davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
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. (TX)

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

Account name : trust bank account starting with 656000 has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (NV)

I have an XXXX XXXX card issued by XXXX, I had a credit Limit of XXXX In XX/XX/2020 I made 2 purchases totalling {$1800.00}, which pushed my balance up to {$5900.00}, I then received a letter they were lowering my Credit Limit to {$6100.00} ( decrease of {$3900.00} ) after contacting them they explained I was late on previous statements within the last 12 months, I understood. I have paid all my statements ON TIME since then and paid additional than minimum payment due each month. Today ( XX/XX/2020 ) I receive a letter they are raising my APR due to proportion of balance to credit limit is too high. Of course it is too high they lowered my Credit Limit 5 months ago. After contacting them they explained my credit score has dropped under XXXX. My complaint is, how do they get away during these unprecedented times ( COVID ) to take advantage of consumers who are not able to maintain there HIGH credit scores due to income and economy due to unforeseen impact?
Consumer complaint received 2022-07-31
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. (PA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-09-01
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. (SC)

I would like to officially request that you review the data on file for me. As per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and Metro 2 compliance standards, I am challenging all inaccuracies or deficiencies in reporting. However, I must express my disappointment that the credit report I received was not accurate. I am surprised that this is the case, as you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. I have a challenge for you- please make a document that shows all of the evidence and sends it to me, complete with verified sources. It is important to note that the XX/XX/2020 states that any deviation from these standards jeopardizes the integrity of data. 

This is a serious issue that must be addressed. I want to emphasize that the report you sent me is not accurate. Are you certain that all of the information is accurate and properly formatted? Please take note that the below-noted claims are disputed and have not been confirmed as facts. I am requesting that you remove any false accounts on my credit report as soon as possible, as this will have financial consequences for me in the future if left unchecked. I can not tolerate anything less than 100 % accuracy on my credit report. 
US BKPT CTXX/XX/1505XXXX Listed below are the Collections that are being challengedXX/XX/4447
Consumer complaint received 2022-07-31
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. (OH)

over the last year I have been disputing the inaccuracies on my credit file. I requested the credit bureaus provide verification for accuracy of a some accounts. They completed their investigation several times and stated the companies stated everything reporting was reporting accurate. I decided to do a thorough research myself and found improper inaccuracies on the report after their investigation. Below are the accounts in question XXXX XXXX XXXX  XXXX XXXX XXXX in accordance with the fair credit reporting act these accounts below have violated my consumer rights under 15 U.S.C 1681 sec 623 ( D ) States if information is found to be inaccurate, it must share information with all other consumer reporting agencies 15 U.S.C 1681 sec 602 A. It states I have the right to privacy 15 U.S. C 1681 sec 604 A sec 2. States a consumer reporting agency can not furnish an account without written instruction
Consumer complaint received 2024-11-22
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: TRUIST FINANCIAL CORPORATION (TX)

I am writing to follow up on my prior request made over two months ago for information and validation regarding inaccuracies on my account. To date, I have not received the requested documentation, yet the inaccurate information persists on my credit report. This failure to provide validation within the time frame required under the Fair Credit Reporting Act ( FCRA ) is a violation of federal law.

The specific issue relates to late payments being reported on this account. As you have failed to validate this information within the FCRA-mandated timeline, I am formally requesting one of the following actions : 1. Remove the account from my credit report entirely. 2. Remove the late payments from this account, as their continued reporting without validation is unlawful. Under FCRA 1681i ( a ), you are obligated to investigate disputes and either verify or correct inaccurate information within 30 days ( or 45 days in specific circumstances ). Your failure to comply with these requirements obligates you to remove the disputed information. 

Please confirm the immediate correction or deletion of this account in writing. Failure to comply may result in further action, including formal complaints to regulatory agencies and legal remedies.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (CA)

I accidentally requested to put my tax return on a credit card I made a large purchase about a week ago and I am unable to access my funds I've called credit karma customer service XXXX XXXX  and XXXX XXXX none were able to Assist me in resolving the problem I called credit karma fraud department they told me that my card had been unfrozen and I still do not have access to the money on my card.
Consumer complaint received 2022-04-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00}
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Company & credit bureau is reporting delinquencies from about XX/XX/XXXX to XX/XX/XXXX, which is incorrect. At some point there was stuff to the account I think that a occurred sometime around XX/XX/XXXX of which I was found in favor of the fraud. The car balance was at XXXX prior to the south. The company did do an investigation and reverse the charges, rewarded me back to late fees. And was in dispute of removing my delinquencies. I previously reported this they did remove the delinquencies from about XX/XX/XXXX to XX/XX/XXXX. Not sure why they're showing late activity from XX/XX/XXXX to XXXX of XXXX that I am sure this is in accurate as I have been on time with payments so they may have posted after they were paid. I need to have this corrected to update payment history and further improve conflictions with my credit reports.
Consumer complaint received 2024-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/year>, I discovered I had been a victim of another business wrongfully cashing my checks. I wrote three checks to my XXXX  company from my XXXX XXXX XXXX account. These checks were written from XX/XX/year> through XX/XX/year> and were all cashed and cleared in my bank account. I am being sued currently by my XXXX  due to them not receiving my money. To find out they were all endorsed by a firm called XXXXXXXX XXXX XXXXXXXX without my permission and XXXX XXXX XXXX knowing this, hence why they are suing me. They were illegally endorsed and deposited by this company and the financial institution that honored these checks is Truist Bank. My bank, XXXX XXXX has sent over my case to Truist and I now need assistance getting my funds back due to their errors. They should have never honored these checks that this company cashed when they were not made out to them nor endorsed by them to cash.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act, an unauthorized inquiry has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

XXXX XXXX ( XXXX ) XX/XX/2XXXX XXXX
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : Formal Complaint on Citibank Diamond Preferred Credit Card Citibank Reduced Credit I have a Citibank Diamond Preferred Master Credit Card ending in XXXX. I have a 22+ year credit history. The credit card was never paid late nor did I reach the credit limit. I have maintained the credit card in excellent standing. I am writing to document how I have been mistreated, request for personal login and passcodes to my checking account and my credit score negatively impacted by Citibank : 1. ) Citibank removed over {$2000.00} of  available credit on my Diamond Preferred Master Credit Card not once but twice within a 60 day period without any prior notification. 
2. ) The original credit limit on the card was {$5000.00} and the balance was {$3200.00}. 
3. ) XX/XX/2020, Citibank lowered my credit limit to {$3500.00} leaving available credit XXXX 4. ) XX/XX/2020, Citibank lowered my credit limit again ( 2nd time ) down to XXXX without any prior notification 5. ) I called Citibank to request they restore my credit limit back to {$5000.00}. They refused to because they said it was their prerogative to select accounts for credit limit decreases 6. ) The lower credit limit placed my account at a 99 % utilization rate, which caused XXXX XXXX ( {$13000.00} ), XXXX XXXX {$2000.00} ), and XXXX XXXX ( {$800.00} ) to remove my available credit lines as well. Again, no late payments triggering these decisions 7. ) To improve my credit score and utilization rates, I paid {$1600.00} to Citibank on XX/XX/XXXX to reduce my balance. Citibank bank refuse to post the payment to my account because it was larger than any other payment I had made. 
8. ) So, they refused to post my payment for 14 days. After 8 days I was wondering why the payment wasn't posted. Citibank said if I wanted the payment posted sooner, I would have turn over my XXXX XXXX log-in information ( User name, password and account # to them to call XXXX XXXX to verify the payment actually came out of my checking account. 
9. ) Why would Citibank request my confidential log-in and password # s to make a call to my bank? The other option was to conference in the Citibank Customer Service Rep on the call so, they could personally hear XXXX XXXX confirm the payment out of my account. 
10. ) How humiliating this was to be forced to conference in a Citibank customer service rep in order to have my payment posted to my account. This can't be a legal practice. This ordeal left me in tears. I had never been treated this way before. 
11. ) I could no longer continue with refinancing my home for a lower rate now that my credit score had significantly decreased due to Citibank, XXXX XXXX and XXXX XXXX decision to take away available credit lines and cause my credit utilization to rise to 99 %.
Consumer complaint received 2020-07-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

I tried to get a mortgage loan around XX/XX/2020 and found out about IQ Data International. I contacted them the next day over the phone for the first time to dispute the amount they were claiming I owed for an old apartment balance. I was told that since it was my first time contacting them in regards to the debt that they could offer me a one time offer to pay off the debt which was still less than the amount owed from the original creditor. I was told that I was being charged interest as a penalty for not taking care of the debt. I have attempted to dispute with the credit bureaus also since I found out about this debt on my credit profile the balance has gone up every month. I have documentation from XXXX County when it was discharged in court from the original creditor but I am not getting the necessary assistance to get this item removed. I have sent them a request to validate debt with my signatures confirming the debt but received a generic form back from the company. They never responded with their proof of debt but want me to pay for services that are inaccurate.
Consumer complaint received 2022-09-08
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. (AL)

I have sent multiple dispute letters to the bureaus to have these accounts removed from my credit profile : XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX I have not received any verification of debt or reply. Company violated the cease and desist by reporting any proof of debt or signed document by me that validates the debt and it's been over 90 days. Laws in 15 USC 1692 have been violated by the company 's actions and I request you to remove these negative accounts from all bureaus IMMEDIATELY! I will be looking to file an suit and complaints with FTC because my rights and livelihood has been affected by their actions.
Consumer complaint received 2022-04-25
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-06-30
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect XXXX  XXXX {$110000.00} XXXX   XXXX {$25000.00} XXXX  XXXX {$110000.00} XXXX XXXX
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Absolute Resolutions Corp. (CT)

Ive submitted several request for XXXX XXXX XXXX XXXX to provide me with verification/proof ( Original Consumer Contract with my Physical Signature on it ) in regards to the unverified account of my credit report ( XXXX XXXX XXXX XXXX ) XXXX which they have not. I provided enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. If you had investigated properly, you wouldve forward me a copy of proof when I first inquired, which you clearly dont have! Under the FCRA you must provide an Original Consumer Contract with my Physical Signature on it. A copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my physical signature on it ), and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. Under the FCRA, unverified accounts must be removed/deleted immediately. I demand for this account to be removed/deleted immediately, due to failing to verify. Under the FCRA, failure to verify/provide me with a copy of verifiable proof that I physically signed and agreed to this account, then you must remove the unverified account. I demand the following account be removed/deleted immediately! If you do not comply, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} USD should this matter end up in court. I look forward to an expedient resolution of this matter.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

On XX/XX/XXXX, I contacted Equifax in an attempt to resolve an ongoing dispute. Equifax has continuously reported erroneous information that Equifax was aware was incorrect and failed to takes measures to correct. 

Equifax has not updated my credit file in over 9 years. On XX/XX/XXXX I contacted Equifax to inquire as to why my credit report has not been updated in several years and is currently providing potential creditors with knowingly erroneous information. I was speaking to an individual named XXXX who refused to give me her last name or initial or contact information or extension or any other viable information that would provide insight into who she was. XXXX refused to identify herself further than her first name because she stated that Equifax rules and regulations do not allow her to identify herself ( assuming for issues like this ). I immediately asked for a supervisor and was told that I would not be able to speak to one because she would not transfer the call to one. She informed me that they could not help me because they have the same information she does. After asking for a supervisor over 20 times the representative refused to transfer the call. She attempted to deflect responsibility on the part of Equifax. She stated that it is not their fault they are not reporting the information ; it was the fault of XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, and every other creditor I had, however, it was not Equifax fault. They attempted to inform me that each and every one of those companies are not complying with sending in information. I have contacted each of those companies and have verified that they have reported correct information to the credit bureaus. Equifax continues to publish information it knows is incorrect causing irreparable harm and damages. After calling back Equifax after having " XXXX '' hang up while having me on hold, I asked for a supervisor or manager. I was put through a voice prompt system that had me pushing buttons for 10 minutes before I got a person on the phone who informed me that they couldn't help me because my file hasn't been updated in years and they have no information. Why is this company allowed to exist and continue to provide its services when sadly ever since the XXXX breach, they have not shown any remorse for their negligence, they don't care about serving their customers, and they are providing knowingly false information causing harm to the public. Now after informing Equifax that I was filing a report with the Consumer Financial Protection Bureau, I was told " Good Luck with that '' and then magically, they needed two pieces of identification faxed to them in order to assist me with this matter. This was retaliatory action for my reporting their incompetent actions to the Consumer Financial Protection Bureau.