davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
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. (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 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 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 2023-05-30
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: EQUIFAX, INC. (FL)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 A Section 2 : it also states a consumer reporting agency 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 reason.
Consumer complaint received 2016-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

Six years ago cleared up flood insurance with XXXX XXXX XXXX on vacant land, no flood insurance required. Three years later XXXX XXXX XXXX sells our mortgage to Nationstar. paying the usual monthly payment to Nationstar for about a year they suddenly send a letter to us stating we need flood insurance and if we do n't get it they will place insurance on us. I explain what we did with XXXX XXXX XXXX that the structure was removed there for no insurance required. I send proof from town hall stating the removal of the structure. They say not good enough and decide to place flood insurance on to our mortgage. Nationstar was asking for an additional XXXX month and we refuse to pay the extra money but continue to send the regular payment hoping we resolve the situation.We send the regular payment for about 8 months and that is when they refused to accept anymore payments from us and put us into foreclosure. Two years later and XXXX lawyers later we are stuck in limbo. Our credit is destroyed ca n't get a loan ca n't refinance on any of our properties. 
Thank you XXXX
Consumer complaint received 2023-04-17
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. (GA)

Please be advised that I have received your computer-generated letter stating that, it did not appear that I or a properly authorized third party sent in my letter asking for a re-investigation and demanded that you provide actual proof of the information that was used to verify and the accounts on my consumer report. And that, in your opinion, you believe that I have used a third-party credit repair agency/ credit clinic . 

Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

You were advised by me on, XX/XX/2023, by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by menot a third-party agency. 

Please be advised that TODAY, XX/XX/2023, makes the 15th calendar day from when you received my request, and BY LAW, you were supposed to provide, to me, as the consumer, THE DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION. 

You have now, in fact, VIOLATED the law and MY RIGHTS as a consumer. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation.
Consumer complaint received 2023-05-30
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: EQUIFAX, INC. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-16
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. (IN)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-14
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, XXXX and I went to Macys XXXX for shopping the following : 1 : One dinning table with 4 chairs 2 : one SOFA 3 : one bed frame with nightstand The Salesman is XXXX XXXX XXXX ( His phone extension XXXX ext. XXXX ) and he helped me to choose a pretty satisfied threXXXX pieces with the chosen colors for SOFA and Bed ) However when the furniture delivered in early XX/XX/XXXX, the colors for the SOFA and the Bed are not the ones I told XXXX to purchase. So Macys delivery returned the SOFA and BED to Macys and I asked XXXX to re-write the sales order for me with the correct colors. At that time, XXXX told me that the BED sales price has increased by $ XXXX and he asked me to pay more with my Macys credit card and promised me that Macys XXXX give me a refund of ~ {$350.00} check in mail. 

Right now it's already XXXX XXXX, XXXX and I never get the refund check from Macy in the mail. I tried numerous time to contact XXXX for the issue, I sent him several emails and tried to talk to him by phone for days and weeks. I spent hours and hours on the phone but the last time XXXX said that he submitted to the customer service for the {$350.00} refund and I should be getting the money soon. However I never get it. I am filing this complain since I do not want to spend endless time on this issue and I believe that Macy should investigate this and get back to me for the refund ASAP.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (IL)

On XX/XX/year> I had a hard inquiry made fraudulently on my credit file. I was a victim of Identity theft & would like the hard inquiry removed from my credit report. The company is XXXX. Ive called on multiple occasions about this inquiry and it is still not removed from my credit file.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-03-12
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

In XXXX ( I do not have an exact date for the first two calls ), I began receiving robo-calls from Citizen 's One ( XXXX ) regrading an auto-debt owed by someone I do not know. Over a year ago I had also received debt collection calls for this person, but they stopped after I informed the company that I did not know him. However, this time I have received REPEATED phone calls for this person even after I have informed the company multiple times that I am not and do not know him. I have been questioned aggressively about whether or not I'm *sure* I don't know [ the guy I don't know ] basically every time. I also let them know that I am a teacher and they keep calling me during school hours. I even had my CLASS inform Citizens One that I am not [ the guy I don't know ], but I still get calls. 

Today, I received a call from XXXX for the same person. The caller would not identify what organization she was from when I asked, only asked if I was [ the guy I don't know ]. I told her that I am not him, I do not know him and I have repeatedly asked them to stop calling me. She said she would remove my number from their calling list. However, I AGAIN received a voicemail from their robo-dialler.
Consumer complaint received 2016-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I had an insurance claim and Nationstar Mortgage is listed on all of the checks. I had to send the final check for withheld deprecation to them. They have been holding the check for months and they refuse to release it. They tell me something different everytime I call. I was told they would release the funds when the inspection came in at 90 %. The inspection came in at 97 % but they still refuse to release funds. They wanted paid in full receipts for the work and I sent those. They refuse to release my money and they continue to request the same documents over and over again. They are determined to keep my money.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My ex-husband used my name to co-sign the apartment lease and stopped paying. The account became delinquent. He finally paid the leasing company the discounted amount they offered before sending the account to collections. 

They verified via email that the account was paid off before it was sent to collections, but refused to mark it as such. It appears as a collection on my credit report. 

I believe this account should be removed from my report completely as I never lived in the apartment and never knowingly agreed or have been notified about the past due amount before it reached {$9000.00}. 
If the account is to stay on my report it should not show as a collection, as it was never sent to collection agency and was paid off.
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (TX)

XX/XX/2023 Experian is reporting a collection on my report that is inaccurate. 
The account is listed as : XXXX XXXX XXXX ; XXXX XXXX. 
Balance {$1200.00}. 

The account has been paid and closed. 

XX/XX/2023 I have mailed letters, disputed online, and called Experian to remove the inaccurate account being reported. 

XX/XX/2023 The collection company XXXX XXXX XXXX advised they would submit the updated account information to the credit bureaus, and did not. 
XXXX XXXX XXXX is not who the debit is with, the debt was with XXXX XXXX. 

XX/XX/2023 This inaccurate account being reported is hindering me to be able to purchase a new home.
Consumer complaint received 2016-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (LA)

To Whom It May Concern : The reason for me writing is to seek your assistance with my mortgage company with the modification of my mortgage loan ; and to restricted them from dual tracking proceeding with the foreclosure while my loss mitigation application is pending. 

Respectfully, XXXX XXXX
Consumer complaint received 2023-02-14
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: Experian Information Solutions Inc. (TX)

Remove fraud accounts off my credit file. XXXX, XXXX XXXX XXXX, and six closed accounts XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Are Fraud accounts.
Consumer complaint received 2023-05-30
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. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX 
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 accounts 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 these 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 2024-03-23
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. (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 15 USC 1681. 

Account Name : XXXX : Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account XXXX : XXXXXXXX XXXX XXXX Account Number : XXXXXX Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX 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 2023-04-16
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2022, I purchased a vehicle from XXXX XXXX in XXXX, Tennessee on XXXX XXXX. My first payment was to be due on XX/XX/2022. 

I submitted my first payment XX/XX/XXXX, a week early as I have been trying to improve my credit score. I received a notification saying the transaction was successful on the same day. I then get a message on XX/XX/XXXX, 2 days after the due date, that my payment did not go through and that my {$690.00} was returned to my account. I make another payment on XX/XX/XXXX, for the payment that was due on XXXX, and get another email that says my payment was successful. I get another message on XXXX, saying that my payment of {$690.00} was again returned to my account. 

I call XXXX personally and tell them about the issue and they direct me to my bank saying it is on their side. My bank, XXXX, said that is false and if it was on my them, then ALL transactions would not be going through. This was an error on XXXX I choose to pay my note again as I am worried this may affect my credit score, I make another payment on XXXX and get the same message of my payment being returned on XXXX. My XXXX XXXX then drops XXXX points as I technically was late on my first payment by 30 days, which is not the case. Eventually, this stops happening and I never understood why it was happening in the first place, all I got from XXXX was that, " This should be good now. '' Please see attachments, I should not lose XXXX points for XXXX 's negligence.
Consumer complaint received 2017-07-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (OH)

I signed up for 0 % for 12 months with XXXX XXXX with the account issued by Wells Fargo National Bank. On X/XX/17 I sent a balance transfer from my credit card to Wells Fargo and the balance transfer was rejected. I called my credit card and they told me the balance transfer was returned back to them as Wells said the account information did not match the owner. Since this occurred, Wells charged my account 900 roughly in interest. I want this rolled back and the overnight address provided so I can get this off the account.
Consumer complaint received 2017-07-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NY)

On XXXX XXXX, 2017, I sent {$220.00} to my friend, XXXX XXXX, who resides in XXXX XXXX, XXXX. The money, Transaction # XXXX, was sent through Western Union at the local, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. The funds were sent on a Saturday afternoon. Unfortunately, the next 2 business days ( Monday & Tuesday ) in XXXX were holidays, and the banks were not opened. On the Wednesday, XX/XX/XXXX, Western Union in XXXX, paid the funds to someone claiming to be my friend. XXXX XXXX does not drive nor own a car, and lives about XXXX miles south of XXXX. She did not pick up the funds. Upon learning that the funds had been claimed in XXXX, I contacted Western Union, and filed a complaint, Claim # XXXX. My claim was investigated according to XXXX XXXX, and determined that it had been correctly paid. I asked how that was possible if XXXX XXXX had never been contacted? No reply. So, I believe that inside Western Union in XXXX, someone intercepted the transaction. Western Union does not care if XXXX XXXX actually received the funds. This can not be accepted as right, just, nor business as usual.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (CA)

XX/XX/2022 Self financial XXXX XXXX XXXX Dear Credit Reporting Department or Self Financial ) : Re : ( account number ending XXXX ) On XX/XX/XXXX, I paid my account balance off. That information was supposed to be supplied to bureaus on first week of XXXX. Last rep informed me it was sent on XXXX. 

Unfortunately, your ( product or service ) has not performed well ( or the service was inadequate ) because the bureaus have stated XXXX has not sent reports on time its been the XXXX of the following month ) .XXXX  stated it automatically updates and they can see that none of the reports have ever been on time. I am disappointed because Ive expressed my frustration over this since XXXX. This product doesnt help the consumer. My balance has been XXXX since XX/XX/XXXX and yet it still hasnt been updated with bureaus.