davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (AZ)

Last year, XXXX year ago this past XXXX I received a call from what appeared as the credit card company XXXX XXXX. I generally dont answer calls unless they come up as a contact which the phone in question did. It was early in the morning and a woman who identified herself as a XXXX  XXXX representative asked me if I was trying to charge {$1000.00} on my account for a game system and I said no because I was at my credit limit at {$300.00} already plus I didnt play games so I wouldnt buy a {$1000.00} game system even if I could. The woman advised me that my account was in jeapardy and that she was putting the supervisor of XXXX XXXX on the phone immediately. A man by the name of XXXX XXXX got on the phone and urgently told me that I was needed to help catch whoever was trying to fraudulently use my credit card so I agreed. XXXX XXXX XXXX had me download a XXXX XXXX and then I was told to go get a {$300.00} XXXX gift card, which I was going to be reimbursed, and to tell him when I got it so he/they could instruct me on what to do with it so I did. After I got the card and gave him the information suddenly he vanished and then I checked my account and saw that another {$300.00} XXXX gift card was purchased from my account. I got alarmed and called XXXX XXXXXXXX to find out what was happening and I was told that they never called me blah blah so I told them about what happened and they were hostile to me, called me a liar and a thief, hung up on me and when I called again they treated me bad again, refused to give me the identity theft information that I paid for, demanded that I pay for the fraudulent charges and closed my account. Then they reported that I was late on my payments to the credit bureaus and sold my account to a collection agency. I was never late in my payments but I did refuse to pay for the fraudulent charges. Now today at XXXX MST a man who didnt identify himself other than he represented a Id theft company called me about XXXX XXXXXXXX false charges and tried the same as the last scammer.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my second complaint and whom ever responded was very impertinent. Again i need a copy of the 1099c which means the debt was cancelled according to IRS.

The company is still send inaccurate information to the credit bureaus and this is a violation under FCRA.

FYI : The statute of limitations on debt in North Carolina is XXXX years, according to N.C.G.S. 1-52 ( 1 ).
Consumer complaint received 2020-07-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (CA)

A loan was taken out by myself and paid off in full in XX/XX/2014. Upon checking my credit report, it appears Lending Club incorrectly reported my account as " delinquent over 60 days '' to XXXX  and XXXX, and it has been on my report for the past 6 years. 

LendingClub.com has no direct phone number for support and an email request submitted through their website did not return a response. A dispute was initiated with XXXX over 2 weeks ago on XX/XX/XXXX however no update has been made to the credit report.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Reviewed my credit profile and saw an authorized account XXXX XXXX. I find that strange because I have never lived there. The creditor has ignored my request of this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.
Consumer complaint received 2020-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WA)

XXXX XXXX Purchased PPH Mortgage and have developed a specific website that does not allow payments via the web so they can keep and earn the float and force people to pay by check via mail. 
https : //phhloansphereservicingdigital.bkiconnect.com/phhm/ # /payment https : XXXX The Link simply circles back to the log in page. I have tried the 4 top browsers and they have not written it in XXXX so it would / could work with any / all 4. They are driving people to be late on their mortgage payments through faulty IT infrastructure but encourage people to sign up and pay via the internet.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
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)

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 XXXX : XXXX Account 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 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. (GA)

There is a fraudulent account on my consumer report that I am highly displeased with. This account has tremendously decreased my credit score. I was trying to get a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to get a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 5 16815-2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to get my family a house.
Consumer complaint received 2020-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NC)

I have loan # XXXX with Fay Servicing. They sent me a letter in the mail stating they will force-place flood insurance if I do not get {$140000.00} in coverage based on the value of the property. My loan amount is only {$56000.00} based on a recent appraisal of {$75000.00}. The Flood Disaster Protection Act does not allow the lender to mandate {$140000.00} in flood coverage when the loan amount is only {$56000.00}. Please help them understand the rules.
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. (LA)

I XXXX XXXX a consumer has asked the 3 major credit reporting agencies to update and correct the inaccurate, incomplete, and incorrect information showing on my credit reports. I have sent them letters on several dates. Transunion, XXXX, and XXXX have completely disobeyed FCRA. they have not removed any late payments or Identity theft from my credit reports. 
Please ensure that all information is corrected according to the Fair Credit Reporting Act 's. 
So, I'm requesting that they delete all the following ACCOUNTS AND LATE PAYMENTS FROM MY CREDIT REPORT IMMEDIATELY.
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. (TX)

Please see the attached XXXX XXXX breach claim and FTC report and remove the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BEING A VICTIM OF AN IDENTITY THEFT, THE ACCOUNT WHICH WAS OPENED UNDER MY NAME WAS OPENED MAINTAINED WITHOUT MY CONSENT. THE BANK OF AMERICA OPENED UNDER MY NAME IS FRAUDULENT, THE CHARGES ARE FRAUDULENT. I DIDN'T AUTHORIZE ANK OF AMERICA TO PULL MY CARD AND ISSUE A CARD TO A THIEF, THIS ACCOUNT IS NOT MINE, THIS ACCOUNT WAS NEVER MINE, THE CHARGES ARE NOT MINE. I HAVE CALLED BANK OF AMEICA AS SOON AS I FOUND AOUT THIS CARD AND I ASKE D THEM TO CLOSE IT. 

AGAIN, THIS ACCOUNT IS NOT MINE, THE CHARGES ARE NOT MINE.
Consumer complaint received 2024-02-06
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. (GA)

I've obtained a copy of my credit report, and after careful review, I have identified inaccuracies. I am out of any and all authorizations I have given written, unwritten, verbal and non verbal consent. I do not have a contract with YOU, your agents, or your company. YOU continuously report negative items and false and misleading information while attempting to collect alleged debt. YOU have an obligation to protect me as a Consumer. Instead, I am fighting identity theft, defamation, causing harm to me and my financial well being. YOU are also committing Mail Fraud. I have one name, one address, one phone number, and one email. 
I am requesting the following : Delegation of Authority What agency/agencies gave you my information without my consent?

How was my information provided to you?

Are you the trustee?
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2020-07-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I opened a Capital One 360 savings account in XXXX to hold funds for a house closing on XX/XX/XXXX. Immediately after opening, I linked my XXXX   XXXX  account and moved $ XXXX into Capital One via ACH. On XX/XX/XXXX, I received wiring instruction from my lender 's attorney on where to wire the funds for closing ( {$220000.00} ). The account to which I was supposed to wire is an IOLTA account serving escrow from the attorney to the lender, XXXX XXXX XXXX. I was told that Capital One would not honor it because it did not meet whatever their standard was for a wire despite that they say I can wire up to $ XXXX to an external entity for these needs. At a loss because I needed those funds the next day, I asked them to wire the funds back to the XXXX account with which I initially opened the account. They said no because XXXX uses a different prefix on account numbers for wires than they do for ACH. So since the account numbers weren't exact matches, they would not do it. I had another account with XXXX XXXX XXXX   linked to the account. I asked them to wire to that one. They said that since it had not been linked long enough, they would not do it. I asked for a cashier 's check. They said I would need to open a 360 checking account. But after I opened one, they could not do anything with it. I think this may have just been an effort by the customer service agent to try to body his numbers for accounts he opened. After fruitlessly opening the checking account, they told me I could go to a branch and get a cashier 's check. I'm in XXXX. The closest open branch is in New York. It would be physically impossible to make it before the branch closed. I understand that Capital One needs to have security protocols in place but it is unreasonable, after I established that I was who I said I was, that they refused to give me any avenue to get my funds. Now my closing is in jeopardy and I am going to have thousands of dollars of losses ( movers, temporary storage, etc ) because they refused to furnish me with my money.
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. (FL)

Someone opened a credit card with XXXX XXXX XXXX XXXX with a {$20000.00} limit. They used my name, birthdate, and social security number. I contacted XXXX XX/XX/XXXX regarding the fraud, and they have a fraudulent drivers license someone used. The account was opened XX/XX/XXXX. They are in the process of shutting down the account. I made a dispute to the credit bureaus and froze my credit reports. In XX/XX/XXXX, someone also opened a XXXX credit card using my information. I talked to XXXX and they closed the account. Someone added an address and phone number to my XXXX credit report, and I am disputing that. I only learned of this activity through XXXX XXXX. They emailed to inform me of the new cards.
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2022-08-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (TX)

Our mortgage loan was transferred from XXXX XXXX XXXX to Gregory Funding in XXXX of XXXX. We had a forbearance in place with XXXX due to loss of income from a XXXX diagnosis. Gregory Funding has been awful. They are not recognizing the forbearance that was in place. They continue to charge us late fees every month. We have tried to refinance to stop using them and also to lower our interest rate which is 8.5 %. Through a Broker we are trying to refinancing with and XXXX they have both told me to contact you since something is not right with this Gregory Funding. The broker we are trying to use has had to try and get information from Gregory Funding because they show no payment history on our credit report and state to the new broker we are trying to use that we have been late for 13 months-on all payments, when we have not. Gregory Funding is just are not recognizing the forbearance. We are afraid of losing our house. I have caught us up on payments except for the 3 months of forbearance. The new servicer, Gregory Funding will not recognize the forbearance, so that we can move forward with re-financing our home. We can not afford our monthly payments so high and we are fearful of our home going into foreclosure. We have a lot of equity and our credit is fair, so we should be able to refinance if Gregory Funding would get their paperwork straight and acknowledge the forbearance. Gregory Funding has continued to tell us to reapply for a modification, but every time we do, they say the application is not complete and the process starts over every 30 days when all the paperwork is not " submitted within 30 days. '' The customer service department has even said on the phone the application is correct, their department which handles the paperwork says it is not. We are so frustrated. It is just not right and have no recourse. 

When we were with XXXX they gave me a " verbal '' loan modification where the forbearance would be put on the end of loan and interest would be reduced, etc. Sadly, I did not get this in writing since the loan was transferred during this same time. 

We need help and I have no where to turn. Hoping you can help us somehow?
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (CA)

After reviewing my XXXX & XXXX  Credit report I have discovered a couple of Inquiries that I do not recognize nor did I authorize. Please remove the following inquiries : COMENITYCB/XXXX  ( Reporting on XXXX  ) Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX And XXXX  XXXX XXXX XXXX Reporting on XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Thank you, XXXX XXXX
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
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. (IL)

On XX/XX/year> I sent an investigation request letter to all XXXX Credit Bureaus : XXXX, XXXX, and Transunion to check if the account ending in # XXXX is listed and being reported 100 % correctly on my report. 

The Credit Bureaus stated the account XXXX # XXXX was properly investigated and updated but how is that possible if the date opened is incorrect as well as the date last reported, the date last active and also the date of the last payment. 

According to the FCRA by law I have the rights to challenge anything that isnt correct on my credit profile. 

The law states a consumer reporting agency can not furnish an account without my written instructions. 

I havent given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2024-02-06
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. (OH)

I recently check my XXXX XXXX and notice accounts that I have never applied for. These accounts were : 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 2020-10-15
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NY)

Hello, On XX/XX/XXXX I purchased a fridge from Lowes. I opened a credit card on that same day and paid {$700.00} dollars on the credit card at the Lowes store in XXXX, New York. I was paying down the fright monthly until I decided to cancel the purchase of the fridge. The total amount I paid towards fridge was {$1500.00}. I put in a request to have the money that I paid down returned to me but Lowes only sent me a check of {$770.00}. That is not the full amount of what I am owed. I have called Lowes customer service repeatedly and have not gotten a response. I also called Synchrony Banks customer service. I went into the store and spoke with to the Operations Manager for Lowes in XXXX, New York. Her name is XXXX XXXX. XXXX promised me that the situation would be resolved in week. I attached the chain of emails showing we were in contact and she stopped responding to me.