davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (GA)

Unauthorized injuries made on my credit report : transunion The following accounts reviewed my credit without my knowledge. 
XXXX XX/XX/year>, Regional acceptance XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (NY)

Citi Bank has claimed that my account was verified through XXXX ; however, this raises significant concerns regarding their compliance with the Gramm-Leach-Bliley Act ( GLBA ) and related consumer protection laws. Under the GLBA, financial institutions are required to protect consumer information, ensure its accuracy, and handle it responsibly. By relying on a third-party aggregator like XXXX without directly validating the account details or providing proper documentation, Citi Bank may have violated these obligations. 

Key concerns include : Failure to Protect Financial Information : If Citi Bank outsourced verification to XXXX without securing my explicit consent, they may have improperly disclosed sensitive financial data, violating the GLBAs Privacy Rule.

Failure to Ensure Accuracy : The verification process should involve Citi Bank confirming the legitimacy of the account directly, not relying solely on third-party data, which may be incomplete or incorrect. 
Lack of Transparency : Citi Bank has not provided clear documentation showing how the account was verified, nor have they demonstrated that XXXX performed a legally compliant investigation. 
I demand that Citi Bank provide : Proof of my explicit consent to share my personal financial information with XXXX. 
Detailed documentation of the verification process, including how XXXX validated the account. 
Immediate removal of any inaccurate or unverifiable information from all credit bureaus.
Consumer complaint received 2022-06-02
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: Alliance Collection Agencies, Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS. HOSPITAL BILLS ARE BEING REPORTED WHICH IS VIOLATION OF THE U.S. CONSUMERS REPORTING AGREEMENT.
Consumer complaint received 2022-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

New Rez : " we are unable to reinstate our tradeline on your credit report due to the discharged XXXX  XXXX Bankruptcy. Newrezs action was entirely done in compliance with federal law and was not in any way a retaliation for your complaint '' - NEW REZ ( Shellpoint Mortgage ) STILL has NOT provided documentation or clarification as to which federal law they are citing. A XXXX  XXXX that was filed XXXXyears ago ( and XXXX loan servicers prior )? Please provide documentation and clarification as to which federal law you are referencing that you are suddenly in compliance with. And if so, this means you are admitting to being out of compliance with federal law for the XXXX years that you incorrectly reported my loan to the CRAs. You are fighting a losing battle. 

New Rez : " You have requested Newrez to provide documentation that no errors have been caused in reporting your loan to the consumer reporting agencies ( CRAs ) from XX/XX/XXXX through XX/XX/XXXX. Prior to the removal of Newrezs tradeline, we have confirmed the loan was reported as current each month. '' New Rez ( SHELLPOINT ) HAS NOT provided ANY documentation proving they reported my mortgage to the CRA 's correctly or error-free ( before abruptly removing it from my credit reporting tradeline without any warning or communication causing my credit score TO UNLAWFULLY DROP XXXX POINTS UNEXPECTEDLY ). A haphazard payment accounting that they retrieved from the previous servicer ( Ditech Financial ) does not show the accounting that was SENT to the CRAs by NEW REZ! I have copies of weekly credit reports from all 3 CRAs proving that NEW REZ made errors reporting my loan to the CRAs! WHERE IS THE DOCUMENTATION, NEW REZ, confirming the loan was reported as current each month to the CRAs? My copies of my credit reports will show you are lying!
Consumer complaint received 2022-06-01
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. (PA)

I submitted a letter to the 3 Credit Bureaus XX/XX/ 2022 to update these pieces of suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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.
Consumer complaint received 2024-09-13
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: EQUIFAX, INC. (NY)

I am writing this letter as my third attempt to dispute and rectify the inaccurate negative items listed on my credit report with XXXX and XXXX. Despite my previous disputes, these errors remain unresolved, and it is unacceptable that you have failed to act accordingly.
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

My wife and I refinanced our home to obtain some of the equity in doing so some of our debts were paid off including BOA, the problem arose when the mortgage company made the check out for more than the balance owed. BOA received the check on XXXX. I called on XXXX and talked to a lady by the asked for a refund of the {$83.00} and also closed the account. I was told it would be mailed and I would receive it within 10 days. After calling five or more times as of today there is still no refund. On the XX/XX/XXXX call they were given a routing # and bank account # to deposit the funds, I was told maximum 10 business days. Still nothing. Today is XX/XX/XXXX. It's easy to see that they keep lying to me or just don't care.
Consumer complaint received 2022-06-02
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)

I was in prison from XXXX until XXXX. During that period someone used my personal information to open many accounts. All but one account ( XXXX XXXX XXXX ) has been removed from my report. The supporting documents clearly show that I was in prison. A XXXX search would also verify that I was in prison. I have disputed this item no less than 6 times and have shown XXXX that XXXX XXXX XXXX ( XXXX ) is acting in bad faith. XXXX has even tried to extort me, stating that if I gave them {$3000.00} they would take the entry off my credit report. I shared this information with XXXX and Experian. Both reporting agencies say there is nothing that they can do, that XXXX is basically in charge here and they won't take it off unless XXXX approves. A law is being broken here. Neither XXXX or the reporting agencies will provide me with the proof that I personally rented this apartment. They are relying on information used by an identity thief who had all of my ID. I would like the XXXX entry removed from my report and would specifically ask that both reporting agencies be reminded that they have a responsibility to both consumers as well as those that pay them.
Consumer complaint received 2022-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Starting from XX/XX/2022, I have been receiving harassing phone calls from XXXX XXXX XXXX, a " debt collector '' for a fraudulent collection that was placed on my name. For the past 23 years, I have lived with my parents and the address this company is trying to claim I owe a debt to, to is the same property where I grew up and my parents still have the title to this day. 

I have been in contact with the girl " representing '' my claim thru XXXX XXXX XXXX, and have not given any personal information. She is the 3rd " rep '' from them that this has been passed along too and I'm sick of dealing with this already. 

I have contacted Transunion, XXXX XXXX XXXX about removing the fraud and have been unsuccessful with the first two. Transunion and XXXX have yet to correct my credit file and remove the not liable history. 

I do not wish to file a police report on a matter I have no liability, knowledge or responsibility for and it needs to just be removed. 

Transunion & XXXX have NOT properly investigated this and ignore my request to have it deleted EVERY TIME.
Consumer complaint received 2022-06-01
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: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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. 

1. XXXX  XXXX Account # XXXX 2. XXXX Account XXXX XXXX 3. US DEPT OF ED Account # XXXX 4. XXXX XXXX XXXX Account # XXXX 5. DEPT OF ED Account # XXXX
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX and transunion are reporting inaccurate information on a childsupport case that is XXXX ( XXXX  ) years old and should not be reporting on my credit report.I would like the inaccurate information removed from my credit file.i have been denied credit for this. I have filed at least 30 disputes and nothing has changed..I also sent in a certificate payment history statement from Florida XXXX and still nothing has changed.I my FCRA reports have been repeatedly VIOLATED.
Consumer complaint received 2022-06-01
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Auto Loan XXXX Auto Loan XXXX My Auto Loans were set up to auto-pay on the XXXX XXXX XXXX website . I was doing my payments as set up in their system. Something happened in their system in XX/XX/XXXX. XXXX was skipped completely. There isn't even a statement for any of them. The issue wasn't my unwillingness to pay the bills but the XXXX  XXXX XXXX auto pay not working. 
Customer service representatives told me that it is my responsibility to check that my bills are paid, but in the high of COVID when every business was close to closing and it was complete chaos globally, it is tone deaf to not take responsibility for their system not working but instead marking my loan as being late. Furthermore, I have been a customer of XXXX XXXX XXXX for over a decade and never had a late payment except this. 
They also offered in that month of XXXX deferred payments for 90 days due to covid. Every statement after that doesn't have payments applied, which were made over the phone, since their auto pay stopped working, and I was trying to fix it. After multiple calls and attempts trying to address the issue, they told me that they stopped having the availability to set up the autopay, and instead, I had to set up manually a Bill Pay on their site with a fixed amount that I set myself, which has worked so far. They didn't fix the autopay issue until XX/XX/XXXX, almost a year later, when they sent in the monthly statements notice of the NEW process.
Consumer complaint received 2022-06-01
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. (PA)

I don't believe that there's been an actual investigation on these accounts, and you've failed to furnish any documentation that prove they are reported correctly. Because of this, I need for you to perform an independent investigation and go beyond the original source of information to ascertain the accuracy of my accounts. I would also like to see any and all documentation that was used in the previous investigation as well as the documentation that you are required to have on file prior to the reporting of this account to ensure accuracy. I am getting really frustrated, because you keep telling me that I'm wrong when I'm sending you info taken directly from my credit report! This is exactly what you are reporting and I'm pointing out the errors, so how am I wrong when it's what you're showing me? All the accounts listed below came back verified and updated after verified but continue to read completely inaccurate. Delete the following from my credit report and I'm now asking for monetary compensation for each violation. 

XXXX # Continues to read that I paid on time. Account charged off. DELETE XXXX # Reads paid until XX/XX/XXXX. At XX/XX/XXXX 12 days late. DELETE XXXX # Date opened XX/XX/XXXX. Last payment XX/XX/XXXX. DELETE XXXX # in XX/XX/XXXX says paid. XX/XX/XXXX says 120 days. XX/XX/XXXX says 120 days again. DELETE XXXX XXXX # Reads XXXX different dates of activity. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. DELETE XXXX XXXX # XXXX last XXXX XX/XX/XXXX. Equifax last payment XX/XX/XXXX. DELETE XXXX XXXX # Account was opened XX/XX/XXXX. Last payment was made XX/XX/XXXX. DELETE THE XXXX # Report date XX/XX/XXXX. Last active date XX/XX/XXXX. DELETE XXXX # XXXX last active XX/XX/XXXX. Equifax last active XX/XX/XXXX. DELETE XXXX # XXXX last active XX/XX/XXXX. Equifax last active XX/XX/XXXX. DELETE FST XXXX # Credit limit {$0.00}. High Credit {$700.00} DELETE XXXX XXXXXXXX # Credit limit {$0.00}. XXXX XXXX {$510.00} DELETE XXXX # Closed account. Payments report good as of XX/XX/XXXX. DELETE XXXX # Date open XX/XX/XXXX. Last payment XX/XX/XXXX. DELETE XXXX XXXX XXXXXXXX # Date open XX/XX/XXXX. Date of last payment XX/XX/XXXX. DELETE
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Great American Finance Co (CA)

They manage to get a credit card from Great American Finance Co through XXXX 's XXXX and withdrew cash advance on the credit card. This card was open under a massive identity theft in which they have everything to take over my life including SSN, phone #, they changed my address through USPS, everything. Account was open on XX/XX/2022. I tried calling Great American to shut it down but they didn't because I didn't have the account number??? I have all these hard inquiries and soft inquiries that have affect my excellent credit score.
Consumer complaint received 2022-08-02
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. (FL)

When I investigated my credit report, I realized that some of the information was unknown to me. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items or information not later than 4 business days after the XX/XX/XXXX letter that sent to CREDIT BUREAUS.Ive already included this in my previous Complaint # XXXX XXXX and XXXX & I am including it again., Please remove the UNATHORIZED items below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$0.00} ; XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$0.00} ; Bankruptcy XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX bankruptcy XXXX U.S. Bankruptcy Court Filed on XX/XX/XXXX Reference number : XXXX
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (TX)

On XXXX XXXX, 2022, I learned Home Depot had lowered my credit limit because of inactivity. They say they sent a letter. However, I never received it. I only learned it had occurred because of a XXXX alert. It lowered my credit rating by 3 points. I had never had a late payment and the account had no balance and was 11 years old. I spoke with two managers who told me they must pull a credit report to reinstate. This would result in double jeopardy since my credit report would take a hit for an inquiry. I have excellent credit, but they refused to do anything without a new credit report. I dont want to close the account as that would also be reflected in my report.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I filed an {$1800.00} claim for a manufacturing defect in a TV purchased at XXXX on XX/XX/XXXX with Chase Card Benefit Services under their advertised Extended Warranty coverage benefit as a Chase Sapphire Reserve credit card holder. 

I provided all requested information including copies of purchase receipts, credit card statement, copy of manufacturer warranty, 3rd party repair estimate and diagnostic fee as requested. 

Chase denied the claim on XX/XX/XXXX as it was covered by an extended warranty from the merchant