government insured loan. I believe that Nationstar is denying access to programs that should be made available to them because they prefer to auction this home instead of working with me. This is heartbreaking and wrong and I need someone to hold them accountable. 

I ran into financial difficulty a few years ago and went through the modification process with Nationstar and was approved for help through the government program. This plan actually RAISED my monthly payment, but I still faithfully made the payment each month. Things took a turn for the worse in XXXX XXXX when I XXXX. A couple of months later I was fired from my job because I had difficulty performing the duties. I hung on as long as I could and applied for XXXX benefits, but it took a long time to get approved for this. By XXXX of XXXX I was out of money and began defaulting on the mortgage payment. I immediately contacted Nationstar to try and work this situation out and began going through the process of applying for help. I was told that they were willing to help, and since I had gone through such a XXXX event ( XXXX and job loss and decrease in income ) that Nationstar would DEFINITELY work with me. Unfortunately that was not true. I went through the process and was told that since I had received help in XXXX that I could not receive help again. I tried to question this information after talking to HUD and tried to start the process again but was blocked by Nationstar. 

I do not believe that is the FHA rule for modification or restructuring assistance and do n't believe that Nationstar should be blocking me from reapplying to get a review based on my current income. 
I want to fix this problem, I want to save my house, which provides shelter for me and my husband and our daughter. I do n't understand why Nationstar is providing no options. I receive a steady XXXX check monthly and will be receiving it for the rest of my life so if they would work with me this problem will be put to bed and they will receive all of their money. Instead, I feel that Nationstar is violating the federal and state guidelines pertaining to FHA loans and moving to auction off my home. I do not want to stand idly by and let this happen.
Consumer complaint received 2022-12-21
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Dovenmuehle Mortgage, Inc. (MD)

I have contacted Dovenmuehle Mortgage on several occasions. I am currently in a modification plan and during this process they are still reporting a past due balance and Late payment status of 120 days. In the comment section it says the account information meets the FCRA. Also, we were going through the pandemic so they did not utilize the Cares act. Also according to 15 USC 1681 2 A ( i ) - the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. They are reporting transactional experiences.
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (GA)

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

Account Name XXXX XXXX XXXX Account # XXXX. Account Name XXXX XXXX XXXX Account Name XXXX  XXXX XXXX Account Name XXXX XXXX Account Name XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name XXXX  XXXX 15 U.S.C 1681 I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without instructions.

15 U.S.C. 1681c5 states no consumer reporting agency may make any consumer report.
Consumer complaint received 2022-12-21
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. (NC)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Hi, XXXX XXXX is inaccurately reporting a balance and past due amount of {$700.00} on my credit report for an account that has been charged off and resold to another creditor.
Consumer complaint received 2022-12-21
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: NAVY FEDERAL CREDIT UNION (GA)

IRS states they deposited {$3100.00} check in my account on XX/XX/2022 in my checking account. I never received it. The IRS HAS been tracking this check and XXXX XXXX hasnt responded for the 9 months.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Bank of America credit card. I an XXXX  for my XXXX + year old father. Found out by phone message on parents phone about fraudulent charges on XX/XX/XXXX. My father does not know. I called BoA, of course they refused to tell me anything. No BoA branches near me so I mailed it in with a statement to the address I was given in XXXX sent it priority. With tracking. BoA received it XX/XX/XXXX. Since then I have called several times per week, at first I was told that BOA has 10 business days to process the XXXX  which would have been XX/XX/XXXX. I called BoA on XXXX  XX/XX/XXXX the XXXX still has not been processed and I was on the phone for over an hour trying to get help. Now I am being told that they have 30 days to process the XXXX. Also last week when I called the fraud department, I told them I was making a complaint and I needed BOA routing number for the credit card account and the person on the phone asked his supervisor and then refused to give me the routing number.