davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
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. (NJ)

I lodged a complaint with these Bureaus a couple months ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-03-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BANK OF NEW YORK MELLON CORPORATION, THE (PA)

My husband is turning XXXX and we called to cash in IRA CDs he purchased XX/XX/XXXX through XX/XX/XXXX. Mellon Bank was purchased by Bank of New York and we were told the IRA CDs were held under XXXX Mellon. We provided XXXX Mellon the information from the CDs ( we have the original certificates ) but they claim they can't locate them. They keep giving us the run around and are not even trying to locate our money.
Consumer complaint received 2023-05-12
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. (NC)

This is XXXX of my numerous attempts to alert credit bureaus to the fact that I have been the victim of identity theft and that I wish to inquire about specific data in my files that were obtained as a result of the crime. The paperwork I'm looking at has nothing to do with any purchases of goods, services, or cash that I've made or given the go-ahead for. Remove any information from my credit report that was allegedly obtained by fraud or extortion, assuming no one is looking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Consumer complaint received 2023-05-25
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$3500.00}
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I attempted over the last 90 days to use the website of TransUnion CRA. The site fails on a daily basis. It endlessly loads requiring users to call and file disputes by phone or chat! To suggest consumers have access to their credit reports, scores, or can dispute online is a complete lie. I am quite certain if you pay TransUnion their $ XXXX for premium access, well thenthe site works perfectly. However, the URL and basic access for an average consumer is manipulated and requires you to pay them for access to YOUR financial reporting data. This CRA is defrauding the consumer by suggesting you have access when you absolutely do not unless you pay them {$360.00} a year. THIS IS AN ABUSE OF CONSUMERS AND THEIR RIGHTS TO MANAGE AND MAINTAIN THE ACCURACY OF WHAT IS REPORTED IN TODAYS DIGITAL AND ONLINE EXPECTED DELIVERY.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

You are reporting inaccurate accounts on my credit report. I'm so stressed and very disappointed due to this events that harmed my mental health, emotional health and even put my family in distress! Start the investigation on these accounts.
Consumer complaint received 2023-05-25
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. (NV)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX  XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$250.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

In 2020 during the Pandemic I was the victim of identity theft as were many of us. I then placed a fraud alert with the reporting agencies XXXX, Experian, and XXXX shortly thereafter. Despite my effort to protect my identity and my nonpublic personal information the aforementioned agencies not only allowed my info to be used, misused, and abused but after I reached out and submitted a statement which can still be seen on my report as of to date stating that none of the inquiries or accounts added after the fraud alert was placed there had any accuracy they further allowed the inaccuracies to stay rather than remove them in accordance with 15 USC 1681i.
Consumer complaint received 2022-09-12
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
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: 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: Experian Information Solutions Inc. (MO)

I was just looking over my consumer report and found some addresses that appear to be incorrect. To make your process of deletion easier, here is a list of incorrect addresses that I am currently seeing listed : Incorrect Address : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX There should only be one address listed on my report, which is : XXXX XXXX XXXX XXXX, MO XXXX I also noticed that my name appears to be misspelled on my consumer report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. Once again, in order to make the process of deletion easier, here are the incorrect names : Incorrect Names : XXXX XXXX XXXX There should be only one name on my consumer report, which is, XXXX XXXX XXXX. 

Please remove inaccurate employers as well : XXXX XXXX
Consumer complaint received 2020-02-27
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. (AR)

I was trying to apply for a loan to purchase a jet ski and I was told that my credit had to be reviewed to see if I was eligible. As they checked my credit they told me I was eligible but my interest rate would be high due to my score not being the best. I asked what was the reason behind this and they told me there was some student loans on my account that was hurting me. I have never applied for student loans. The loans do not belong to me. My identity has been compromised. Please delete these student loans from my report.
Consumer complaint received 2024-01-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAROLINA FINANCE, LLC (FL)

Towards what I thought was the end of the loan, I was told I still had about 8-9 months until it would be paid off. I requested the payment history but did not receive the full history. It documented payments from XXXXXXXX  and I got the car in XXXX. There were almost two years of payments missing.
Consumer complaint received 2024-01-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NY)

NOTICE OF DEFAULT OPPORTUNITY TO CURE Date : XX/XX/XXXXXXXX  American Honda Financial Corp DBA To : Acura Financial Services XXXX XXXX XXXX XXXX GA XXXX Attn : Client Relations Manager Account Number XXXX Pursuant to the Uniform Commercial Codes for ex. UCC 3-603, 3-604, & Contract laws this is to inform you that you are in default of the above-referenced account number. 

Please be advised that I, XXXX XXXX  XXXX the holder of a certain promissory note/coupon dated XX/XX/XXXX, made by you in favor of me in the original principal amount of {$30000.00}. 

You are hereby notified that you have defaulted to honor the tender of payment that was sent to you in good faith, on XXXX XXXX XXXX XXXX  at XXXX XXXX Delivered on XX/XX/XXXX via registered mail to Honda Finance Exchange XXXX XXXX XXXX in the installment amount of {$30000.00} due on XX/XX/XXXX, & to Your Indenture Trustee at XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX  attn XXXX XXXX. Another Tender of payment was sent to Honda finance Exchange with overnight delivery attn to customer relations manager and a letter to the Indenture Trustee XXXX XXXX at XXXX XXXX  to Speed up the process for an illegal repossession, return of the vehicle & amount paid in full. Along with a 1099a that YOU AHFC accepted by returning the copy B. the debt is now discharged. 
You had to legal ground to give my information to my home to a non affiliated third party towing company. AHFC had no legal judicial warrants as well, such actions are in violation with the USC Laws, also unauthorized credit reporting Violating FCRA. also The Privacy Act of! 974. 

Due to the Arbitration laws being amended in XXXX, Arbitration is not mandatory yet still can be filed if no compliance has been made. 

Due to federal laws, UCC codes, and the UCCC Acura financial Services has been in direct violation of not honoring secured registered securities. Securities that were sent by XXXX XXXX XXXX as tender of payment.

I hereby make a demand on you for full payment of the entire balance due on said note, including interest accrued till date.

If the entire amount due is not credited to the account in full, on or before XX/XX/XXXX, I shall commence legal proceedings against you. In which case, you will be liable to pay costs of collection, including attorney 's fees, Arbitration fees, any and all court appearances. 

last but not least the contract that was sent to me is a fraudulent contract, the signatures were placed there i can tell because those are old signatures that the company stored, as a copy and paste. I have a copy of the contract, XXXX Replaced the signatures from electronic to a digital copy and paste and I can prove that as well. contract that I have from Acura of XXXX XXXX XXXX XXXX imports, has no signetures. Therefore shows proof that the contact was signed fraudulently. 

Truly XXXX XXXX XXXX
Consumer complaint received 2024-03-15
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. (TX)

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 2020-02-27
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: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC Bank USA reported that I have a balance to the credit company in XX/XX/2019 and I had a XXXX balance. It made my credit score drop from XXXX to XXXX. I have contacted them to update my information correctly, but a letter was sent to me stating it updated. But its not updated. My XXXX  report for my HSBC creditcard ending in XXXX is currently showing no payment status on file.
Consumer complaint received 2024-01-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PayTomorrow, LLC (TX)

This company has refused to stop XXXX debits from the debit cards I have on file. 
I have written several " revocation of XXXX emails ''. 
I have requested that they close the account immediately. They will not honor any of my request. They also say I can not return the property in question to end this lease agreement.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Attached are my Legal Documents in PDF format as Follows : Revocation of POA, Revocation of Security Interest, Proceeds, and all and any insurance applied for on my behalf. I have also sent true and correct copies of both Recovaction Legal Documents to the court for filing in the current Civil Complaint, and to the XXXX XXXX XXXX XXXX XXXX representing attorney in the proceedings.
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

This complain is regarding the fraudulent charges that took place on my credit card due to the fact that it was lost without my knowledge .All the charges just happene

d with 24 hrs and citi bank failed to stop or notify me of any of these unusual activity When I filed a dispute for these charges, citibank denied this claim after reviewing for few weeks without any reason stated. The charges are for approx {$2400.00} in dispute. Whenever I call them it goes to offshore customer support and they just tell me not to worry. This is the letter that was written to citibank after they denied the fraudulent charges claim : Hello Ms
 XXXX I am writing this this letter to you with a great disappointment regarding this case. 
Today after contacting the dispute dept they advised me that you are the assigned investigator on this case and have determined that these are not fraudulent and but valid charges made by me.

These are the charges that were made at the following merchants ;  XXXX, XXXX, Home depot and XXXX XXXX  I would like to know that how did you determine the charges were made by me. I have not ever shopped at these merchants for such a large amount. These charges were made within few days which is very unusual Citibank should have contacted me right away and put a stop to these charges because this is not a regular pattern of the charges. They failed to take this action which resulted in all these fraudulent charges. 
I also demand the following : a ) Did the merchant verify my ID before the charges were approved -- Need report on this. 
b ) Do you have the signature receipts from the merchants for the purchases. I am sure these would not be my signatures. 
c ) Do you have video surveillance from the merchant which shows that who is making this purchase. 
There is no explanation that why this claim was denied and this is very appalling response from Citibank. 
These are not my charges and I demand that these should be credited back to my account. I refuse to pay these fraudulent charges
Consumer complaint received 2020-02-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I am a XXXX  military veteran with XXXX percent XXXX. 

I purchased a home using my VA certificate with Mr cooper/ Nation star. 

Because I have a XXXX XXXX XXXXXXXX  XXXX rating of XXXX percent, I qualify to be exempt from paying property taxes. 

I received my letter from the XXXX County Property taxes department and forwarded a copy to Mr Cooper on 3 months ago. 

The customer service department told me that their company does not comply with the tax exemption for veterans program. Needless to say that I am very disappointed and confused as to how they can deny this right to me.
Consumer complaint received 2020-02-27
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. (AR)

I was trying to apply for a loan to purchase a jet ski and I was told that my credit had to be reviewed to see if I was eligible. As they checked my credit they told me I was eligible but my interest rate would be high due to my score not being the best. I asked what was the reason behind this and they told me there was some student loans on my account that was hurting me. I have never applied for student loans. The loans do not belong to me. My identity has been compromised. Please delete these student loans from my report.
Consumer complaint received 2022-12-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022 I submitted a dispute letter to the credit bureau agencies ( XXXX, Transunion, XXXX ) explaining that the accounts below on my report are stating inaccurate payment history. 

XXXX XXXX XXXXXXXX -not mine XXXX XXXX XXXX  XXXXpayment never late I have not received a response from any other the credit agencies.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

On XX/XX/2020, I was working with XXXX  XXXX XXXX to refinance my house. 
They gave me a great rate of 3 % on a 15 year fixed loan. They tried to pull my credit reports to lock the rate, and the XXXX  XXXX XXXX rep told me that my Equifax report is frozen. He recommended I talk to them. I called their general number, at XXXX XXXX XXXX, and spoke to an agent who said he could not access my report. 
Get this : Equifax could not access my Equifax report. He wanted me to send additional documents to prove my identity. I said not a problem. I need the report to be accessible today so that XXXX  XXXX XXXX can lock my great rate. He said it will take 7 buisiness days. 
I explained that I do not have the luxury of time. I asked to me transferred to a supervisor. I spojke to XXXX employee id ( XXXX ). He also said that it will take 7 days. I explained again that i am in a time sensitive situation, and they must be able to do their job and access mny report when I sned in the documents. He was not understandable. I asked to talk to his supervisor, and he said that his supervisors " don't take calls ''. I asked : are you telling me as an equifax representative you are the highest in the company I can talk to? he said yes. I asked about the name of the CEO and address to send in a letter of complaint. He refused. I called the corporate office numebr listed on the internet : XXXX XXXX XXXX. The operator would not tranasfer me to anyone in the leadership and hung up in my face. 
Equifax is holding my equifax report hostage. I can't go on with my financial transactions because of that. This is a very incompetent company. It should be dissolved, and their rocords purged. There are 2 other companies that are doing the job. Why is equifax still allowed to control people 's lives with their incompetence? 
I need access to my equifax report.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I Talk to the landlord because i put in an application they didnt accept me because i have and eviction on my back ground thats clearly says dismissed so now they dont wan na rent from me because thats popping up on there i ask TransUnion can they dispute the problem so i can be able to rent from landlords cause i have kids i need to be in a place my background is perfect i just need some WHRE to live. The landlord dont wan na tell me the reason i wasnt accepted they say its going to be in a letter i told them how ima get the letter if Im not at that address they told me they dont know they just dont wan na rent from me at all cause that pop up from the TransUnion.