davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
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. (NY)

Recently accessed my credit report and noticed many discrepancies on the report. These accounts are holding me back financially from obtaining anything involving my credit such as a car and purchasing a home. The following accounts I do not recognize and are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as two XXXX  XXXX inquires. I also noticed several different addresses on my credit profile that do not belong. The following addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX, FL XXXX. And the only variation of my name is XXXX XXXX do not understand the many different names up there. My only phone number XXXX. Also I have read that according to law that these in accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

XX/XX/XXXX balloon payment came due Upon my trying to pay my monthly note online. 
No Advance notification received prior.Ive Tried to work out with my loan service Mr Cooper.I subsequently reached out to other mortgage company to refi with taking on thilian so I would have 1 payment. After being approved and started the process early XXXX When COVID hit.At this time my main mortgage Company put a hold on all transactions forward I tried again with Mr Cooper to get a loan Modification they refused going back and forth With Mr Cooper to no avail.I finally received A short forbearance. During this time my husband past away XXXX.I stayed in communication with Mr Cooper the entire time. 
I eventually got a payoff from Mr Cooper of {$26000.00} I sent them this Amount and they returned my certified Bank check with original Service Company Nationstar. It is obvious that Mr Coopers intention is to Steal my home during this most Stressful time in my Life. I am A Senior citizen and my Dearly Departed Husband was a Veteran who served his Country
Consumer complaint received 2020-07-20
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: Experian Information Solutions Inc. (IN)

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.XXXX, XXXXXXXX XXXX XXXX   XXXX account are fraud, having my false identity. They gave me two letters of release stating the debt wasn't mine Experian and XXXX keep  putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX IN XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2018-06-25
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)

I sent XXXX XXXXXXXX XXXX, The furnisher of the information and I requested that they conduct a investigation for for these items in question under FCRA Sec. 623. This accounts was charged off but still was reporting balances on both. I sent the letters off dated XX/XX/2018 requesting this info. Since, that time I have received a numerous replies, that has been filed. Now, as of XX/XX/2018, I received a letter stating " you did not indicate what specific information I was disputing '' and to contact the reporting agencies about these accounts.
Consumer complaint received 2020-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch Sturm LLP (NE)

On XX/XX/2020 my pay check was garnished {$450.00} for a credit card debt owed. The balance owed was {$1500.00}. The attorney handling my debt, Rausch Sturm Israel and Enerson ( XXXX ) have continued to garnish my wages, although the debt is now paid in full. I have now paid {$1800.00}. When I called to complain, they seemed uninterested and I never received a call back. I need what I overpaid to be returned ASAP. I emailed them paystubs showing the garnishment is still happening.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.
Consumer complaint received 2020-05-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (NY)

I was unaware that I was in debt to a gym. Nobody has called me nor reached out through mail to let me know that any debt was owed. Today I opened my email to see a change on my credit report that says my credit score dropped because of debt that is in collections. Because nobody reached out to let me know this seems unfair that my credit score is impacted over a debt of less that {$90.00}. What is the protocol for these collection  agencies?
Consumer complaint received 2020-05-01
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (NY)

I had a lease with JPMCB Auto which ended in XX/XX/2020 and they still showing this lease as open lease in our credit report but it is already pad and closed, I am trying to refinance my mortgage and because of this is holding me to do it. I called them 3 times and they always promise to fix and provide letter but they never mailed me anything to prove that is paid and closed.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Equifax XX/XX/2018 Confirmation # XXXX Personal Identification Information under previous address Equifax has for the last past months after I have reported that these address are not my address and have ask Equifax to provide proof of the said address that are not mine or have ever been any address of mines. 

Wrong Address ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Provide proof of these address on file by Equifax as my address belonging to me by lease, purchase, rent in documentation as in my name. 
Equifax has the wrong information as to these address and it has been over 4 months now and incorrect address and information on file.
Consumer complaint received 2020-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (CA)

Debtor Collected final payment and I closed my account with Navy Federal Credit Union in XXXX XXXX with no late payments. This was on a secured Visa card with a security deposit of {$1200.00} on it. Company did not offer pre-paid debit/credit cards and advised this was best route, a secured card. Was immediately issued a card and used for a couple of months. Never paid back balance and asked them to just close my account. They said they had closed and I had stopped receiving corresponding mail from them, then I receive a checking account security lock on my account because of it and limited access services-wise, then a denial of services all together. Found out they had not closed my account and unauthorized charges were accrued on my account which then resulted in unknown prolonged delinquencies and an account balance of {$85.00}. The amount accrued for the high credit limit field in the 7 major credit bureau reporting of the file. File wasn't officially closed until XXXX XXXX. Contacted creditor and they refused to do business with me again due to this fraudulent activity in which occurred on my account ( s ). I request immediate deletion of this reporting from the 7 credit bureaus due to it's ; unfair, non-current, derogatory payment history and status on my report. Credit reporting from Navy Federal should include final payment activities and an updated statuses due to the no longer delinquent accounts, which they fail to do. Please, assistance in this matter is needed and resolution is as easy as deletion of unverifiable information that can not be verified with myself or the representatives spoken to via phone call and written correspondence.
Consumer complaint received 2020-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

XX/XX/XXXX I have been requesting for the " pay off letter '' and every time I call in for it, there is an automatic system where it states " the letter will be mailed out with 7-10 business days and without the letter I will not be allowed to pay off the loan. '' I have also tried 4 times requesting it off the online portal and it will not allow me to do so. 
In XXXX I have called the customer service and every time I ask to speak with someone about the pay off they have transferred me over and the call drops and this has happened on the daily for over the two weeks. 

I have logged in and tried to make the off amount but it will not allow me it is asking for a different amount then my statement and will not allow me to make more or less then. 

I have not made a payment since XXXX due to this issue with the company and I have been charged penlenty
Consumer complaint received 2020-05-01
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. (VA)

I never applied for a XXXX  store card. I only checked to see what my preapproval credit line would be. I never made an account, and I never placed an order. I also never received a credit card agreement which is my proof that I never signed up or authorized XXXX to open a credit account in my name. This opening has caused a severe dip in my credit score and I did not authorize this account to be opened.
Consumer complaint received 2016-09-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (SC)

I have been banking with TD Bank for approximately two years. I knew from the beginning that they were nothing but a bunch of crooks. They expect their customers to keep a specific balance in their checking account. I talked with the manager at the TD bank in XXXX about the {$15.00} service charge based on the balance. He agreed that it was not appropriate and refunded my money. It is my money and not this bunch of crooks. 
They took {$15.00} out about two months ago and I complained. They refunded the money. Now they have done it again and overdrew my account. CROOKS. I will change banks just as soon as my SS check is deposited. I hate the legal crooks that banks are. They provide no services.
Consumer complaint received 2022-09-13
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. (GA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-05-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (IL)

On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I sent written notices to Merchant 's Credit Group that I disputed the above referenced debt, and requested validation THREE times. 

On XX/XX/XXXX, I sent them a validation request. I never received any paperwork they stated they mailed out to me. After the 30 day time frame for Merchant 's Credit Group to given to validate the debt, I received a computer generated statement stating the original creditor, account number, amount, the last four of my social security number along with my first and last name. I sent them a letter demanding them to delete the account due to NOT validating the debt with the 30 day frame. The account is still showing up on my credit reports. 

On XX/XX/XXXX, A Female supervisor inform me that shes NOT allowed to verify the info over the phone but demanded I give her my information in order to proceed. She lied to me that Merchant 's Credit Group never received my DV letter and then put me on hold for 10 minutes then informed me they did receive it. She refused to provide any information over the phone. She then raised her voice at me stating that Merchant 's Credit Group sent everything to me, and to deal with it myself and hung up. 


Merchant 's Credit Group has not responded to any of my validation requests mailed to them. 

On XX/XX/XXXX, due to Merchant 's Credit Group failure to validate the debt 3 times, I sent them a Notice of Failure to Validate Debt of Account No. XXXX and demanded the account be removed from all three credit reports. 

Merchant 's Credit Group has not provided a signed contract showing my liability by corresponding my Social Security number with my signature to ANY of the validation requests and nor removed the account after receiving a Notice of Failure to Validate Debt of Account No. XXXX.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (SC)

Truist bank : XXXX overdraft fees overnight. As of XX/XX/2022 I had overdrawn my checking account, it was XXXX overdrawn. I deposited XXXX in my account on XX/XX/2022 at XXXX pm. Making my balance XXXX. I did order groceries online for delivery. 
Truist bank switched dates on some purchases so they could charge me 4 overdraft fees overnight. It is now XX/XX/2022 XXXX a.m My account is now negitive XXXX. 
This happens every month because they move the dates of my purchases. 
I'm XXXX and I get XXXX. I struggle as is. I don't need a crooked bank playing a shell game with my money.
Consumer complaint received 2018-06-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (IL)

We recently bought a new house and our loan was bought by several companies before staying with Selene finance. We paid our first payment ( XXXX ) via check. It was made out to Selene and they cashed it and it cleared our bank. When we went to set up our online profile on their website a month later it had said that we didn't pay for the month of XXXX. When we called them to find out what happened to the XXXX payment we were told that it was " reversed '' ( they couldn't tell us who reversed it or why ). We never got our payment refunded to our bank though. We have called dozens of times and each time we have gotten different answers on why it was reversed and why we didn't get our money refunded. Reasons varied from the payment was for a month prior to us buying the house, the routing number on the check was hard to read, they didn't even see the check and they didn't know why it was reversed and one time they just hung up without ever calling back. We were also told that we made it out to the previous lender but we sent them a copy of the cleared check showing it was made out to Selene finance. They had stamped the back and cashed it. Every time we talked to someone they said they'd find out and call us back. No one ever called back. After several calls they said they would look into it. Shortly after that we received a letter saying that they would investigate over the next 30 days and they wouldn't report any detrimental info to the credit agencies. The 30 days is almost up and no one has called. After we called several more times they have not gotten any info on what is happening. We were not allowed to pay our XXXX payment because the system wouldn't let us without repaying for XXXX. Recently we received certified mail stating that we were in default for failure to pay. We called and got in touch with the supervisor XXXX who said he'd look into it and get to the bottom of it and call us back. That was several days ago. I called again and was told that the default was still in effect but after everything is sorted out it should all fix itself and fall into place. They could not give me a time frame on when it would be figured out.
Consumer complaint received 2023-02-07
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. (FL)

XXXX XXXX XXXX Last reported XX/XX/2023 AMOUNT : {$6200.00} 15.U.C.168I THIS FRAUD ACCOUNT SHALL DELETE FROM MY CREDIT REPORT. 

XXXX XXXX OR XXXX XXXX XXXX NOT AUTHORIZE TO PUT THIS FRAUD ACCOUNT IN TO MY CREDIT REPORT WITHOUT MY KNOWLEDGE. 

DELETE THIS INACCURATE COLLECTION ACCOUNT FROM MY CREDIT REPORT BY LAW.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-21
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/2024 Subject : CFPB to take off negative score. To : Credit Union Transunion XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA, as a federally protected consumer, I am now opting out of any or all authorization I the consumer may have given you written, unwritten, verbal, or non-verbal per 15USC 6802. Thank you.
Consumer complaint received 2024-02-21
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. Transunion XXXX and XXXX is violating my rights I did not give written permission to report this on my credit report Account Name 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. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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.
Consumer complaint received 2024-02-21
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 1. XXXX/XXXX  - XXXX XXXX. XXXX XXXX - XXXX