davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern : I have been an XXXX credit union customer since XXXX and under my husband XXXX XXXX since XXXX and during that time, I have enjoyed my experience with XXXX greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have 1 late payment on the above referenced account that date back to XX/XX/XXXX. Since that time I have been an exceptional customer paying every month on time and set up payment arrangements automatically for my auto loan so it will come out on time regardless where Im located.

Because of my exceptional payment history over the last year and under my husband past 5 years I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of moving myself and daughters for a XXXX and starting life over in another city. Im the sole parent while my husband is away with XXXX XXXX and didnt have the best service or access to internet at all times. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that XXXX is willing to work with me on erasing this mark from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX XXXX is heads above the rest. I look forward to your reply. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2022-08-11
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-04-28
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. (NY)

In accordance with the Fair Credit Reporting act convergent accounts are fraudulent and Where not made by me. I do not recognize these inquiries and demand that they be deleted from my account immediately : 1 ) XXXX  XXXX XXXX -- Inquiry Date : XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX  XXXX Inquiry Date : XXXX XXXX 3 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX 4 ) XXXX/XXXX  -- Inquiry Date : XX/XX/XXXX 5 ) XXXX  XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX 6 ) XXXX  XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX 7 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX 8 ) XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX 9 ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XXXX XXXX XXXX -- Inquiry Date : XX/XX/XXXX 11 ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 12 ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX The aforesaid creditors did not have my written consent to access or pull my credit report. Please provide proof of my written signature that granted these companies to access my credit report. If that can not be done please remove these inquiries promptly. Please do not reply with a generic response about your obligation to report the inquires as they are. I am well aware of my rights that are allotted to me by the FCRA. And the aforementioned accounts are in violation of several FCRA Laws that are allotted to me. I do not recognize them and they are fraudulent and need to be removed off my credit file immediately. They are harming my credit file and hindering me from getting reasonable financing terms. 

In accordance with the fair credit reporting act convergent account : 1 ) XXXX XXXX XXXX XXXX : XXXX ( Delinquent for the months of XX/XX/XXXX ) 2 ) XXXX  XXXX : XXXX ( Delinquent for the months of XX/XX/XXXX ) 3 ) XXXX XXXX XXXX : XXXX ( Delinquent for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 4 ) XXXX XXXX : XXXX ( Delinquent for the months of XX/XX/XXXX ), has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

623 ( a ) ( 7 ) 15 USC 1681 and 621 15 USC 1681 : I did not receive a model B-1 or B-2 notice stating that the following accounts ( ) were going to report delinquent.

As a direct result of the violation of my rights that are allotted to me by the FCRA, i would like for the following late payments and inquiries to be removed from my account. I do not want any generic information the FRCA. Or any generic response, i am well aware of my rights under the FRCA. I would like to have the late payments and inquiries removed from my account because they are not verified and are violating my rights.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

3 nsf fees on XX/XX/XXXXXXXX XXXX XXXXXXXX. due to a {$10.00} retry payment 2 nsf fees on XX/XX/XXXX XXXX XXXXXXXX. due to a {$10.00} retry payment 1 nsf fees on XX/XX/XXXX XXXX XXXXXXXX. due to a fraudulent charge and they wouldnt let me dispute it. 


This bank refuses to work with us despite current financial difficulties due to my spouses employer refusing to pay due to the business being out of money. I tried to explain our situation and requested they work with us. They stated unless its a merchant or credit union error they will not work with us. I reviewed their user agreement and this is not listed anywhere. All that is listed is : What fees will I be charged if XXXX pays my overdrafts? 
No fees are associated with the transferring funds from savings or XXXX. For each Courtesy Pay transaction, there is a fee charged per transaction. There is no limit on the total fees we can charge you for overdrawing your account. 

In the past few months they have stolen hundreds of dollars in fees from our account.
Consumer complaint received 2022-10-28
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX Balance Owed XXXX {$2400.00} DP OF EDUC XXXX Balance Owed : {$2800.00} DP OF EDUC XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$2300.00} DP OF EDUC XXXX Balance Owed : {$6200.00} DP OF EDUC XXXX Balance Owed : {$590.00} DP OF EDUC XXXX Balance Owed : {$3900.00} DP OF EDUC XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$2400.00} US DEPT ED XXXX Balance Owed : {$2800.00} US DEPT ED XXXX Balance Owed : {$3000.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$6200.00} USDOE/GLELSI XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I deposited a check for XXXX and then the account that the XXXX came from was closed so the funds were returned. Once the check was returned my account went on hold as has been on hold since XXXXXXXX almost two weeks ago. I have been trying to resolve this issue with Chase for the last ten days, they tell me I have to call this one lady XXXX at XXXX but she never answers it goes straight to voicemail and I never get a call back. I spend on average one to two hours a day with Chase trying to resolve the issue, I am getting late fees and all kinds of charges because I can not pay my bills, Chase is also saying I cant even close my account and get access to my funds until XXXX has resolved the issue.
Consumer complaint received 2022-09-22
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. (CA)

In Accordance with the Fair Credit Reporting Act the following accounts have violated my right.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021, I mailed a letter to experian in regard to an inaccurate collection account, company is XXXX XXXX XXXX XXXXXXXX. {$330.00}. This account was found to be inaccurate and removed. now the company has relisted the account without any form of mailed communication. They did not provide me with debt validation of a copy of the ORIGINAL CONTRACT WITH MY SIGNATURE FOR THE DEBT. They did not provide me with the FULL PAYMENT HISTORY FROM THE ORIGINAL CREDITOR. They did not provide me with the ADDRESS of the ORIGINAL CREDITOR. The collection company did NOT SHOW PROOF THAT THEY OWN or HAVE BEEN ASSIGNED THE DEBT TO COLLECT.
Consumer complaint received 2021-09-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE ACCOUNTS THAT DON'T BELONG TO ME I AM INCLUDING A LETTER OF EXPLANATION
Consumer complaint received 2022-06-22
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-28
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-04-28
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act ; XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I hope this message finds you well. I am writing to address a matter related to a financial hardship I experienced recently. Upon reviewing my credit report, I noticed that you have charged off items ; however, I have not received a 1099 for this particular transaction. 

Capital One Capital One XXXX XXXX XXXX XXXX Child support In light of this, I kindly request that you provide me with a 1099 for the charged-off item at your earliest convenience. Having accurate and complete financial documentation is crucial for my records, especially considering the challenges I've faced. 

Your prompt attention to this matter is greatly appreciated. I am eager to resolve this issue and ensure that all necessary documentation is in order. 

Thank you for your understanding and assistance.
Consumer complaint received 2022-04-28
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. (FL)

Transunion says it verified a collection in my account through XXXX XXXX This is not true because my XXXX XXXX account has been frozen for years. i asked to show me a contract for the {$130.00} they sent to collection. Anything showing i had an account with this company and they did not provide then information. transunion is illegally reporting items. they have the burden of proof not me yet they continue to report it without proof. now i was denied for a loan specifically because of this item. you need to address this illegal activity.
Consumer complaint received 2022-05-21
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: Velocity Portfolio Group (WY)

In accordance with the fair credit Reporting act XXXX  Account : Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXXXXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a count without my written instructions.

15 USC 1666B : A creditor may not treat a credit card account under an open-end consumer credit plan as late for any purpose.