davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
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. (PA)

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken the appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach- Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 

On XX/XX/2024 I notified XXXX XXXX XXXX that I am opting out of any and all authorizations, written, non-written verbal or non-verbal for the sharing of my nonpublic personal information with non-affiliated 3rd parties, including consumer reporting agencies for any purpose other than those necessary to provide me with financial products of services.

I provided this opt out notice in accordance with the legal requirements outlined in 15 USC 6802, and I have retained documentation of my communication with XXXX XXXX XXXX. 

Despite my efforts to request an opt out and me asserting my rights under GLBA, I have reason to believe that XXXX XXXX XXXX has continued to furnish my non public personal information to non-affiliated XXXX parties and consumer reporting agencies without my consent. 

The unaurthoirized use of my personal information constitutes a violation of my privacy rights and breach of federal law. I am concerned about the potential consequences of this unathorized sharing, including the potential for identity theft, fraud, and other financial harm. 

I would appreciate it if the CFPB can investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX complies with all federal regulations and laws, including the GLBA to protect privacy and security of consumers like myself. 

I would also appreciate updates on the progress of this investigation and actions taken to address the violations committed by XXXX XXXX XXXX. 

Please feel free to contact me at XXXX or email me at XXXX if you require any further information or documents to proceed with the investigation.
Consumer complaint received 2020-07-03
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ND)

Well on XX/XX/2020 i had sent the Bankofamerica XXXX $ Now On XX/XX/2020 I Had went To the Atm And check My Blance now then It Said My Blance was XXXX Now On XX/XX/2020 I Checked My Blance i See that Its XXXX. $ now some one Has Stolen My XXXX $ Now Could you find Out Who And Why you Have Stolen Money Out Of My Saveings Account I Need To Save All That I Can Save And Just For some unknow person that Knows how to Steal from Induviduals Like Myself i Dont think Its Fair thank you
Consumer complaint received 2024-02-07
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. (CA)

I have reviewed my consumer reports and noticed that I had four late payments on an account that I was never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks in advance! Please see screenshot attached :
Consumer complaint received 2024-02-07
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

this is unresolved, credit card opened last XXXX and used in 3 months in excess of XXXX in order to get {$200.00} bonus. You dropped the case but it is STILL UNRESOLVED. Bank of America, they refuse to respond. This has been going on since XX/XX/2020.
Consumer complaint received 2018-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

This has happened MULTIPLE times. 

I entered the income driven repayment plan, only to find months later that I 'm in danger of defaulting. The program stopped without any warning. To re-enroll, I 'm forced to take a forbearance and have all of the interest capitalized. I 've also had many issues where if I 'm calling about my federal loans, they only have knowledge of my private loans and vice versa. Just yesterday XX/XX/XXXX I received an email from them saying that my payments were going up from {$110.00} to {$300.00} When I called to verify, they had no idea what I was talking about. 

On XX/XX/XXXX I was given a forbearance on my private loans after talking to them. I asked if I had any more outstanding loans that were in jeopardy at all, whether it be federal or private and they said no. But on XX/XX/XXXX, I was given a delinquency notice about my federal loans.On XX/XX/XXXX, I was approved again, but on XX/XX/XXXX, I was sent another delinquency letter. This has gone on for years. Like I said, when I call them, they do n't ever speak on all of my loans. I feel like I 'm caught in a trap that I ca n't escape.
Consumer complaint received 2018-01-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GRANDE HOMES INC (CA)

I applied for a refinance loan, to buy out a partner. The mortgage lender has been insisting I don't live on the property due to the fact that I have a XXXX. XXXX. They inquired about my divorce of 5 yrs ago and a paternity case where I was awarded legal and physical custody of my son. In their findings they concluded I don't live in the home. They decided not to raise the APR due to their findings instead they told me they would reduce the loan amount by {$50000.00} because my credit rating dropped when they learned I'm a XXXX XXXX and I don't make enough money XXXX XXXX. Yet, today in a phone conversation with XXXX at GHI she admitted I made enough money to pay two mortgages which I have been paying on time for the last 5 years, the other mortgage is part of a divorce settlement where In lieu of child support and Alimony I pay the mortgage. 
I applied for this loan prior to the XXXX holiday, I have been dragged along for two months on this loan process. I feel their practices are unethical and illegal. My personal life should be a private matter that has no effect on my income and my potential to make my mortgage payments as usual. I have a full time career of 20+ years making a six figure income consistently for the past 16 years. This is not the first I have been mistreated by lenders or escrow officers. These XXXX feel they have the right to vindicate another XXXX regardless of the courts decision and facts surrounding the courts decision. This is gender discrimination, but no court or government entity is willing to enforce the law equally and fairly when it comes to XXXX  breaking the law. They're licenses should be revoked.
Consumer complaint received 2021-05-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (NY)

i wired money from XXXX to XXXX  via citi but citibank froze my funds and didnt notify anyone. They asked for more information without explaining me my rights to privacy or what they will do with this information. I felt hopeless and inadequate. I then called Citibank ( it took 2.5 hours to get a representative on the line ) I called their wire department at XXXX i waited about 1.5 hours and then the XXXX  representative said I have to speak with an American representative for this information. She transferred me another hour wait. and then I was able to speak with XXXX Employee ID XXXX who only told me she needs to review the XXXX. 

She then came back on the line and then told me Citibank returned the money to XXXX  based on their request. THis is not correct. But anyways I still dont see my money in was not delivered not given back and my civil rights have been violated in every way because of their corrupted software. XXXX had the information, but Citibank erred many times. Their practices are against the Law. I can not think this is legal the way they treated me If it is then Its evident that I and all XXXX 's have to ride on the back of the bus as in 1950 segregation.
Consumer complaint received 2024-02-07
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. (IL)

Again this is my 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-11-27
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: EQUIFAX, INC. (AR)

I have already attach the files regarding identity theft and data breach, My personal information has been compromised.I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b )
Consumer complaint received 2024-02-07
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)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 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 2024-02-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Delete the accounts now I never owed these debts, and reporting them without my consent is unacceptable. I provided my new address, yet the debtors quoted my old one when contacted. Your non-compliance is unacceptable, and I demand an immediate resolution. Comply promptly, or I'll take further action.
Consumer complaint received 2024-02-07
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-27
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 — Problem with personal statement of dispute
Company: Mr. Cooper Group Inc. (FL)

In XX/XX/XXXX my loan was sold from XXXX XXXX ( XXXX ) to NationStar/Mr. Cooper. Mr. Cooper sent me a letter letting me know they were my new lenders & to please call them in order to start making payments. I called them to do so & " they '' said they couldn't accept payments because the previous company, XXXX, was under a Class Action Suit & because of that " they '' couldn't accept my payments. My attorney had asked me to ask them since they should've still be able to accept payments. I offered to pay them ALL of the payments that XXXX refused to accept since they were being sued. I told them I had ALL of my payments, yet THEY ( Mr. Cooper ) still refused to accept payments until the case was resolved.  Because of that they decided to mark me 180 days from XX/XX/XXXX - XX/XX/XXXX. I sold my house in XX/XX/XXXX & they got all their payments so I am still confused as to how they can mark me as such. I have asked them to change this & they still have not. Is there anything you all can do? Pls help since none of this was my fault & it was them ( Mr. Cooper ) who ultimately refused to take my payments. Thank you.
Consumer complaint received 2020-08-27
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. (PA)

There has been many fraudulent inquiries listed in my credit report. XXXX has had access to my information and has been trying to obtain credit with my information. I hold not one account with any of theses inquiries but somehow there on my credit report and also there's more inquiries on one report than the next.
Consumer complaint received 2018-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc. (ND)

On XX/XX/XXXX, I sent Associates Credit Services a letter specifically saying " This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. '' They received the letter and sent me an invalid response letter dated XX/XX/XXXX. Associated Credit Services is reporting this account on XXXX XXXX and XXXX. This account does not belong to me, they have been unable to provide me factual evidence proving this account belongs to me. The only document they provided was a balance statement dated XX/XX/XXXXwith an address not belonging to me, dates and amounts. I have attached ( 1 ) the letter I sent ACS on XX/XX/XXXX, ( 2 ) a copy of the certified mail receipt, ( 3 ) a copy of my receipt showing the tracking number, ( 4 ) both letters from ACS dated XX/XX/XXXX and XX/XX/XXXX ( which states " Enclosed please find verification of the debt as per your request ) which both arrived in the same envelope. As of XX/XX/XXXX, they have failed to provide me with VALIDATION.
Consumer complaint received 2024-02-07
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. (CO)

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, section 602a underscores the necessity for consumer reporting agencies to carry out their significant duties with fairness, impartiality, and a regard for the consumer 's entitlement to privacy. XXXX and XXXX, recognized as consumer reporting agencies, interface directly with consumers like me. I, as the consumer, possess the fundamental right to safeguard my private information from unwarranted sharing, as substantiated by 15 USC 6801, which underscores Congress 's stance that each financial institution bears an ongoing obligation to uphold the privacy of its clientele and safeguard the confidentiality of their nonpublic personal data. 
Entities furnishing information to credit agencies are categorized as financial institutions under the aforementioned statute. Pertinently, 15 USC 1681, section 604a, subsection 2 outlines that consumer reporting agencies may solely furnish consumer reports in adherence to the explicit written directives of the concerned consumer. Both the financial institution, as the provider of information to credit agencies, and the consumer reporting agencies such as XXXX and XXXX, and TransUnion, do not possess my authorization to furnish this information, nor do they have my explicit written consent. Therefore, any consent previously extended to XXXX, XXXX, TransUnion, or other entities acting as furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Moreover, 15 USC 6802 ( b ) ( c ) dictates that a financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with a clear explanation of how they can exercise their right to non-disclosure. Regrettably, the financial institution in question failed to inform me of my right to exercise this option. Additionally, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include certain adverse items of information in a consumer report without proper authorization, a provision this account infringes upon. 
Under XXXX5 U.S. Code 1681s2 ( A ) ( 1 ), entities are prohibited from furnishing inaccurate information to consumer reporting agencies, yet XXXX and XXXX continue to do so. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to the purposes specified under section 1681b, a requirement which XXXX and XXXX seem to neglect. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Consumer complaint received 2024-03-15
Product: Credit 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 (NJ)

I filed a dispute for a purchase I made on my card. I tried to return the defective item with my credit card. I was advised that the item was not on the card. Since I did this in person, the only proof available of this would be store video. I disputed a PARTIAL amount of the total-NOT the complete amount. But once again, the XXXX at Capital One processed the dispute as the full amount of the transaction. Capital One sent me the usual denial and requested some XXXX that would NOT apply to my DENIED return. A store does NOT provide a written document of a denied return. Going forward, I will need to RECORD all returns since Capital One can't process a dispute correctly. I understand from previous experience with the CFPB and Capital One, the consumer is NEVER " victorious '' in the dispute intervention with the CFPB. You do not investigate anything and take the merchants ' statement as truth. But here, it is clear that Capital One did NOT process the return as I disputed. I disputed a PARTIAL amount, NOT the FULL. The requested information from Capital One would NOT apply to a return that was denied. I provided my statement which was the ONLY option I could and that was available for this dispute. I was told via RECORDED conversation that all I needed was to write this statement. 

There is NO way for me to contact Capital One except via phone. Their accounts do not have a portal where customers can contact them and have documentation of the issue. That is a scam. It is their word against a consumer. That is a XXXX  action
Consumer complaint received 2024-02-07
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX, XXXX, M ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH 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  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.