davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ account_name ] with [ bureau_name ]. 

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request. 



It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ account_name ] including but limited to, the nameof the creditor, along with their address and phone number. 

Also, I want to know who you spokewith and on what date. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NV)

I XXXX XXXX, I'm writing to put on notice the company Caine and Weiner concerning the alleged debt that is not owed. This company is listed on my XXXX and XXXX consumer reports. I learned of this alleged debt in XXXX of XXXX, by requesting my consumer reports from XXXX and XXXX. Caine and Weiner is listed there as a debt collector with the original creditor being Progressive insurance. On XX/XX/2022, I proceeded to send a debt validation letter pursuant to 15 USC 1692g. On XX/XX/2022, Caine and Weiner responded to my request pursuant to 15 USC 1692g. This letter does not validate the debt. The letter does not show any evidence of the debt owed to the original creditor Progressive. Caine and Weiner did not supply me with a purchase agreement from Progressive validating that this debt was ever owed and they now have obtained ownership to collect this alleged debt. In Caine and Weiner 's last correspondence with me, they violated 15 USC 1692f ( 8 ) Unfair Practices. Pursuant to this subchapter, a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. For all violations listed in this complaint, I will give photos of all correspondences between myself, and Caine and Weiner. Because they did not properly validate the debt showing any purchase agreement between Progressive insurance and Caine and Weiner of this alleged debt, I have factual evidence, which gives reason to believe that they are also in violation of 18 USC 1028 Fraud and related activity in connection with identification documents, authentication features, and information. Most insurance information in regards to a consumer disclosure report is located on the secondary credit reporting agency, XXXX XXXX. Caine and Weiner did not properly validate the alleged debt to show ownership to collect, so they are in fact in violation of 18 USC 1028. Also pursuant to 15 USC 1681b Permissible Purpose, there is no factual evidence showing any verbal, or written consent was given to Caine and Weiner to obtain any information listed on XXXX. So in closing they have no legal right obtained from Progressive insurance to collect on this alleged debt and have violated congressional laws under identity theft, the FDCPA, and also did not obtain any verbal or written permissible purpose to obtain a consumer report from any consumer reporting agency about me XXXX XXXX. I would like to request equitable remedy for Caine and Weiner, to delete this alleged erroneous debt from my consumer report on XXXX and XXXX immediately.
Consumer complaint received 2024-09-25
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. (NY)

I am writing to you as the holder of XXXX XXXX account number XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my Mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : 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 I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Sincerely,
Consumer complaint received 2022-07-27
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. (NY)

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 XXXX 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 XXXX 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 2023-06-18
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. (CA)

Experian falsely " verified '' that my account with XXXX XXXX XXXX  has a balance. This is patently false and is perpetuating the reporting of inaccurate information on my report. I provided Experian proof, but they still " verified '' the inaccurate information, so it is clear that Experian intentionally maintained the false data. I attempted to again submit the evidence of a XXXX balance, but Experian 's systems do not allow me to upload it. See attached evidence and screen shots. XXXX XXXX insists that I contact the credit bureaus.
Consumer complaint received 2022-08-22
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX 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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX more than 21 times. XXXX 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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have requested the company to help me out but I have tried almost six months with this I sent a letter in XXXX with the next statements and the documents attached and still nothing XXXX XXXX XXXXXXXX XXXX XXXX : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided.

Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within seven days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report.

Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement.
Consumer complaint received 2022-08-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (NY)

Key bank will get you with an overdraft fee at every turn. Even if I deposit money the same day the account is overdrawn I am still getting charged a fee of XXXX Which has gone up XXXX dollars and XXXX cents in the past year from {$35.00}. They say it is not possible to stop the account from overdrawing which is completely unreasonable.
Consumer complaint received 2023-03-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HAWAIIAN, INC. (HI)

I am XXXX XXXX XXXX and exist almost entirely on about {$1800.00} Social Security and a Pension of {$900.00} per month. I also had a XXXX XXXX XXXX XXXXhat is now largely defunct because of lack of product for sale but still incurs some monthly expenses. I am temporarily living in the XXXX XXXX with a loving adoptive family. 

The policy of First Hawaiian Bank ( FHB ) is to charge {$30.00} PER DAY for an overdraft of even XXXX XXXX resulting in monthly fees of hundreds of dollars.Until the last month, I was without a computer or internet-capable phone to deal with such matters. The result was accumulation of hundreds of dollars per month in bank fees that are growing monthly and yielding colossal profits to the bank ( XXXX XXXX XXXX XXXX XXXX ). 

Complaining to the customer service line ( XXXX XXXX XXXX, usually XXXX XXXX on hold ) eventually started to resolve some of the problems. It seems that the small business-related standing order fees taken from my bank 's debit card were marked as to be paid even if overdrawn. This arrangement was ceased about about 6 weeks ago so that I can deal with the vendors directly and NOT incur overdraft fees. 

There are also standing orders for payment on a XXXX credit card ( {$200.00} per month ) and on a XXXX XXXX loan ( {$380.00} per month ). I verbally told the bank NOT to pay these and had to put a stop on the former payment for which I was charged another {$30.00} ( added to the overdraft ). I repeatedly told them not to pay ANY standing charges because of the exorbitant overdraft fees. I do not know how to contact FHB with written instructions, or how to change bank accounts. 

This month, they paid the {$380.00} loan payment and, of course started up the {$30.00} per day fees, this is now results in accumulating fees so large that I will be lucky to obtain half of my total retirement income. Just missing a loan payment would only delay the payoff date or result in a future double payment, the following month, but this is not possible when my account is being drained by the bank. 

To be fair, the customer service people do try to make small concessions, like a XXXX XXXX re-imbursement but the trend is going to be eventually no money for living costs, food etc. This is really frustrating, and is affecting my health. I can not return to XXXX to deal with the FHB bank or visit the XXXX XXXX as the airfares are more than my social security income. 

I can not believe that the the exorbitant overdraft fees can be legal, as they are so reminiscent of a XXXX loan shark operation!
Consumer complaint received 2024-09-20
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. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-07-27
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 Bum. 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 2023-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NC)

The card was closed by an estate attorney without permission, and misrepresented as toxic asset to send to collections, when it is in good standing, paid ahead of time and with high credit line available. Annual card membership was recently renewed for frequent flyer points. 
Collections is a serious issue, stays on account 7 years, and can deprive the person of credit for future uses. This action can ruin a person 's credit, and a fraud.
Consumer complaint received 2023-05-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

XX/XX/2023 I Mailed a Notarized Certified Letter to ALLY FINANCIAL notifying them of a Billing Error i was Disputing. I also filed a CFPB complaint ( # XXXX ) and attached the copy of the billing error notice, which they received on XX/XX/2023. XXXX XXXX XXXX specifically states what was required by Law. Ally did not provide any of the required documents to me in writing or proof of any investigation into this Billing Error. THEY WILLFULLY DID NOT COMPLY AND ARE IN VIOLATION.15 USC 1666e states " any creditor who fails to comply with the requirements of section FORFEITS ANY RIGHT TO COLLECT FROM ME! Instead, ALLY FINANCIAL is willfully and knowingly non compliant and even took ADVERSE ACTION against me. They reported 2 late payments which is a form of " negative credit reporting '' as a result of me exercising my right to withhold payment until the Billing Error is resolved. ( 12 CFR 1026.13 ) Attached i included photos of my XXXX Credit Report i checked on XX/XX/2023. ALLY received my Billing Error on XX/XX/2023 and is still knowingly and willingly violating my rights as a consumer. I am attaching a Cease and Desist Notice I will mail to ALLY via certified mail. 
I have made multiple attempts to try and resolve this dispute reasonably but if they do not meet my demands, i will have no choice except to move forward with Arbitration.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.