davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (FL)

XXXX My lawyers XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Trustees XXXX XXXX Fiduciary and XXXX XXXX XXXX XXXX SC. With XXXX XXXX of SUNTRUST BANK. 
PUT DEBT AGAINST ME AND MY HOME. THEY TURNED INTO THE COURT AND IRS THAT THE DEBTS WERE PAID OFF. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
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. (GA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$17000.00}.
Consumer complaint received 2024-02-05
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. (TX)

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
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. (TX)

Only hard inquiries that should be reporting on my credit report are XXXX XXXX and XXXX XXXX. Ijnfirmed them I never applied for any credit with anyone other my bank.
Consumer complaint received 2024-02-05
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm asking the credit bureau, I need you to delete the late dates on the disputed XXXX XXXX XXXX XXXX item as they agreed to remove the negativity due to their address error. Despite multiple attempts to correct this, the credit bureau has verified the account, violating the FCRA 's mandate. I'm not asking for an investigation ; I'm demanding the deletion of the unverifiable entry in non-compliance with the FCRA.
Consumer complaint received 2017-10-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX I took out a mortgage loan with XXXX XXXX XXXX XXXX for the amount of {$240000.00}. On XX/XX/XXXX, there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX. to XXXX XXXX  XXXX, XXXX XXXX as Trustee for XXXX XXXX XXXXXXXX XXXX XXXX, Mortgage Pass-Trough Certificates, Series XXXX. On XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX, Mortgage Pass-Trough Certificates, Series XXXX started a foreclosure action against me for the amount of {$190000.00} which is about {$47000.00} from the original mortgage 4 years earlier but I already had paid over {$97000.00}. How is that possible? I have been trying to fix the problem for this past year. I applied for a loan modification on XX/XX/XXXX but was denied on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Wells Fargo stating that Wells Fargo determine that I was eligible to pursue a short sale, so I decided to pursue a short sale as it was my only option. On XX/XX/XXXX required short sale documents was faxed to Wells Fargo with an offer of {$320000.00}, on XX/XX/XXXX they sent a denial letter. This was not the only offer presented to Wells Fargo offers were submitted on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX each offer getting denied. Not only that, XXXX XXXX is n't really cooperating with the agent from XXXX XXXX XXXX. If Wells Fargo determined I was eligible for a short sale, then why are they giving me a hard time every time documents are properly submitted.
Consumer complaint received 2024-02-05
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. (VA)

The U.S. Department of Education violate my rights. Due to the fact of family and educational privacy act of 1974.and never gave me the opportunity to opt out per 15 USC 6802
Consumer complaint received 2016-08-21
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (OH)

On or about XXXX XXXX, XXXX I lost my XXXX XXXX Checkbook which had been previously setup to use as a payment account on my Discover IT account with Discover. I immediately contacted XXXX XXXX to close this account and open a new account. I neglected to update my bank information with Discover so that my new XXXX XXXX account would be able to be utilized for payments. I infrequently used my XXXX XXXX account to pay Discover, as my main account to pay Discover was XXXX XXXX. On XXXX XXXX, XXXX I scheduled a payment to Discover from my XXXX XXXX account which had been previously closed in XXXX XXXX unknowingly that I had n't updated my Discover account with new XXXX XXXX account information. On XXXX, XXXX I was notified by Discover electronically that my account was delinquent. I contacted Discover about this issue and was informed that Discover had received the returned payment back from XXXX XXXX who indicated with the returned payment that the account had been closed. This was the first time that I became aware that the XXXX XXXX information had n't been updated with Discover. Discover did reverse the return payment fee of {$27.00} on XXXX XXXX, XXXX. I 've had this Discover account since XXXX XXXX, XXXX without any missed payments. I have received credit line increases on this account which initially started at {$6500.00} and now has a credit line of {$26000.00} which is evidence of my exceptional history with Discover. I applied for another credit line increase as has been routine for me and was shocked to be declined due to " Delinquent history on your account ''. I immediately contacted Discover and spoke with Discover New Accounts and the Executive Offices and was informed that the delinquency status would remain on my account. I inquired with both departments about Discover 's claim in advertising that they will not penalize you for your first missed payment. I was informed that the delinquency status is not being reported to the major credit bureaus, but would only be maintained in Discover records. This is in direct contrast to Discover 's advertisement that they wo n't penalize you for your first missed payment, as I am clearly being penalized for being late with one payment over the course of a 2.5 years exceptional account history with Discover..
Consumer complaint received 2024-02-05
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. (AZ)

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 U.S.C. 1681. 

XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX # 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 an 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 2024-02-05
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. (CA)

First letter sent on XX/XX/2023 USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX disputing multiple inaccuracies and incomplete information on account XXXX. XXXX XXXX XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXX XXXXXXXX account number # XXXX Another letter sent on XX/XX/2023 USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX regarding the same inaccuracies and incomplete inaccuracies discounted in my previous letter with no re-investigation done on these accounts. I would like these accounts deleted for failure to do an investigations or re-investigation under the FCRA
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

I have tried to reach out to all three credit bureaus regarding a public record that is reporting on my credit report that should not be reporting but have yet to get any results. As of XXXX XXXX, 2017 public records including bankruptcy and judgements. I have sent XXXX, XXXX and Experian a letter from bankruptcy courts stating do they do not report bankruptcy along with a copy of the new law.
Consumer complaint received 2024-02-05
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. (MI)

This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I RECENTLY REVIEW A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRADULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

In XX/XX/XXXX We took a loan for XXXX from XXXX XXXX XXXX, which later was bought by XXXX XXXX XXXX XXXX XXXX  for a property located in XXXX County, Florida. Property Address : XXXX XXXX XXXX XXXX, XXXX, FL. XXXX. Such Mortgage was Paid and Satisfied ( Letter of Satisfaction attached ) in XX/XX/XXXX, but it is still coming up on our Credit Reports as an ongoing late payment. We respectfully request this situation corrected, since it is adversely affecting our credit scores and our ability to conduct our business.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/XXXX We took a loan for XXXX from XXXX XXXX XXXX, which later was bought by J P Morgan Chase Bank for a property located in XXXX County, Florida. Property Address : XXXX XXXX XXXX XXXX, XXXX, FL. XXXX. Such Mortgage was Paid and Satisfied ( Letter of Satisfaction attached ) in XX/XX/XXXX, but it is still coming up on our Credit Reports as an ongoing late payment. We respectfully request this situation corrected, since it is adversely affecting our credit scores and our ability to conduct our business.
Consumer complaint received 2024-02-05
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. (OH)

Transunion Fraud Center XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH , XXXX XXXX, XXXX, XXXX, am acting on my own as a natural person and consumer. There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete these items listed below IMMEDIATELY! 
ADDRESS XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX ACCOUNTS/INQUIRES/ COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX | XXXX XXXX XXXX| XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX| XXXX XXXX XXXX| XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN XXXX end the XXXX XXXX and XXXX  XXXX : ( XXXX XXXX to aTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX XXXX. UCC 1-308
Consumer complaint received 2024-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I dispute the accuracy of my credit report, specifically, the following accounts that do not belong to me : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inclusion of these accounts not only inaccurately represents my credit history but also raises concerns about non-compliance with the FCRA.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (FL)

In XXXX XXXX We took a loan for XXXX from Washington Mutual Bank, which later was bought by J P Morgan Chase Bank for a property located in XXXX XXXX, Florida. XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, FL. XXXX. Such Mortgage was Paid and Satisfied ( Letter of Satisfaction attached ) in XXXX XXXX, but it is still coming up on our Credit Reports as an ongoing late payment. We respectfully request this situation corrected, since it is adversely affecting our credit scores and our ability to conduct our business.
Consumer complaint received 2024-02-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope that upon receiving this letter, you will promptly comply with my request. I prefer to avoid filing a complaint and believe that your cooperation is in both our best interests. If the appropriate steps to rectify this situation are not completed within 10 days, I will be filing a complaint with the Federal Trade Commission ( FTC ) against your company. XXXX XXXX XXXX
Consumer complaint received 2017-10-27
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Northstar Location Services, LLC (AZ)

This company calls my business looking for someone that is not here. They fish for personal information. They use threats and intimidation. They are rude and obnoxious. They continue to call even though told that the person they are asking about is not here. 

I will not be threatened by some random low level XXXX XXXX collection agency looking for information on someone not at this number. If they call again, I will call the police.
Consumer complaint received 2024-02-05
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Balance : {$3000.00} XXXX XXXX Balance : {$3200.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2021-11-01
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX XXXX I had attempted to Rent a car from XXXX XXXX XXXX XXXX at XXXX XXXX I had reserved the car through the prepaid option on the website. I had used my Capital One credit card. When I went to rent the vehicle i was informed that i was unable to rent the car because I did not want to give the extra {$100.00} for deposit as i had reserved the car on line with the prepaid Reservation. The representative and I had words as I reminding him of the Prepaid and its terms and he was not honoring the agreement. I admittedly said choice words to the agent and left to go to another rental car company I tried to reserve another vehicle at XXXX on the website and went there unbeknownst to me that the same representative worked at the XXXX XXXX XXXX XXXX and he maliciously charged me twice in that same day making 3 separate charges on XXXX XXXX. I call Capital One the same day i requested that they do not allow the charges to be processed and they informed me that were not able to stop the charges but i know they could. I called capital One again and initiated several disputes, but they did not honor my request then they said it was past the time of resolution and i was charged {$230.00} on the initial rental {$450.00} on the second and {$230.00} without the use of a vehicle. Totaling {$910.00} alongside late fees interest and the delinquent late payments, and the derogatory late pays that occurred during the time of the several disputes. I am in need of good credit so i tried to make payments to restore my credit until I was made aware of this Bureau .In hopes that i might get help and justice
Consumer complaint received 2017-10-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Second Alliance, Inc. (CA)

XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX Collector contacted by place of work. I am unable to receive personal calls at work and was in the middle of a meeting with my boss when the second call was answered. I did get reprimanded for the second call being that it was personal and my boss was present when it was answered. The person on the phone stated that he called this number because I didnt answer my personal cell phone number. He was never given permission to call my office phone.
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

TD BANK CLOSED MY ACCOUNT WITHOUT NOFICATION.PUT A HOLD ON MY FUNDS ..MY ACCOUNT HAS MY UNEMPLOYMENT {$430.00} TRANSFERRED ACH TRANSFER OF XXXX unemployment transferred frome a XXXX account.._ {$1000.00} dollars from a XXXX account..all funds should be released back to me..they give you a XXXX XXXX.. which no one picks up and is no longer a 24hr bank
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.
Consumer complaint received 2017-10-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.C. System, Inc. (CA)

IC System keeps contacting me. I set up payments with them and there was some glitch on the second payment so they called me and demanded immediate payment, giving me a deadline of 3 months. I disputed the amount of this collection and only set up the payment plan so they would stop harassing me, but it looks like they plan on harassing me either way. When they call, they refuse to leave messages.