davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
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)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (UT)

I have a mortgage account with Shellpoint that was transferred over. I unfortunately ran into some problems with my business that left me in a huge crisis. I am slowly recovering but during this time I did my absolute best with Shellpoint to get something arranged because I knew it was important. However, I was bringing in exactly {$0.00} a month for a while and it was really tough on my finances and my family. I never could have expected the tragedy that happened to my business and did my best and got current as soon as I could. I understand my responsibility and how I am supposed to take care of things but I am grateful to have moeny rolling in and the ability to now pay my mortagage. I ask Shellpoint please revise my case with grace and understanding that this was out of my control. I had employees relying on me, a family, and I do not take my responsibilites lightly.
Consumer complaint received 2024-11-19
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. (PA)

This morning, I discovered inaccurate accounts on my credit report, and I am completely baffled as to how they got there. I routinely check my report, but this time, discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was just a technical glitch, but nothing changed. These inaccuracies remained, and I am left deeply concerned. I urgently ask that the documents I've provided be carefully reviewed to ensure this issue is permanently resolved and I can stop worrying.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is in reference to inaccurate information that XXXX ( XXXX XXXX XXXX ) is providing to TRANSUNION and TRANSUNION is publishing to my consumer file.The inaccurate information is in regards to late payments which ne ver occurred with said company. What is being reported is below. 
2019 XXXX- ( XXXX XXXX late ) XXXX - ( XXXX late ) XXXX days ) XXXX ( XXXX late ) XXXX ( XXXX daysl UNDER ( FCRA ) CREDIT REPORTING AGENCIES ARE REQUIRED TO MAINTAIN ACCURATE AND COMPLETE INFORMATION. FCRA 607 ( b ) ( 15 U. S. C 1681 e ( b ) .. BE CLEAR IM NOT ASKING FOR VALIDATION BUT IT TO BE REMOVEDFROM MY XXXX XXXX FILE OR UPDATED TO POSITIVE PAYMENT HISTORY
Consumer complaint received 2024-11-19
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-14
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. (MS)

XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX I disputed the referenced accounts above XX/XX/2022 and on XX/XX/2022. The credit report of XX/XX/2022 shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2023, I noticed an unauthorized charge of {$980.00} on my Bank of America account ending in XXXX. I promptly reported the fraudulent transaction to Bank of America 's customer service, providing all the necessary details, and was given a claim number XXXX. After their investigation, Bank of America denied my fraud claim, stating insufficient evidence to support my claim or another reason that I believe is not justified. 

I have reviewed my account statements and can confirm that I did not authorize this transaction. I have also taken appropriate security measures to protect my account, such as updating my online banking password and monitoring my account for further suspicious activity. Despite my efforts, Bank of America has not provided a satisfactory resolution to my issue. 

I am filing this complaint with the Consumer Financial Protection Bureau to request a thorough investigation into my denied fraud claim and to seek assistance in recovering the lost amount of {$980.00}. I believe the bank 's decision to deny my claim is unjust and request that they reconsider their decision and credit the amount back to my account. 

Please let me know if there is any additional information needed to support my complaint or if there are any further steps I should take. I appreciate your assistance in resolving this matter.
Consumer complaint received 2022-09-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (CO)

I received a pay off quote on XX/XX/XXXX for my XXXX XXXX XXXX. I git approved for the XXXX payoff from my credit union. I.mailed the check off to them on Thursday XX/XX/XXXX. I called them all the following week and they kept saying they hadn't received the check. I finally demanded that someone reach out to the dept that the checks go to and pull my check and post it. They are trying to say I still owe money while they held the check up deliberately to get more interest in my opinion. The check is dated for XX/XX/XXXX, so the check is within the 10 day payoff quote. I need them to release my title and clear my loan
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I purchased a vanity from XXXX XXXX on the credit card in XX/XX/2021. I ended up returning the vanity. I got billed a XXXX $ balance so I called to see what it was and they said I was charged a late fee and they would take it off. I was told my balance was XXXX XXXX The next month I was charged a late fee again. I called and they said it was a mistake and they would take it off. This continued to happen every month. In XXXX i closed the account in hopes the late fees would stop accruing but it didn't work. Every month I called and XXXX XXXX would tell me it was a mistake and they would take it off and the next month I would get charged a {$29.00} late fee. When I called in XXXX I was begging the representative to let me talk to someone that could help me because merely just removing it every month wasn't working. She finally figured out that every month I was charged a XXXX $ late fee I was also charged a {$2.00} interest fee that the other representatives were not removing. She promised me this would work. In XXXX i got a balance of {$25.00} which I was unsure of where that amount came from but it was low enough that I just paid it in frustration because I was tired of calling. That finally worked and I stopped getting fees. My XXXX XXXX dropped over XXXX points over this and I disputed it online but nothing changed.
Consumer complaint received 2024-09-23
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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! 


Update the late payments from my consumer reports
Consumer complaint received 2022-08-22
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: Experian Information Solutions Inc. (FL)

This was not sent in error i am a consumer by law and my information is missused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my report.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am asking for your help in resolving the incorrect account listed on my credit report. This has damaged my reputation, and I rely on your help to fix it. Your poor handling of my credit report has deeply affected me, causing damage to my reputation. These false details need to be taken off my credit report immediately.
Consumer complaint received 2022-09-14
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 XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC ()

To whom it may concern : I went to XXXX XXXX XXXX in XXXX, PA on XXXX XXXX, XXXX for a XXXX XXXX to return to XXXX ( I live in XXXX although I am an American citizen ). I paid completely for the XXXX XXXX, {$110.00} with my credit card. The statement from XXXX states, " prompt pay ''. 
In XX/XX/XXXX, I received a letter from Transworld Systems Inc that I owe {$70.00} to XXXX XXXX XXXX. I immediately went online to the account indicated and initiated a dispute. The letter required that I initiate the dispute by XX/XX/XXXX. 
Following the initial date that I went online, I went online again and the account still did not show the dispute initiated so I clicked again on the dispute. On XX/XX/XXXX, I did the same thing again and it still did not show the dispute initiated so I decided to call Transworld. I was told that they confirmed the dispute was initiated, only on the second time I went online but would not provide proof that I initiated the dispute. 
Since then, I have not heard anything from Transworld and also tried to log in to their website ( XXXX ) but the site is no longer working. 
At this point, I am not sure what I should do and decided to reach out to CFPB as I do not want this episode to affect my credit rating and be solved quickly. 
Thank you for your support! 
Best regards, XXXX
Consumer complaint received 2024-09-17
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

I am in my 3rd attempt to dispute a charge from XXXX XXXX XXXX for a Project that was cancelled via text with his salesman XXXX XXXX. My husband signed the Agreement back in XXXX of XXXX and due to the lack of feedback from the company for a month we cancelled the job on XX/XX/2022, and they know the project was cancelled because they charged my account {$10000.00} in early XXXX. There was never any work performed or any items purchased, the owner of the company contacted us several weeks after the cancellation insisting that we allow them to continue the work informing us that if we allowed someone else to do the work it would be bad. After several emails and text he realized we were not going to let them do the work so he told us that he would charge us a cancellation fee ( {$10000.00} ). The Project never started the only documents that was ever signed was the agreement by my husband and I am being forced to pay for literally nothing because Synchrony accepts his fake paperwork. XXXX could not have purchased anything on our behalf because the design was never finalized, my husband didnt sign off on anything other then the agreement and I signed up for the Synchrony account thru their salesman. XXXX XXXX the owner sent unsigned documents as proof that they did work to Synchrony, insisting that we allow them to do the work and at the same time saying we didn't cancel. But then acknowledges that we did cancel and that we didnt receive a cancellation notice because he needs to send it to us. The documents synchrony is accepting is being created by XXXX to continue the lie because all we have from them is the initial Agreement letter, that only my husband signed. Again we didnt sign anything and didnt receive anything from Keystone not even the documents needed to start the project for the HOA. I dont understand why synchrony is taking his documents as proof without allowing me the opportunity to dispute, my account is being scammed by this contractor. I have attached the emails and the lawyers document along with Texas consumer law 601 regarding cancellations ( they can not be done electronically ) I have to have a signed copy acknowledging I understand their policy. Furthermore we didnt sign a sales slip or cancellation notice as I was informed by Synchrony customer service agent, he provided this after my lawyer sent a letter telling him that he was in violation of the Texas consumer code involving cancellations. I am being asked to prove that I am being frauded how do I do this when XXXX can make up documents with not wet signatures to prove they are right? Case # XXXX Synchrony Design Account
Consumer complaint received 2022-09-14
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. (IL)

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX, XXXX XXXX XXXX and Bankruptcy. 
This has caused me tremendous anxiety, stress, and financial hardship.
Consumer complaint received 2022-09-18
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. (TN)

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

15 US C 1681 Section 602 states, I have a right to privacy.

15 US C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.