davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
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. (FL)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2016-11-01
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO. (NY)

JPMorgan Chase Bank declined an auto loan for the following reason " Insufficient Payment on open auto loan or lease ''. The said they got the info from XX/XX/XXXX. This information is not only false but caused an extra bad inquiry to my credit report causing a negative hit on my credit score.
Consumer complaint received 2024-10-25
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. (GA)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-25
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. (TX)

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 2016-11-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

This is in dispute of my Case number : XXXX. I am not disputing Chase 's closure of my account. I am disputing whether or not Chase has the authority to require the writer of the check who is not related to Chase ( his bank is XXXX XXXX Bank ) to physically appear at a Chase location with me, in order for me to to receive the {$3500.00} that Chase has already been paid by XXXX and is still holding in their suspense account for the past four months. Can Chase arbitrarily hold funds and require the writer from a third party bank to appear at a Chase location to present his/her identification? If this is not arbitrary, then what was the basis of Chase 's decision to do this? It certainly appears either predatory against smaller banks, or possibly discriminatory against the person presenting the check to the teller at Chase ( as discussed in initial complaint, check was written and cashed into my account by XXXX XXXX, a signer on the account ).
Consumer complaint received 2016-07-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Advantage LNS Inc. (NJ)

I am XXXX and after 10 years of living at my previous address on XXXX XXXX, XXXX I gave written notice that due to unforeseen circumstances I needed to break my lease, attach is a copy of the notice. On Monday XXXX XXXX, XXXX my son dropped off the keys, at that time he was required to sign a move-out key receipt card along with reason for moving out and forwarding address to forward my security deposit, after inspecting the apartment. About 2 1/2 weeks later I text to find out the status of Mt security deposit and the XXXX XXXX the assistance property manager response to me to let me know that the law allow 's them 30 days after move-out date to return deposit. OK fine. On XXXX/XXXX/XXXX I again email XXXX XXXX to advised her that the 30days was up and my security is way overdue and has per the law my security is now doubled. ( CAUSE BY LAW I MUST BE NOTIFY OF MY SEC. DEP. OR WHY I AM NOT GETTING A REFUND ) attach is all the email after going back and forth I decided to file a suit in tenant landlord court. XXXX XXXX, XXXX I showed up in court for the judge to hear my case, which at that point for the first time the judge and myself was notified that they XXXX was filing a counterclaim against me, at the point the judge advised me of my rights if I wanted reschedule or go ahead with my claim against them, and at a later date they can come back for him to hear the counterclaim. Attach is a copy of the judge order ON MY CLAIM which was dropped, on XXXX XXXX I was scheduled to go back to court for XXXX XXXX COUNTERCLAIM AGAINST ME. XXXX XXXX OR THERE ATTORNEY NEVER SHOWED UP FOR THERE COURT DATE SO THE JUDGE DISMISSED THERE COUNTER CLAIM AGAINST ME. ATTACH IS HIS ORDER. AT THIS POINT XXXX XXXX is STILL TRYING TO COLLECT AFTER THE JUDGE DISMISSED THERE CLAIMS. I have faxed over a copy of the court order/judgement to XXXX XXXX at XXXX. She emailed/verbalize me in response to the judge/court order that I am still responsible the court order means nothing. Please assist me in resolving this matter. XXXX XXXX Thanks
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am a victim of identity theft, and TransUnion has violated my rights under the Fair Credit Reporting Act ( FCRA ) by reinserting a XXXX XXXX account ( XXXX ) into my consumer report without proper notification, as required by FCRA section 611 ( a ) ( 5 ) ( B ). This reinsertion occurred despite my prior disputes and without the mandated notification within five business days, directly impacting my credit score and financial standing. This account was reported without my authorization and falls under the FCRAs exclusion provision for identity theft, also violating the permissible purpose clause. This exposes your agency to civil liability of {$1000.00} for willful non-compliance. I demand that TransUnion immediately delete this account from my consumer report in accordance with federal law.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

I 'm receiving absolutely no assistance from the credit bureaus and I really need some help. I 'm specifically stating my disputes and I 'm receiving the same result each month when I am clearly pointing out where they are inaccurately reporting my accounts. HOW can they be verified when I am looking right at my credit report and getting the information from there? Please see the attached letters which clearly state where they are wrong. I need someone to help me because this is exactly why the FCRA was enacted - to protect people like me from people like them who do n't give a crap about anything and blatantly and willfully violation the law!
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2016-08-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (TN)

Hello- I am contacting CFPB to file a complaint concerning my experience with Suntrust Bank XXXX I opened a checking and savings accounts there XX/XX/XXXX and when doing so I was promised a {$250.00} promotion if I met the criteria. 

As of XXXX XXXX my personal banker, XXXX XXXX, assured me that I did meet the criteria and that I would receive the full amount by XXXX XXXX. I have attached a screen shot of that email conversation. 

On XXXX XXXX, I called the bank which informed me my banker no longer worked there and that I would need to contact Suntrust customer service. After speaking to multiple representatives, I was eventually sent to a supervisor, XXXX XXXX. I forwarded her emails from that stated instructions from XXXX XXXX to obtain the promotion. I also forwarded her the emails that I have attached screenshots of here. After our conversation, XXXX XXXX told me she would open the case and that Suntrust would get back to me within 3 to 5 business days. 

I emailed her XXXX XXXX and XXXX XXXX requesting an answer. I have called the Suntrust XXXX, TN branch several times and left voicemails only to receive no call back. 

Today, XXXX XXXX, I called Suntrust customer service in hopes to get an answer concerning the {$250.00} I am waiting to receive. I eventually got in contact with a XXXX XXXX. She explained that they found that I did not qualify. After checking my account, I believe I do qualify. 

I am very disappointed in the customer service I have received. They have not taken the initiative to call me back or reply to my emails. They have also not honored the word of their employee who guaranteed me {$250.00}.
Consumer complaint received 2024-10-25
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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-25
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. (NJ)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-10-25
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. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2016-05-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (VA)

Over the last six ( 6 ) months, since XXXX XXXX till today, I have been unable to get my free Annual Credit Report from the Experian Credit Reporting Agency online from the government authorized website : XXXX even after numerous attempts on several different occasions including today. I always keep getting the same message from Experian as folows : " A condition exists that prevents Experian from being able to accept your request at this time. '' My last free Annual Credit Report from Experian is dated XXXX XXXX, XXXX, over three ( 3 ) years ago, which I had no problem getting online from the said website. 

Please instruct Experian to allow me to get my free Annual Credit Report from Experian online through XXXX at the earliest, and let me know. I had no problem getting the same from XXXX and XXXX. Thanks, please do help and let me know.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2017-03-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc. (CA)

On XX/XX/2017 see the attached letter was sent to this company with a check stating that endorsement of this check constitutes payment in full and deletion of account immediately. Check cleared my account on XX/XX/2017. ( see attached document ). I am requesting this be removed immediately from my credit profile or legal action will be taken. Please ref to # XXXX CFPB
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-25
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. (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.

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 2016-05-12
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XXXX XXXX, 2016 I realized I had not made my XX/XX/XXXX payment on my account. I called customer service and explained to them that my Mother had transitioned on XXXX XXXX, 2016 and I was so involved with making plans for her services on XXXX XXXX, 2016 and away from home so I had not paid my creditors. I was told that the late fees would be waived this time when they received the payment. I made my regular monthly payment on that day but noticed on XXXX XXXX, 2016 the late fees had not been removed. I called again and was told it would be reversed in 24-48 hours. 
On XXXX XXXX, 2016 I called because there was an {$8.00} past due balance on my account. I was told on numerous occasions that it was a past due fee and not a late fee which had to be paid. 
I wrote a letter to headquarters and asked that they respond by XXXX XXXX, 2016. To date they have not contacted me. 
My problem is I do n't see any difference between a late fee and a past due fee. Also, my agreement does not mention anything about such a fee. I am wondering how many other people they are charging this fee and how much they are charging since there is no written policy in the agreement. Is this legal and can you assist me in getting this fee removed from my account? I have not paid the fee due to I do n't think it is legal.