davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-06
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)

In accordance with the Fair Credit Reporting Act Convergent Account name XXXXXXXX XXXX, Account number 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. Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-08-06
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. (GA)

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!
Consumer complaint received 2024-08-06
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: Experian Information Solutions Inc. (IL)

Dear Consumer Financial Protection Bureau, Dear Consumer Financial Protection Bureau, I am writing to formally express my concern regarding the lack of action taken on my previous complaints about unauthorized hard inquiries on my credit report. Despite multiple letters requesting the removal of these inquiries, no corrective measures have been implemented. According to the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), I am entitled to dispute inaccurate information and seek its deletion if found to be unverifiable or incorrect. I kindly urge you to enforce these provisions and ensure the immediate removal of these unauthorized hard inquiries from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I 've completed a dispute on XXXX 's website and their website tells me the system accepted my message. However, I never get an email or postal mail in regard to the dispute filed. Thier technology is like dealing with a VCR that ate my tape. It 's old outdated and I hope legislation steps in to change this company and the industry. These companies are not set up for the consumer. They are set up to help keep the banks and finance companies in business.
Consumer complaint received 2018-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I have an auto loan through USAA. I made an additional payment on the loan outside of the regular monthly payment. Their app automatically triggers the additional payment to allocate between principal and interest on the loan. I tried to fix the payment so it was all applied to principal and it does not allow you to fix the payment. I tried to get them to correct through their chat function and could not. I left them a call back number and am waiting for a response. The app should automatically allocate additional payments to principal. I would like my payment applied to all principal. I feel like this is not a fair feature in their app to the consumer. The default for making an extra payment, should automatically be allocated to principal. The app makes you select principal only ... this should be the default. This occurred X/XX/18.
Consumer complaint received 2018-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Today at XXXX onXX/XX/XXXXI contacted Transunion the credit reporting agency to have these inquiries removed from my credit profile. However they refused to remove them. Being I was affected by there recent credit inquiry issue they did not notify me when adding them back to my credit report. I would like them to be removed being they illega added them to my credit report. Thank you
Consumer complaint received 2018-01-20
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)

In XX/XX/XXXX and XX/XX/XXXX, I accidentally missed two credit card payments with XXXX XXXX XXXX. I thought my account was set to " auto-pay '' but apparently it was n't. Once I noticed the error, I immediately paid what was due. Unfortunately, the " missed payment '' notes have lingered on my credit report for more than two years. 

My husband and I are about to buy our first home and we 'd like to have my credit report looking as good as possible. In my 10+ years of credit history, these remain my only negative comments. 

I 've requested that these notes be removed on two separate occasions but XXXX XXXX XXXX has not taken any action. I 'd like to request your help in having them removed. 

Thanks so much, XXXX
Consumer complaint received 2018-01-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX and XXXX of 2015, I accidentally missed two credit card payments with Bank of America. I thought my account was set to " auto-pay '' but apparently it was n't. Once I noticed the error, I immediately paid what was due. Unfortunately, the " missed payment '' notes have lingered on my credit report for more than two years. 

My husband and I are about to buy our first home and we 'd like to have my credit report looking as good as possible. In my 10+ years of credit history, these remain my only negative comments. 

I 've requested that these notes be removed on two separate occasions but Bank of America has not taken any action. I 'd like to request your help in having them removed. 

Thanks so much, XXXX
Consumer complaint received 2018-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I wanted to get a credit line for my bank of America cash rewards card. So i called their helpline via the number on the back of my card. 

The customer service rep clearly stated that when I apply online for the credit line increase that it would only be a soft pull. 

I mentioned to him that i did not want to request it if it was going to be a hard pull on my credit. He assured me that it would be a soft pull only. 

I checked my hard inquire report and it shows a hard inquiry on XXXX XXXX, 2017 I would like to have this removed as the representative gave me false information.
Consumer complaint received 2018-01-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (WA)

Opened a BBVA Compass checking account after seeing advertised terms for {$200.00} bonus they were promoting for new accounts. Terms required a minimum of {$300.00} direct deposit into the checking account, which I met TWICE over, first on XX/XX/XXXX and again on XX/XX/XXXX. Advertised terms said bonus would be posted within 60 days - I inquired about not receiving the bonus yet with the bank, but no response.
Consumer complaint received 2018-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My husband and I filed bankruptcy on XX/XX/XXXX and reaffirmed our XXXX XXXX XXXX that was financed with XXXX XXXX XXXX XXXX. We continued making our payments as agreed and were never late during the entire duration of the loan. I paid XX/XX/XXXX payment on XX/XX/XXXX and then we traded the car in on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX reported to Transunion that we were 120-149 days late and as of today XX/XX/XXXX the account is still opened and showing derogatory. I contacted them in XX/XX/XXXX to have this resolved and sent in all 12 months of my Checking account statements as requested and they refused to remove it from my credit report, causing me to have a low credit score and difficulties with financing. I have also disputed this with Transunion and it continues to be on my report as of today XX/XX/XXXX. XXXX XXXX XXXX XXXX continues to tell us that we were late in XX/XX/XXXX ( Pmt made on XX/XX/XXXX ) and I also made XXXX pmt on XX/XX/XXXX. I have all of my bank statements where every pmt was debited from my checking account and all of the loan coupons with confirmation numbers on them due to paying them either online or over the phone. I really need this resolved as it is preventing me from financing a home. Please help.
Consumer complaint received 2018-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I only have a debit card and Im now only hearing from people that in order to enroll in travel rewards programs, you must have a credit card, which I never had one. I love to travel and at the same time, would like to have a travel rewards program connected with a bank without requiring the use of a credit card. Its outrageous that they only require the use of credit cards to enroll in travel rewards programs.
Consumer complaint received 2024-10-04
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: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please correct the items, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

My wallet was stolen from my car In XX/XX/year> with all of my information including my social. I noticed information on my credit report that is inaccurate and that I had no knowledge of. They are the following : XXXX XXXX XXXX {$730.00} XXXXXXXX XXXX {$260.00} XXXXXXXX XXXX  {$3500.00} XXXXXXXX XXXX {$450.00} XXXX XXXX XXXX XXXX$3500.00} XXXXXXXX XXXX XXXX XXXX  {$1000.00}
Consumer complaint received 2018-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (CA)

I had a XXXX card I paid it off and than I move I request a new card and they send it to unknown addresses I call and now I have a bal and a late fees it took me 3 call before they got my correct address and now XXXX  want me to paid for they error since they send the card to a different address I still do n't know how they charge it so many times and XXXX  expect me to paid
Consumer complaint received 2018-01-20
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: U.S. BANCORP (IL)

XXXX XXXX did a hard inquiry on my credit on XX/XX/2017 and I never applied for anything for anyone to use my credit for them to do an inquiry. I need to dispute this inquiry.
Consumer complaint received 2024-10-03
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. (FL)

FINAL NOTICE RE : DEMAND FOR DELETION OF LISTED ITEMS/Per XXXX Privacy Act Also see ; Gramm leach Bliley act 15 U.S. Code & 1681- Congressional findings ad statement of purpose ( XXXX ) consumer reporting agencies have assumed a vital role WHERE DO YOU GET YOUR AUTHORITY Consumer Relations Dept : THIS SHALL PROVIDE YOU FORMAL WRITTEN NOTICE of numerous violations of FCRA consumer law statute, regarding said personal private credit file. 
Per the FCRA, I am entitled to have a fair and accurate credit report. 
XXXX PRVACY ACT, you have the right to privacy., 15 US code 1681 602A the right to privacy,.

15 US code 1681 604 A cra can not furnish an account without my written permission., See non-public personal information., 15 US code 6802-obligations with respect to disclosures of personal information 1. Notice requirements ; The term affiliate means any company that controls, is controlled by, or is under common control with another company. 
A person can only report to a affiliated corporation., A affiliated corporation is one in which the reporting person has a 51 % or greater controlling interest., 15 US code & 1681s-2 ( 7 ) Negative information 1. Notice to consumer is required 1. In General ; any financial institution that extends creditshall provide a notice of such furnishing of negative information, in writing, to the customer.

This shall be done 30 days before, or after furnishing of any such negative information.

Reporting of any alleged debt, as if it is a actual debt, ( never verified/validated or court order ), is ultra vires action, HEARSAY. 
Without a consumers written permission, reporting of any unauthorized information, for a commercial purpose, is a ultra-vires criminal RICO, ( 3 or more ), violation, resulting in, 18 US code 1028A- Aggravated Identity Theft, actions Designed to keep American consumers in illegal/unlawful financial slavery, see XXXX XXXX XXXX 487 U.S. 931 ( XXXX ). 
The below listed items are incorrect and are causing irreparable harm and distress because of your predatory business practices. 
Any continued reporting would be another violation, 15 US code & 1681n, knowingly, violating consumer lawyer, and Calif business professional code 17200. 
These items are as follows
Consumer complaint received 2018-01-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center (CT)

On XX/XX/XXXX I had blood work drawn at a lab (XXXX XXXX) and they billed my insurance company (XXXX) $XXXX.  The lab is in network and the insurance company has a discounted rate that brought that bill all the way down to $XXXX.  The insurance company paid $XXXX  and I was left with a $XXXX copay which I did not make.Today (XX/XX/XXXX) in the mail, I received a letter dated XX/XX/XXXX  from XXXX, a collections agency, stating that I owed a balance of $XXXX.  Which is 10 times the amount actually due. The representative for my account is listed as XXXX XXXX.I called XXXX and was told that I do, in fact, only owe $XXXX.  When I asked why the letter I received, asked me to pay $XXXX, the representative told me that this was the original amount due and an insurance adjustment had since been made.  I have the EOB from my insurance company and there was never an amount of $XXXX due, also, the insurance payment was processed 2 days after it was received, so there was no adjustment made after the fact.I believe that XXXX purposely misrepresented the amount due to fraudulently collect more than what was owed and also to collect a higher rate of interest and fees if I were to not make a prompt payment.
Consumer complaint received 2024-11-08
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. (NJ)

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-04
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: Experian Information Solutions Inc. (TX)

I noticed some errors on my credit report in violation of 15 USC 16c-2. These inaccuracies are harming my credit, and the inquiries were not approved by me.