davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
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)

I am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent items associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution. 

I initially brought this matter to your attention, and since then, I have made subsequent attempts to resolve the issue through your designated channels. Unfortunately, I have not received any meaningful assistance or resolution. 

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers. 

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. 

If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance {$580.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$1500.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX  XXXX  XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$5700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-06-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I have been disputing my mortgage payoff balance for several years. I have complained to my mortgage company, and they keep giving me standard non applicable responses. Despite the fact that my combined principle and interest payments exceeds the combined principle and interest of the original amortization schedule, they claim my home is not paid off. The basically extended my loan to make up for an arrearage, and had me pay off the arrearage separately. 


In addition, the Mortgage Company used a calculation to determine original arrearage, which was incorrect. They assumed it was interest only, which it was not. I produced a document from HUD  that showed the original arrearage was made up of interest and principle. Once XXXX paid all of the arrearage in XXXX, the principle portion should have been reduced from the outstanding principle. In addition, the mortgage should have been reinstated, with the principle and interest payments being brought forward to match the original amortization schedule. That would have applied more of my monthly payments to principle, following XXXX paying off my arrearage. Both the incorrect arrearage calculation, and lack of adjusting principle and interest payment distribution, created a error of about {$8000.00}. In addition, I think a penalty should be applied toward my mortgage company to the tune of about an additional {$2000.00}. Not to mention an excess penalty being applied to me in XXXX, to the tune of about {$2000.00}. That produces a grand total of about {$12000.00}, which should be reduced from my reported outstanding mortgage balance. Ill be  producing a spreadsheet, and will share it with PHH and CFPB.
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

on XX/XX/2020 I made my payment to Besy Buy Visa in full for {$38.00}. They didi not credit my account until XX/XX/2020 and charged me a {$30.00} late fee. I disputed and was told they credited the payment on XX/XX/2020 with no explanation as to why the payment was credited late and charged me another {$30.00} because I did not pay the late fee and disputed it again.
Consumer complaint received 2024-02-06
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)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TN)

I contacted Lexis Nexis and filed a dispute because they are reporting a bankruptcy disposition date of XX/XX/XXXX to XXXX. However, the disposition date is XX/XX/XXXX. They are also reporting a date reported of XX/XX/XXXX to XXXX. This is also inaccurate. I did everything right and waited two years post bankruptcy to buy a home using my VA eligibility. However, the whole process has been halted for months because when the mortgage company runs my XXXX  credit report, they see a bankruptcy disposition and report date of this year ( XXXX ), not the correct date. Because of this, they say I must wait two years from XX/XX/XXXX date reported. This is not right. XXXX closes all disputes and tells me to clear it up with Lexis Nexis. I have repeatedly file a dispute to correct the date via email nd mail to Lexis Nexis. I  even supplied Lexis Nexis with my federal court discharge paperwork showing disposition of XX/XX/XXXX. The lady at Lexis Nexis said the reported date of XX/XX/XXXX on the credit shouldnt matter, but it does matter to VA underwriting. In addition the date is not correct and should reflect correct date regardless. I contacted the bankruptcy court and they also stated they do not verify any information for Lexis Nexis or  anyone else. They also informed me that nothing else is in our file past XX/XX/XXXX. They said the XX/XX/XXXX was the result of an error or fraud. This needs to be resolved so I am privileged with my rights as a consumer to buy a mortgage and use my VA eligibility. Until the disposition and reported date is correct, I can't move forward.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

Evergreen Professional : XXXX I have paid this debt & it is still reporting and updating on my credit file with a balance. This needs to be removed from my credit file immediately. I no longer owe this debt.
Consumer complaint received 2024-02-06
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. (MI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX DOB : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX To whom it may concern you have violated my rights under the FCRA. 



XXXX- DATE LAST ACTIVE IS INACCURATE & ITS OUTDATED OVER 3 MONTHS NEED REMOVED DUE TO INACCURATE INFORMATION. NEED BANK FURNISHED STATEMENT & name or routing if not provided. Please remove XXXX XXXX- THIS ACCOUNT OVER 7 YEARS OLD NEED TO BE REMOVED DUE TO INACCURATE INFORMATION REPORTING OUTDATED INFORMATION PLEASE REMOVE ACCOUNT. 



REMOVE THESE ACCOUNTS DUE TO INACCURATE INFORMATION. 


XXXX XXXX
Consumer complaint received 2016-12-09
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TX)

I just picked up a certified letter dated XXXX XXXX, 2016 that Ditech Financial LLC, a Greentree serving company merger, mailed on XXXX XXXX, 2016 where Ditech is planning to foreclose in violation of Dodd-Frank and XXXX. 
1. Ditech is disregarding Dodd-Frank because Texas has what is called a rule XXXX and XXXX expedited hearing and the number of payments or XXXX does not matter as long as they provide notice of intent to foreclose. 
2. Ditech falsely documented I missed XXXX/XXXX/2016 and XXXX/XXXX/2016 payments. Attached are the cancelled checks and the cancelled check for XXXX 2016 that Ditech had when it claimed XXXX and XXXX were missing. 
3. Ditech is willfully violating XXXX by refusing to process my XXXX XXXX, 2016 for XXXX while it threatens foreclosure. I do not have any missing documents, which they acknowledged to XXXX, but since those conversations are taped, Ditech is falsifying written letters. 
4. Ditech is falsely reporting the Advance balance. Beginning XXXX 2016 {$11.00} per month of the mortgage should be applied to the short. See the XXXX statement attached. When XXXX transferred the account to Ditech in XXXX, advance balance was supposed to be reduced. Yet, Ditech deceptively includes it to drive up the balance. 
5. The late fees are not valid but Ditech includes those to run up the balance. 
XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

improper use of my credit report ..Inquieres that dosent belong to me ..Please remove them XXXX XXXX XXXX XXXX  XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MO)

Equifax was negligent and did not securely hold my information. My name, Social Security number, Birthdate, Address. Phone number, and Drivers License number has been taken by unknown entities during the 2017 cyber attack. There is a chance they were also able to access my credit card numbers. I am a victim of identity theft and now at high risk of credit and identity fraud.
I believe financial compensation is a fair resolution to the crime of negligence and allowing identity theft. I recognize many Equifax users were impacted. I am at higher risk of future identity and financial fraud being an individual with a high net worth and a high credit score. I am requesting with all the others damages in the State of Missouri for the crime of negligence.
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. (AL)

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 Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : DPT EDXXXX Account NumberXXXX Account Name XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2019-05-22
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. (TN)

I went to my bank to get a loan and they told my that they couldn't approve me at that time. I have been with this bank for 20 years. I went and pulled my credit and there are some items on my credit that still are not mine. I have contacted the FTC and the police. I'm doing this on my own behalf. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am very stressed out due to the errors that I found being reported on my credit. The bureaus verified information by allowing certain inquiries to be placed on my account, yet I never gave my consent to do so. It is clear that these agencies did not take the proper precautions to make sure that the information they were reporting was 100 % accurate which in turn has taken a toll on me and my life.
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Hello, I have had a Bank of America credit card since 2017 that I used to pay for college. I have finally paid it off completely, and the company keeps charging me " {$1.00} '' interest fees even though I am already completely overpaid. 

I also am not getting an answer on the phone. I would like to get my overpaid amount back and close the account if possible. Or use a different service that does not try and charge fraudulent interest fees. 

I am trying to get out of college debt. A few dollars here and there because rich people in finance are in severe credit card debt doesn't matter to me. I know how to handle my money and make money. I am not going to cover these financial firms throwing the United States of America into the hole.
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Date open XXXX/XXXX/2020 Amount {$1300.00} Experian. 

This account is incorrect and without authorized. After investigating the other two credit company have been deleted this account. But unfortunately Experian has no action with it after I called twice to dispute it.
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. (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.

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 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. (FL)

I am writing to address an issue regarding my XXXX XXXX XXXXXXXX credit card account, specifically its absence from my TransUnion credit report. As a long-standing cardholder with an account dating back to XX/XX/year>, I have noticed that the information related to this credit card account is not reflected on my TransUnion credit report. 

Credit Card Details : Company : XXXX XXXX XXXXXXXX ; Account Number : XXXX Date Opened : XX/XX/year> ; Credit Limit : {$50000.00}
Consumer complaint received 2017-01-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One continues to report an account that I discharged in a Chapter XXXX bankruptcy XX/XX/2003 ( 13 years ago ). It is beyond the 7 year reporting allowed by the Fair Credit Reporting Act. The BK case number is XXXX XXXX XXXX District of California.
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. (MA)

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.

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 2016-05-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I applied a credit card from SAKS FIFTH AVENUE and I received the card on XXXX XXXX. I found it blocked and I made the phone call to unblock it on XXXX XXXX. I provided all the document required to verify my identification. Now it 's still under review and I can not get any estimated date. I can even not login my account online. I can also not cancel this card. It 's really stupid and the customer service just keeps saying they can not do anything while it 's under review.
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. (NY)

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.

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.