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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Addresses : XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Employer XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 

Employers : XXXX XXXX XXXX  Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-20
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: EQUIFAX, INC. (NY)

I have been disputing negative items on my report for months I have not received how these items was validated on my account and these recent reports have not fixed my problems please look into my reports and correct these issues it has been more then thirty days as well
Consumer complaint received 2022-08-24
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. (IL)

Filed a dispute with the 3 credit companies last year. they didn't remove everything. I've had problems trying to get credit because the stuff is still showing up on my report.
Consumer complaint received 2022-01-20
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. (NY)

I have been disputing negative items on my report for months I have not received how these items was validated on my account and these recent reports have not fixed my problems please look into my reports and correct these issues it has been more then thirty days as well
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Please see the enclosed XXXX statement for XX/XX/XXXX. My due date was XX/XX/XXXX and my account was paid on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX for XX/XX/XXXX. Therefore my bill was not late and please updates all credit reports with this information.
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I disputed inaccurate information on my credit report with XXXX companies ( XXXX and transunion ). XXXX got back to me within 1-2 weeks and removed the innacurate information. Transunion has not done the same and they did an inadequate investigation and I have further disputed it. I have submitted to them proof where XXXX has removed the innacurate information but transunion sent me a letter where they stated that they could not find my credit report. I have submitted to them all of my information including the file number. They are delaying and denying my claims and they are doing so in a criminal and fradulent manner. I have contacted them 2 times by phone and 2 times by fax and they refuse to resolve my complaint.
Consumer complaint received 2024-02-13
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. (MO)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 2020-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NM)

On Thursday, XX/XX/XXXX I received a message saying that I sent a person I have never heard of XXXX $ from my Paypal account balance. Right away I went to my account and logged in. It showed a transaction as a gift to a name I've never heard of out of another country. It showed that the transaction is still pending, it still says it is even while I write this. This transaction was not me so right away I changed my password and passwords to other accounts like my email, I only use my personal computer to access my paypal and no one else has access to it. After changing my passwords I submitted a case with Paypal that this transaction was unauthorized and to stop the payment, I also let them know I changed my password incase they still had access. After about 1 hour Paypal informed me that they closed the case and will not stop the payment. They did not ask me any questions, inform me what this transaction is or how it happened. I was simply told within one hour of opening a case with them that they would not help me in any way.

I don't understand why they will not stop the payment to a person that I have never sent money to before, and has an obviously fake/foreign email and name. Especially since the transaction says the person will not receive the money until 6 days from now. Paypal refuses to let me resubmit any kind of case about the issue. This is a lot of money  to me, I lost my job to the virus and I have had to sell personal belongings on XXXX just so I can get by. The transaction does not say it has anything to do with XXXX like a transaction with them would. 

This was obvious and pure unauthorized access/fraud yet they denied my request without even asking me a single question. Please I'm asking for help here, I don't know what to do ...
Consumer complaint received 2024-02-13
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)

From what I understand, FCRA 605B says wrong accounts should be taken off credit reports. Please check the accounts in the documents. They're reported wrong on my credit report. I'm upset and feeling sick about it. Can you help?
Consumer complaint received 2022-08-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XX/XX/22 I received an email about an account being opened. I did NOT do this. I attempted to call customer service. You can NOT reach a person unless you have an account number. I did not have an account number because I did NOT open an account. After attempting to reach a person on the phone for hours while I was at work, I then went to a physical branch. The woman who greeted me took lightly the situation an laughed it off. She stated Oh, we dont handle that here. Youll have to call the fraud line. I explained to her that I could not reach anyone on the customer service number. To please find a way to help me. She stated again we dont handle that here. She wrote a XXXX # down. While doing so I asked would you be able to tell me what information was used to open the account? The woman chuckles once more and stated oh your social. Definitely your social. I asked if I could call the fraud line from one of the phones in the bank. The woman allowed. Walked me back to an conference room where I dialed the XXXX number given to me. The automated voice that answered the phone again would not let me further without acct info. After pressing XXXX, # a few times it finally said please hold while I connect you. Spoke to a man. Explained the situation. He found the account after asking my name and birthdate. He stated Ive marked it as fraud and closing the acct. I asked to clarify you are closing it? He stated yes. He said I would get something in the mail confirming that it was closed. ( I received nothing but XXXX bank statements ). In XXXX I received the first bank statement. I immediately called the XXXX # again. Now that I have a statement I have an acct #. I got a representative much quicker. Spoke to a woman. I explained that an acct was opened in my name as fraud. I did not open this acct. it was supposed to be closed the next day. Its a month later. Long enough to be getting a statement. Why is the acct not closed. The woman stated that since there were no funds in it that the statement was jus to show me theres nothing in the acct. she then assured me that the acct was closed. It is now XXXX. Im receiving the XXXX acct statement. This account should have been closed in XXXX. I shouldnt have an acct statement that reads anything past XX/XX/XXXX. But I have 2 months of account statements for an account that I DID NOT OPEN. I have alerted BANK OF AMERICA about it more then once. I even took to social media to try an get answers. They have by far the worst customer service on both the phone and in person. The woman chuckled when I explained someone opened a bank account in my name. Thats a scary thing and she took it entirely too lightly to be a bank employee. I need the account closed immediately before whoever opened it realizes and does more damage.
Consumer complaint received 2022-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (FL)

Blocked my account from making online payments due to a late payment, if I call the number left on voicemail it's just an automated answering service, called the number listed on my account and it is not in service anymore. Called another number and they gave me another number to call, call it and everytime someone answers the call gets disconnected immediately. They are making it impossible for me to pay my car payment after setting up a plan with them to get it caught up, I am caught up now and now there is no way for me to make a payment.
Consumer complaint received 2015-03-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have been XXXX since XX/XX/XXXX, and purchased my home after my divorce in XX/XX/XXXX. Due to special needs and ongoing medical expenses, I knew my mortgage payment was more that I could afford, so I contacted Bank of America to see what we could do. They sent me forms by fedex, and I filled them out, but I could never get past that point and reaching the person handling the service on my loan was a series of phone tag. I filed for Chapter XXXX in XX/XX/XXXX, but this did n't change my monthly outlay of expenses. In XX/XX/XXXX, I was approved for Social Security XXXX, but this caused my private XXXX company to stop paying my benefits. My income has been reduced by more than XXXX % since XXXX XXXX. I filed a consumer complaint about my mortgage, and Bank of America wanted me to file for the hardest hit fund first. I did this, was approved and gave Bank of America the same paperwork to rework my mortgage. I was given the email address of the person handling my loan and submitted documents requested, but the only response I received was a letter they were still waiting on missing documents and they closed my request. The hardest hit fund pays my home loan for 13 months from XXXX XXXX, but I will need my loan to be modified in order to keep my home. I believe I qualify and I need Bank of America to complete the process. I am a full-time single parent with XXXX. 
I do not have a XXXX or XXXX XXXX owned loan, which is where a lot of relief is. Mine is just a 30 year fixed FHA loan.
Consumer complaint received 2017-02-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AR)

My loan was purchased by Ocwen from XXXX ; this is after my loan had been sold several times before. It was originated at my local bank and sold to XXXX XXXX XXXX XXXX who went bankrupt ; XXXX froze assets and totally made a mess of auto-debits and escrow. However with all the bedlam every time my mortgage was sold, my loan payment was never deemed late AS it was in the aftermath of the XXXX bankruptcy or any other loan servicer. The sale upended my autodebit payment and escrow balance every time. When Ocwen bought my mortgage XX/XX/XXXX ( I believe ) I was simply notified by mail and the uproar began again ; making sure everything was in place did not go well with Ocwen. After the mortgage was sold it was next to impossible to get any service or a person on the phone. This was not because Ocwen had a sophisticated phone system ; it was because the same man came on the phone every time & knew nothing. lt sounded more like an upstart company manned by one fraternity brother left to manage the concession stand than a professional loan company. My auto debit was upended multiple times causing the 30-59 day late payments on my credit report. I did not miss any payments through any fault of my own, it was the poor system Ocwen had in place. There are 4 late payments on my credit report and then a tax lien. IF my homeowners insurance and taxes were being paid by Ocwen as they should have been there would be no late tax payments OR any need for local people down on the square at the courthouse to place a lien on my property. I ONLY know anything about the tax lien because it, along with the supposed late payments, because OCWEN is harming my credit! I had a large loss House fire XX/XX/XXXX and I lost much of my paperwork ; SO I can not produce Ocwen paperwork ; I do however have the lovely tax lien during their tenure with my mortgage. I thank God for Ocwen NOT being my mortgage holder when the fire happened ; I shudder to think how they would have handled the whole thing. I want Ocwen to do the right thing and own up to their fault in my late payments AND remove the blot on my credit. They were a nightmare that just continues ; I have disputed this blot and tax lien several times through the credit bureaus to no avail. I was widowed XX/XX/XXXX and I have managed my household and paid my mortgage all this time ; I as a consumer, and a widow and a veteran deserve better for being a good homeowner and paying my mortgage. I hope something will make them do the right thing, apparently they have acted wrongly with other consumers. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-09-10
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-10-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Radius Global Solutions LLC (CA)

Vehicle was returned 2 months early and odometer was XXXX miles. XXXX charged me for excess miles based on an erroneous odometer record of XXXX miles. The XXXX  dealership where I turned the car in resubmitted the paper work, but this collection company told me that they submitted the correct odometer reading to XXXX, but I kept getting bill for the wrong amount. Every time I called the collection firm said that they are waiting for XXXX.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (CT)

I got an email from chime on Thursday XX/XX/XXXX stating that they will be closing my account with no reasons at all. Friday the XXXX of XXXX, I tried to log on to my account and they didn't allow me to due to my account being closed. In the account there was {$750.00} in my checking 's account. I have emailed member services a whole week about getting my money back and nobody has gotten back to me about the money.
Consumer complaint received 2015-05-19
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (WV)

i paid XXXX in fullDelete the XXXX credit record ( # XXXX, opened XXXX ). 

XXXX XXXX XXXX Installment XXXX CREDITOR : XXXX CREDITOR : XXXX XXXX REPORTED DELINQUENCIES : XXXX PAIDPAID COLLECTIONCOLLECTION ACCOUNTCollectionAttorneyClosedunt
Consumer complaint received 2016-03-18
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I noticed that every time I tried to access my credit score I could n't get them every time I logged in the report would come back that I do n't exist so I demand that u investigate XXXX XXXX and XXXX XXXX XXXX I never used those names thank u
Consumer complaint received 2018-03-15
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: Experian Information Solutions Inc. (NJ)

XXXX employee came to my apartment offering XXXX XXXX and never stated anything about having to do a hard credit inquiry but lo and behold I receive my updated credit report and there is now a hard inquiry from XXXX on my report. I called many different departments trying to get XXXX to remove this inquiry and after being transferred to over 5 different numbers I was told that they would not do anything to address my concern. I did not give this employee permission to do a credit check nor was I advised that such was being done and I do not think it is fair that XXXX ( who has been sued in 2017, as I researched online ) for not disclosing this information to potential customers. This has the potential to damage my credit unnecessarily and I hope that you can provide some assistance with this issue. Thanks!
Consumer complaint received 2020-09-10
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2015-06-19
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (VA)

I am in the process of going through XXXX XXXX XXXX to pay my debt that I have accrued over the past couple of years. They have set up a payment plan that will help me get out of debt in the next few years. I have been receiving calls from Synchrony Bank at my work number when they have my cell phone number as well. From what I understand it is illegal to call a person at work. They have done this repeatedly and sometimes they do n't even say anything and I can tell it is them because my office phone has caller ID. I have contacted XXXX them this and they gave me your website should Synchrony Bank continue to call my office phone. I was instructed XXXX to not take the call and give them their number and I have done so and they still continue to call.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00}