davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-15
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. (CO)

I am complaining about both XXXX XXXX XXXX and Transunion. I have disputed this account 3 times, but Transunion says the account was verified. I have sent in an entire package basically of proof as to why I do NOT owe the amount of money they are claiming I owe. If they are just calling and asking the company is that is the amount owed of course they are going to say yes. They have not investigated anything because I have literally sent them proof, and they are still stating I owe that money. The amount they claim is owed is {$7600.00} and it is from XXXX XXXX XXXX. They are charging me extra money I do not owe and on top of it they are charging me for things that were broken when we moved into the place, and I have the workorders to prove I requested those things be fixed. How is it that they are charging me for things that were already broken before I moved into the apartment. I had to move because they refused to fix a roof leak that ended up causing mold in my apartment. They were aware of the problem the entire time. I choose to withhold rent for the month of XXXX and paid it to the courts. They say I owe XXXX, XXXX and XXXX yet I paid XXXX to the courts and was only there till the XXXX of XXXX but they're charging me a full month and the month that was already paid to the courts. Just the rent owed doesn't add up. They are saying almost {$5500.00} was owed, my rent was only {$1200.00} a month, if you multiply that by 3 months which they say I owed it is {$3800.00} so how did they get a total of almost {$5500.00}. Yet Transunion is saying they verified what was owed and it was correct. It makes absolutely no sense when I have proof that was sent in showing the amounts they are trying to charge me are inaccurate. Also, I have proof of how they added the " move-out statement '' of amount owed AFTER I signed the move out paperwork, so I did not see it till a year later when this popped up on my credit report and I asked the apartment why I owed that amount and that's when they emailed me the statement they had. It clearly shows at the bottom of the pages the dates and how that statement was added the next day. If I had seen that paper, I would have not signed it because I would have never agreed to it.
Consumer complaint received 2022-07-29
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)

( XXXX, XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX, XXXX ) Investigation Request Letter Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It XXXX Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying I had some identity theft on my credit card, so I want to make sure everything is correct because I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) 1681i ( a ) ( 2 ) 1681i ( a ) ( 3 ) 1681i ( f ) ( 3 ) and 1681 Sec.604A Sec.2 ,15U.S.C. 1692 ( C )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Collection Account : XXXX XXXX XXXX Account Number : XXXX Date : AV : XXXX XXXX /Opened XXXX XXXX Credit Limit {$1500.00} High Balance {$99.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Collection Account : XXXX XXXX XXXX Account Number : XXXX Date AV ; XX/XX/XXXX Opened XXXX Balanced Owed {$400.00} Credit Limit {$1500.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


Collection Account : XXXXXXXX XXXX Account Number : XXXX Date AV : XXXX XXXX Opened XX/XX/XXXX Balance Owed : {$2500.00} Credit Limit {$3000.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Collection Account : US Dept.of Education/XXXX Account Number : XXXX Date AV XXXX XXXX Opened XXXX Balanced Owed : {$31000.00} Hig Balance {$24000.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Collection Account : XXXXXXXX XXXX Account Number : XXXX Place in collection XXXX XXXX Last Verified XXXX XXXX {$1200.00} Placed in collection XXXX Last Verified XXXX, XXXX {$880.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I recently conducted a thorough review of my credit report and identified several fraudulent accounts that have been mistakenly attributed to my name. These inaccuracies are unjustly affecting my credit standing and impeding my ability to obtain credit.

I kindly request your assistance in promptly removing these fraudulent accounts. I am confident that you will take the necessary steps to rectify this issue in a timely manner.

Thank you for your immediate attention to this matter. I look
Consumer complaint received 2023-01-08
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. (FL)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Google Compare Credit Cards Inc. (GA)

On XX/XX/XXXX, I get an email from XXXX saying Update your payment method. Don't lose XXXXXXXX XXXX They said I had until XX/XX/XXXX to fix it or my premium would be cancelled. I work M-F XXXX, their company is on the west coast so 3 hrs behind . The 're no way I'm able to pay it because my company I work for is on the west coast so when their open and closed, I'm clocked ina ns logged out. I tried to update my payment again yesterday aft around XXXX before they closed at XXXX. Suddenly my Google Pay account was suspended and I google that I could lose my google account because they can't verify my information. I've sent them my Drivers license and updated my old address to the current address. My account is still suspended!!! XXXX I AM A XXXX PLAN WITH XXXX AND NEED THE XXXX.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. 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 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2021-04-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synergetic Communication Inc (AL)

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I called TRANSUNION and XXXX on XX/XX/XXXX regarding erroneous inquiries that were placed on my reports without my consent. When I called in they told me they would be working on getting this inquiries removed and since then there has been no changes made for inquiries done erroneously. 

Transunion Erroneous Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  - Inquiries done 2 times by this company XXXX Erroneous Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiries done 2 times by this company
Consumer complaint received 2024-11-14
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. (FL)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX and 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 2021-04-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have been battling with Experian to be honest and fair with scoring and they have the same data that XXXX and XXXX  and yet they have not changed score even though I get emails saying scores have jumped which copy. They have not changed score since XXXX. XXXX  has me at XXXX and XXXX has me at XXXX and Experian me at XXXX. That is too much of a gap to say theyare being fair. I believe they are doing this for I file justified complaints and all they do and say they are investigating and need another 30 days. They send out that they can not adjust score and that is hard to believe when it is clearly a error on their part and they do not want to fix and they clearly violate the Fair Credit Reporting Act.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, XXXX XXXX XXXX signed for my certified letter requesting validation of a closed account by guarantor. Also asking why they closed my good standing account. This account was closed by XXXX on XXXX of XXXX in good standing and have been reporting payment amounts due and late payments on this closed account to all bureaus. I have received NO response from XXXX or ANY of the three credit Bureaus. I've sent certified letters to Experian on XX/XX/XXXX, NO RESPONSE, XX/XX/XXXX NO RESPONSE, and most recently XX/XX/XXXX, NO RESPONSE yet. XXXX  on XX/XX/XXXX, XX/XX/XXXX and most recent XX/XX/XXXX NO RESPONSE yet. XXXX  on XX/XX/XXXX, XX/XX/XXXX and most recent XX/XX/XXXX NO RESPONSE. Yet I have received another late payment post to my credit reports by XXXX XXXX XXXX. I have asked both XXXX, Experian, XXXX  and XXXX  to remove these inaccurate, false, and illegal information from being reported. I am being ignored and my credit is suffering because of it. I've worked really hard to maintain my good credit and this inaccurate information is hurting badly.
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On Thursday XX/XX/XXXX I called Bank of America to close my checking account, which had approximately {$1400.00} remaining in it. 


On the phone I was told that my options to settle the funds out of the account included ACH transfer for a {$3.00} fee that would take up to 3 business days. Unhappy with the fee proposed to close my account, I asked for an alternative settlement option. I was told that a Cashier 's Check could be mailed out to me without incurring a fee. I was told the Cashier 's Check would be mailed in 2 business days. I accepted this option as I did not want a fee, and the 2 business days was an acceptable timeframe for me. 

Today, Friday XX/XX/XXXX, having not received the cashier 's check yet via mail, I called into Bank of America to inquire if there was a tracking number they could provide for the Cashier 's Check. I was told by the first representative I spoke with that the Cashier 's Checks take roughly 2 weeks to arrive. When I told her that the previous agent on Thursday XX/XX/XXXX had confirmed a 2-business day lead time, the representative said that was incorrect.

I was transferred to the department that handles the issuance of these checks and they told me that they have no way to track the checks, and do not even have a confirmation in their system of whether or not the check was indeed sent out. She recommended that I continue waiting at least 10 business days from the date the account officially closed ( Mon. XX/XX/XXXX ). If the check has not arrived, then I can request a new Cashier 's Check, which will take 7-10 business days from that point.

This is entirely unacceptable from a major banking institution. They should 1. offer no-cost ACH transfers when closing accounts. or 2. Have actual controls and tracking system in place for checks that are mailed.

Having been told completely incorrect information that determined my decision to use Cashier 's Check, I have little confidence that the check will arrive in a timely manner now. I have no ability to view the status of the check. Bank of America is making it difficult and untimely to access my own money.

The first agent I spoke with today said she always recommends customers use transfers when closing out their accounts to avoid this type of issue, however they charge a fee to do so. This seems like a sketchy at best business practice and one that should be scrutinized by the CFPB. Bank of America does a considerable amount of harm to the working class in this country through their fee structure and ridiculously low interest rates for deposits ( being the key reasons I sought an alternative banking partner ).

While Americans do have freedom of choice to change banking partners, they should not be penalized for deciding to change.
Consumer complaint received 2024-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year>, I wrote two checks out XXXX XXXX XXXX XXXX XXXXXXXX ) for home repairs : Check XXXX for {$2000.00} and Check XXXX for {$2100.00}. The balance in my account was {$13000.00}, enough to cover the two checks I had written. 

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX were returned as insufficient funds. When I contacted XXXX XXXX regarding the error, when they then advised me that the account had a 14-day hold on the deposit unbeknownst to me, so therefore the checks were NOT covered. I then did a WIRE TRANSFER to XXXX XXXX XXXX XXXX XXXXXXXX ) to cover the returned checks. On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Check XXXX and paid XXXX XXXX  via Wells Fargo. 

I contacted XXXX XXXX of XXXX XXXX  who advised they DID NOT receive a credit into their account for Check XXXX {$2000.00} or Check XXXX {$2100.00}. The owner XXXX XXXX of XXXX XXXX XXXX WELLS FARGO BANK, which they advised him that they DO NOT have any history of cashing Check XXXX for {$2000.00} or Check XXXX {$2100.00}. 

I contacted XXXX XXXX  to confirm that they had indeed transferred the funds to WELLS FARGO, for which I was then provided a receipt of the CASHED CHECKS. 

I contacted the owners at XXXX SERVICES to let them know XXXX XXXX has provided proof that they credited the WELLS FARGO account XXXX {$4100.00}. The owners again advised that a credit was never received. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was credited in the amount of {$4100.00} on XX/XX/year> and have failed to properly credited the XXXX XXXX
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.