davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX ( XXXX XXXX ) erroneously reported my balance and late payment status following a loan modification that was effective XX/XX/XXXX. XXXX reported late payments for XXXX, XXXX XXXX XXXX and XX/XX/XXXX. I made all of those payments on time. 

I disputed this information with XXXX and the credit bureaus. XXXX provided a written response acknowledging the error and advised that they would update my payment status for those months to reflect as current. The update was in fact made and my credit report was updated accordingly. HOWEVER, on XX/XX/XXXX, XXXX again reported that I was late for the month of XXXX and my credit took a significant hit due to the credit bureaus marking my payment for XXXX XXXX as late. 

I attempted to dispute this erroneous information with the credit bureaus and was denied the ability to dispute online due to the prior dispute I filed in XXXX. I contacted loan care on XXXX XXXX expressing that XXXX was in violation of FCRA rules and violation of UDAPP regulations due to falsely and unfairly reporting that my XXXX XXXX payment was 30 days late on XXXX XXXX. How could my payment be 30 days late on XXXX XXXX. Additionally, I made my XXXX payment on time. The company acknowledged that I was in fact current and my next payment is not due until XXXX XXXX. Also, XXXX erroneously gave me false information indicating that they did not send information to the credit bureaus and would not send information until XX/XX/XXXX. When I spoke with XXXX I was told that XXXX had in fact reported me as late on XXXX XXXX for the month of XXXX. 

I'm filing a complaint in regards to XXXX as this is unfairly impacting my credit and my ability to secure new credit. This appears to be a common practice by XXXX based on the complaints I've seen online which requires further inquiry by the CFPB.
Consumer complaint received 2022-07-19
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights. 

Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX / LATE PAYMENTS ONLY ) 15 U.S.C. 1681 Section 602 A Section 1 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.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-01-18
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: Bread Financial Holdings, Inc. (GA)

XXXX Applied for a credit card with XXXX XXXX by ( Comenity Captital Bank XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX ) XXXX I charged XXXX XXXX received billing for {$17.00} XXXX I paid the {$17.00} with direct paycheck from my bank XXXX. Check attached. You will note on the front upper left corner the account # XXXX ( that's my new XXXX Credit Card #. ) You should note on the back of the check is information showing Comenity deposited into their Bank XXXX XXXX my check on XX/XX/XXXX. ( Due XX/XX/XXXX ) Note on the back showing their deposit of my XXXX XXXX XXXXit was deposited this in XXXX # XXXX. ( thats my XXXXXXXX XXXX XXXX XXXX  ) COMENITY DEPOSITED MY PAYMENT IN WRONG ACCOUNT. ( That is my XXXXXXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX Received a Billing Notice from XXXX for {$36.00} ( XXXX ) for LATE PAYMENT FEES ) I have called and talk estimate 10 people to try and clear this. 
XX/XX/XXXX Customer Care said they could resolve the problem. The assistant said to clear this I would have to pay on line to her {$13.00} and she would waive all fees and charges from from my XXXX XXXX and apply the amount to my XXXX XXXX, because the credit of XXXX had been credited to my XXXX 's card. I did that. 
( the letter where Customer Care cleared the problem is attached. ) XX/XX/XXXX -- XXXX I have called many times and written many letters. 
XX/XX/XXXX -- billing was for {$89.00} on account XXXX continues to grow as all amounts were paid and cleared in XX/XX/XXXX I'm attaching a screen shot of where I tried to send them info on their site but all I ever get when I send is there was a technical glitch and was not received.
Consumer complaint received 2022-08-08
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. (VA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-04-08
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. (GA)

I submitted a dispute to Experian because the information was inaccurate. I highlighted which items had discrepancies as compared with my XXXX  report and I requested that the information be removed. They have not removed the inaccurate information. Thank you.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2021-10-06
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (GA)

I AM REQUESTING ALL DOCUMENTATION PERTAINING TO THE FOLLOWING COMMERICAL PROPERTIES. THIS INCLUDES COPIES OF DEEDS, CORRESPONDENCE WITH AGENCY OWNER, ANY EVIDENCE REGARDING BLDG PURCHASE SUBMITTED BY XXXX XXXX, AGENCIES NAMES XXXX XXXX XXXX XXXX XXXX XXXX ATTACHMENT AND BONDING XXXX XXXX XXXX XXXX XXXX XXXX AT XXXX, XXXX XXXX, XXXX GA XXXX XXXX XXXX AT XXXX XXXX XXXX, XXXX GA XXXX
Consumer complaint received 2020-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NATIONWIDE ACCEPTANCE LLC (IL)

On XX/XX/20 I received a letter stating that Nationwide was gon na debit my bank account {$450.00} on XX/XX/20 I immediately contacted them spoke to a rep and instructed them that this payment was not authorized and should not be debited the rep assured me it wouldn't be processed On XX/XX/20 the payment was processed and taken from my acct I phoned them and they told me to contact my bank to reverse charges I spoke with my bank and filed the dispute and signed the affidavit after waiting several weeks I received a letter from my bank telling me there investigation was closed and they found no issues and if I wanted I could open another claim so I did I need something done to make this right The company the dispute with is Nationwide CAC LLC XXXX XXXX XXXX XXXX # XXXX XXXX Il XXXX XXXX Thank you XXXX XXXX XXXX
Consumer complaint received 2021-04-08
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. (CA)

I am very concerned because my credit reports have a discrepancy with this account. I am a very concerned consumer and do not know what is correct. If you look at the letters sent to the credit bureaus, I have highlighted all these discrepancies. 

I have been denied getting my first home because of this. I have asked them to remove this from my credit reports and they have only sent me a generic response and have not remove this from my credit report.
Consumer complaint received 2022-10-06
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXXXXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX  XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXXT 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.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

My condo is in a flood zone. My condo board purchases flood insurance. I sent a copy of the policy to my mortgage company, Mr. Cooper, and they acknowledged receiving it. In spite of this they say I do not have insurance and charged me {$1800.00} for flood insurance. This is the third year in a row that they have done this and the only way to get it fixed is to file complaints. 

I called them on XX/XX/XXXX and they give conflicting information. The " mortgage dept '' says I was charged while the " flood insurance dept '' says they have received a copy of my flood insurance and I was given a refund. There is no refund indicated on the paper or on-line statement.
Consumer complaint received 2020-05-26
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. (TN)

According to my credit report, my account with XXXX XXXX shows no activity in the second half of XXXX and the suddenly in XX/XX/XXXX it shows a 30 day Delq mark. It also reflects my payment status as " Current '' in XXXX and XX/XX/XXXX. 

This information in inaccurate. I disputed this with XXXX XXXX directly and they confirmed that my account did not reflect a balance or payment due between XX/XX/XXXX and XX/XX/XXXX. They also sent me a itemized transaction history of my account that reflects this. 

I disputed the information on my report directly with both Transunion and XXXX  originally as my credit limit was not accurate and also disputed the inaccurate payment history. I provided a response from both agencies that the information was verified as accurately reporting. 

I contacted XXXX XXXX back and was advised they never received any disputes from Transunion or XXXX  and again advised me.of my payment history. 

These two delq marks are causing me difficulty in obtaining preapproval status for a mortgage. I have exhausted all attempts to resolve this issue directly. Attached to my complaint is the documentation sent to me by XXXX XXXX.
Consumer complaint received 2021-04-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (CA)

I discovered on XX/XX/23 that my ~ $ 50K in funds on Binance XXXX is locked for no reason and with no warning, as a result I can not access the money that I desperately needed. I reach out to the company many many times over the past month to no avail, ONLY received one templated response!!! And now almost two months in, I still haven't received any resolutions on this issue, and the company still haven't responded to my latest inquiry for resolve this issue. They would only respond with template answers every time I file a complaint.
Consumer complaint received 2022-01-07
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (TX)

In XXXX of 2019 I went to my local Compass Bank branch to open a Health Savings Account ( HSA account ). The account has been used solely for medical expenses and deposits into the account for the past 3+ years have been direct deposited, tax free into that account. Compass Bank was recently acquired by PNC Bank and I made the decision to close all of my accounts and change banks. Due to the nature of HSA accounts these funds can not be withdrawn without tax penalties. They need to be rolled over into the new HSA much like rolling over a 401 ( k ) account to avoid paying these penalties. I requested the account to be transferred by Compass prior to their transition to PNC. I was informed by the banker I spoke with that the account was inadvertently opened as a regular checking account and not as a HSA account. His suggestion was to wait until PNC took over and to address the situation with them. Since then I have worked relentlessly with PNC to have the account converted to an HSA account and to roll the money over to the new HSA with the new bank. PNC has been very unresponsive and difficult to work with to resolve this issue. After multiple phone calls and follow up they finally contacted me and acknowledged the mistake but told me that there was nothing they could do and for me to take it up with the IRS. The tax implications could result in thousands of dollars of tax liability for me personally for a mistake that was made when the account was originally opened. I have requested a copy of the recorded phone call transcripts and a letter from PNC that acknowledges the error for my records in case I need them in the future. I was told they could only provide them if they were subpoenaed and required to deliver them. I realize that PNC inherited a problem that was created by Compass Bank but that does not dissolve them for the responsibility to correct the problem. I have all the statements from the day the account opened and can verify the deposits into the account were all tax free, direct deposits from my employer and that all of the withdrawals from the account were for medical expenses. I was always under the impression that the account was an HSA account until the day I requested the roll over. I look forward to the CFPB 's response and cooperation. 

The records of the people I have spoken with at both Compass Bank and PNC Bank can be provided upon request.
Consumer complaint received 2024-02-15
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. (NJ)

This correspondence is to notify TRANSUNION that there are fraudulent account ( s ) resulting from Identity Theft being furnished on my consumer report that must be removed. 15 U.S.C. 1681s2 ( A ) ( 1 ) Astates " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate ''. 15 U.S.C. 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c ofthis title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title ''. TRANSUNION is not maintaining reasonable procedures. Please see attachment for further details.
Consumer complaint received 2016-10-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Mandarich Law Group, LLP (WA)

Client and XXXX XXXX XXXX satisfied debt per agreement and Debt Collection Company was supposed to file Satisfaction of Lien with court but never did. They told me ( client 's attorney ) over the phone that they did send the sanctification of lien into the court but that was not true. They later told me over the phone was not true.
Consumer complaint received 2024-02-15
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. (PA)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect DELETE ALL OTHER NAMES AND ADDRESSES SO I WON'T BE A VICTIM OF IDENTITY THIEF MY ONLY NAME AND CORRECT ADDRESS IS BELOW :
Consumer complaint received 2019-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NV)

I bank with chase about 2 months ago my account was compromise the bank failed To contact Me they let somebody go in the bank and put a {$900.00} check in never detected it was fraud as result of that they closed down my college Account due to them not doing there job to protect my account and they failed to give me back my college account when costing down the old account so now have to pay {$12.00} maintenance Fees which I feel its not fear since they didnt protect my account. I think I should have got another college account because thats what I had before my account was compromised its not fear to have someone have to pay {$12.00} a month when I was paying {$6.00} a month I feel that I was done wrong they never protect my account they let someone go in the branch and put a {$900.00} check in. Never ever said nothing only way known was checking the account
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my right, And lists of unauthorized 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.