davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
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. (AL)

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.

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 2024-09-25
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. (CO)

On XXXX I spoke to a dealership XXXX  XXXX XXXX XXXX explained to XXXX the Sales rep prior to anything on my concerns about getting multiple hard inquiries pulled from other dealerships in search of a vehicle. I told him I did not want to do this due to the fact that I was working on getting my credit score up to get a new place and vehicle. He told me that they had to pull it once in order to see what they were working with as far as credit report and what theyd be able to help me with before I even went down to the dealership. I explained to him I will do only one more inquiry and thats it! Then today XX/XX/XXXX I get a notification on my phone telling me that my credit score went down XXXX points! I then looked to see exactly what happened & sure enough I see not only on XX/XX/XXXX but also on XX/XX/XXXX multiple inquiries pulled from auto nation I did not authorize. Also from different banks that they were using which he told me it would only be pulled once, had I knew that he would be trying to get financing from multiple banks I would have never even went to the dealership to begin with.. So all of the inquiries on these dates but one should not be on my report, because they were simply not authorized by me.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2022-11-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

It has been over 30 days and the creditor has not update the information nor has provided proof or documentation in regards to a late payment or the validity of the disputed accounts and inquires. They have not supplied this information and they must delete the alleged late payments, validated accounts and inquires on my credit report. Under federal law they had 30 days to complete the investigation and by failing to do so the items must be deleted from my report as soon as possible.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

For the past few months, these accounts have been appearing on my credit report, causing constant stress. Im asking you to please verify if these accounts are really mine. These mistakes have damaged my credit score and cost me financial opportunities, which has held me back from pursuing my dreams.
Consumer complaint received 2024-09-25
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. (WA)

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.

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 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the XXXX XXXX XXXX XXXX the Accounts listed in this complaint, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Act Convergent the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However, I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide this information that is required by law. Also, when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My attorney suggested I file this complaint. 

Accounts : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX ACCT # XXXX
Consumer complaint received 2022-06-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance America, Cash Advance Centers, Inc. (CO)

The company took an ACH payment and applied it to my balance on XX/XX/XXXX. I paid the loan off in full on XX/XX/XXXX. The loan is at a {$0.00} balance but the company refuses to close is out. They have told me several reason why : Needed to show the ACH payment cleared my bank, I did and the person in the store put it on file. Needed to give it to XX/XX/XXXX, I did and this was received in email that is attached, did not close on the XXXX. Needed to submit bank statement showing ACH cleared my bank online, not true, a manager later told me that was not an option for me. And lastly told me is would be 3, 5, 7, and finally 10 business days before the ACH payment " cleared '' on their side. The in-store person told me that there is an internal issue that they are having, at no point is there any noticing on the website or in-store referencing that they are having payment issues. This is damaging to customers and is very dishonest. If they are having issues they need to say so, not give 10 different excuses why they can not close the loan.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Dear Transunion XXXX, I hope this letter finds you well. My name is XXXX XXXX, and I am the XXXX  XXXX  XXXX of XXXX XXXX XXXX, a XXXX dedicated to assisting victims of XXXX XXXX, particularly those impacted by debt bondage. Our mission is to provide comprehensive support services, including legal assistance, counseling, and financial education, to help survivors rebuild their lives. 


Under the XXXX XXXX XXXX XXXX, we are committed to advocating for the rights of victims and ensuring they receive the resources necessary to escape the cycle of exploitation. We believe that collaboration with organizations like Transunion is crucial in our efforts to restore financial stability and dignity to these individuals. 


Transunion has willfully and negligently continued to deny the block requests of survivors coming from my agency. I have attached a copy of the authorization letter to this correspondence. I, XXXX XXXX, am the authorized representative for the victims and survivors. 


TRANSUNION is declining the request to block information for XXXX XXXX survivors. XXXX XXXX XXXX is an accredited XXXX authorized by the XXXX XXXX XXXX XXXX. I have attached the XXXX XXXX to this complaint. These victims and survivors are being deprived of an equitable resolution under the XXXX XXXX XXXX XXXX and Transunion is violating FCRA XXXX by delaying the process of blocking information within XXXX business days.
Consumer complaint received 2024-09-25
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. (GA)

Complaint Against : XXXX TransUnion Account XXXX : XXXX XXXX Details of the Complaint : I am writing to formally dispute two collection accounts reported by XXXX XXXX XXXX XXXX XXXX, with account numbers XXXX and XXXX. Despite my repeated requests for validation of these debts, the company has failed to provide any proof that these debts are mine. 

On XX/XX/year>, I sent letters to both XXXX and TransUnion via certified mail requesting an investigation into these accounts. Over 30 days have passed, and I have not received any response from either credit bureau. Additionally, I have filed two complaints with the CFPB regarding these accounts, but the company has not responded to my requests for validation.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any inaccurate or incomplete information on my credit report. The FCRA mandates that the burden of proof lies with the debt collector to provide documentation verifying the debt. If the debt collector can not provide this documentation, they are required to remove the disputed information from my credit report.

Furthermore, I was never notified about these debts before they were placed on my credit report, which is a violation of my rights under the FCRA. No one contacted me regarding these debts, and I was not given the opportunity to dispute them before they were reported. 

Requested Resolution : I request that XXXX and TransUnion immediately remove the disputed accounts ( XXXX and XXXX ) from my credit report. If these accounts are not removed, I will be compelled to pursue legal action against both the debt collector and the credit bureaus for furnishing false information. 

Please refer to my previous CFPB complaints for additional details. 

Thank you for your prompt attention to this matter Please see CFPB complaints XXXX XXXX Where the company violated the law by telling me that I needed to prove that the debt wasn't mine without offering any proof that it was.
Consumer complaint received 2022-06-16
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)

My issue is with Equifax, there was a Fraudulant Account on the Credit reports. I Disputed with XXXX XXXX and they determined we did not take the account out ( Identity Theft ). XXXX submitted, on or about XX/XX/22 to all 3 Bureaus to delete the file due to Fraud. XXXX and XXXX deleted and restored my credit scores. Equifax determine the account belonged to us, but this is not accurate since the Lender had determined it was Fraud and not our account. I contacted Equifax by phone on XX/XX/22 put on hold for 35 minutes and then having to get a Supervisor, I was told I would have to file a new dispute and upload the Document from Upgrade. I reluctantly did this ( not happy for more delays restoring my credit ). When trying to Upload the doc. to Equifax, the site said it could not and after trying 4 times I saved and sent the dispute in, but without the Document I am sure nothing new will be done. I tried to find a different way to get the Doc to them, but could find no way to do this or any way to get to a real person. I am at a loss as to how to get this finally resolved. I have already had 2 of my Credit Cards, reduce my credit line due to these reported lates ( on the Fraudulant account ) and low credit score.
Consumer complaint received 2022-11-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia (VA)

I do not no which medical provider this bill is originating from. My account on my chart which I pay a payment on XXXX each month wether it's {$10.00} or {$50.00}, I make a payment. The on line account states some of your bills are in collection, some of your bills are pending insurance and some of your bills are due. That's a broad range for someone to figure out what needs to be paid. But I make sure I pay something each month. I've filled out for assistance but haven't received a answer. As well as some of our portions of these bills I see are for services I have not received and I will be making a call to XXXX XXXX XXXX XXXX of Michigan and XXXX tomorrow to report it.
Consumer complaint received 2024-09-25
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. (FL)

I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (WI)

Bread Financial and the XXXX XXXX XXXX has not reported my credit information with them to the bureaus since XXXX. I have contacted them many times and they keep sending the same canned response that they need two more months. I have given them 4. My balance has been paid since XXXX and yet it shows a large balance.
Consumer complaint received 2022-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Hi, Today I received a transaction from XXXX for the amount of {$650.00} to a Fraud company call XXXX. XXXX claims that is the bank responsibility and Chase that is XXXX. At this point I hasnt been help to recover my funds from any of them.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Loan paid off in full on XX/XX/year>. Loan had been paid on the XXXX of every month. At payoff, I was assured there would be no negative credit reporting. 

The account is now reported as 30 days late. This is false information.
Consumer complaint received 2022-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-01-24
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. (NC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (OH)

My Citi Card will not allow me to make changes to my profile as it says I am authorized user which I am not. I am the only card holder and primary I have spent hours on XXXX  XX/XX/XXXX and XXXX  XX/XX/XXXX trying to resolve. They transfer me around to about dozen different departments. They have reset my user profile and it still says I am authorized user. On XXXX  I spent my time from XXXX XXXX  being transferred overseas to numerous departments and all refused to let me speak to a supervisor. On XXXX  XX/XX/XXXX same issue. All says my account is fine need to talk to technical support. I am not able to change my profile or access my Thank you Rewards points. I am the primary card holder. They have refused to let me speak to a supervisor or transfer me state side to speak with a rep.
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report