davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
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 2024-09-02
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. (NE)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts : XXXX bal {$380.00}, XXXX XXXX bal {$720.00}, XXXX bal {$0.00}
Consumer complaint received 2016-07-14
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Partners, LLC (TX)

I have asked Financial Control Services to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2023-02-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (LA)

Vehicle was a total loss on XX/XX/2022. XXXX was the primary insurance company and Ally carries the XXXX insurance. XXXX paid off the bank. Ally is refusing to accept the Vehicle Valuation Form from XXXX. This form has been submitted XXXX or XXXX times and after a few days of delay each time they reject it with no reasoning given. Only twice have they even sent a notice that they were rejecting it. Again, not noting the reason. After a few calls, I finally got someone there to tell me it's because of the lack of financial information on the valuation. This form they're requesting comes from XXXX, and I have ( nor they ) have any control over it. XXXX 's claims XXXX was familiar with this and stated " Ally does this ''. So apparently it's not uncommon, and appears to be a delay or denial tactic to get out of paying. All - EVERY single one - of the amounts they were requesting on the sample document were included on other forms that Ally ACCEPTED.
Consumer complaint received 2023-02-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (OH)

The said car had been given back because I could no longer afford the payments. There was a payment plan set up then it was to be suspended because the car had been sold at auction on XX/XX/XXXX. When I returned the car I no longer had access to ALLY AUTO accounts and the remaining balance was given to XXXX XXXX XXXX XXXX with a balance of XXXX XXXX Then on XX/XX/XXXX after the car was sold, they attempted to retrieve money from my checking account. They were unsuccessful so they retried the payment on XX/XX/XXXX and took money from my account. They did not remove my checking information when I had no access after giving the car back. I am disputing it with my bank to get my money back. ALLY no longer has the account, I have to set an arrangement with XXXX for the balance.
Consumer complaint received 2015-08-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (MN)

I am complaining about XXXX accounts that I have with Wells Fargo. They have them listed as a charge off. I do not have the last XXXX numbers due to the age of the loans. The first is XXXX and the second is XXXX. I have tried for years to pay on these accounts and each time I try I am told that these accounts are sold and they supply me with the name of the buyer and the phone number. I call the number and they say that these accounts have been closed and to call Wells to ask any questions. Nobody will let me pay on them and nobody will let me settle on them. They just keep calling me late month after month. I have tried for years to pay or settle and nobody will let me. I recently wrote another dispute and attached is the response. I am not disputing the amounts even though there was clearly charges that should not have been on the accounts. I am disputing that these accounts should not be called late when they are closed. I am disputing these accounts that they are calling them late and will not let me pay on them. I am disputing these accounts because they say they are a charge off and still calling me late. I have disputed with them many times in the past. I never get a reason and they only say that the info is accurate. No it IS NOT!!!!! It is a crime to call someone late when the account is closed. It is a crime to report someone late when you do not accept a payment. I also want to make a formal complaint. I have been told by an employee that is in management at Wells Fargo, that Wells has reached out to all the local banks in XXXX and told them not to lend to me. If I do stop in a bank for money that Wells is to be contacted. I have this from an iron clad source and I want action now. Black balling is against the law and if this is not corrected, I will file suit and sue for as much money as humanely possible. This bank has mad a personal vendetta to black ball me and hurt mine and my wifes name and I am done tolerating it.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-02
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. (AZ)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-02
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. (VA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-02
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. (TX)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/2019 ) It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-02
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)

I did not authorize these inquires. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Agency of Credit Control (WA)

I hired XXXX from XXXX, Colorado in XX/XX/XXXX to build a prefabricated backyard studio in my property. XXXX was contracted for materials and also provided a certified professional installer. The studio design was signed off on XX/XX/XXXX and construction began once the material arrived in XX/XX/XXXX 2014. 

Due to ongoing issues with the installation, I withheld {$850.00} XXXX XXXX XXXX of the original {$20000.00} owed. {$19000.00} XXXX XXXX XXXX were paid by me prior to the completion of the construction as per the contract with XXXX XXXX. 

XXXX referred the non-payment to a debt collection agency, Agency of Credit Control XXXX as per the letter dated XX/XX/XXXX that I received from the agency. 
However the Agency of Credit Control XXXX has alleged that I owe {$10000.00} ( XXXX ). 

I have notified XXXX and the Agency of Credit Control XXXX that XXXX i ) The amount {$10000.00} of debt alleged by them is incorrect, ( XXXX ) The actual amount {$850.00} owed by me is being withheld pending repairs due of faulty construction. 
XXXX iii XXXX The Agency of Credit Control XXXX must notify all the credit monitoring agencies contacted by them about ( i XXXX and XXXX ii ) listed above.
Consumer complaint received 2016-10-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is another follow up complaint against Bank of America. This complaint is continual and linked to CFPB # XXXX, XXXX, and XXXX. To date, Bank of America has not accurately updated the status of these loans, which were settled via Short Sale XX/XX/XXXX. I have attached a copy of a portion of my XXXX credit report showing the misleading and confusing status of these loans. It also shows incorrect High Credit Balance for the second mortgage of over XXXX dollars which is not only incorrect, it is outrageous. I need Bank of America to update their credit reporting of these loans to reflect that the loans were settled in full and there is no balance. I also need them to reflect an accurate High Credit Balance. I need them to update these information with all Credit Reporting Bureaus asap.
Consumer complaint received 2023-02-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ALLY FINANCIAL INC. (OK)

I tried to use XXXX with my Ally checking acct on XX/XX/2023 to send {$460.00} to a contact XXXX XXXX. I got a message from Ally bank that I needed to call them to verify my identity. I have called four times and every time the customer service rep for Ally says it has been verified and the hold on XXXX transfer to XXXX XXXX removed and transaction should go through now. It has not released hold on XXXX acct. Now Ally says they can not help me remove the hold.
Consumer complaint received 2023-02-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sentry Recovery and Collections, Inc. (NV)

I stayed at XXXX XXXX XXXX, which are pre pay weekly, monthly and extended stay place here in XXXX XXXX nevada back in XXXX for lets say maybe 1-2 months. I did not renew the new lease i movee my belongings and turned in the keys and left it was short term wgike apparrment hunting. 
Fast forward to XXXX XXXX XXXX, roughly 2-3 weeks ago i get a random call out of the blue from some Sentry Recovery and Collections claiming and i quote that i owe a debt of {$950.00} to them on behalf of XXXX XXXX. I ask how and for what. They refused to state what ot is for, refused to give me any requestd proof and documentation i demanded, they told me to contact XXXXXXXX XXXX which i did who then said its in collections already amd that they cant provide me with any proof or documentation and to contact the collections agence which now ive been contacting corporate and collections. Both refuse to provide me with and documentation of an alleged debt tgat would have been over 1 1/2-2 years ago and now they all of a sudden in XXXX claim i owed them yet can not nor will not say for what. I did not damage any property i moved out and checked out and returned the keys to the office. The collections agency also stated " I eas tresspassed and escorted off the property by metro '' to which i respinded that is definately not me as i have never been tresspassed from anywhere ever in my life and if XXXX escorted me iff the property surely tgere woyod be record of what ever incident they claim took place for me to be escorted XXXX the property, to which u demanded proof and documetation of that, which they agaun refuse to provide and one XXXX  me to the other then the other semds me back to one, and i still have yet to see hear read sniff anything regarding this false debt. I then last week get a credit alert thrpugj my XXXX  and XXXX XXXX XXXX and my XXXX  credit scote dropped XXXX points, and my XXXX score dropped XXXX points due to they reporting this XXXX credit bureaus. My scores were XXXX, and XXXX, now within 2 weeks of them randomly calling my phone out of the blue to which i also demanded how they got my personal information and social security without my consent permission, my knowledge, in violation of my XXXX and XXXX amendment protections in violation of due process.they hung up on XXXX XXXX 1-2 to weeks later i get the credit alert. I have never heard of these people. I dont owe anything to anyone. And they fraudulently and criminally submitted this to tue credit bureaus and that has caused IMMENSE HARM AND DAMAGE TO ME.
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-01-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

The following inquires do not belong to me. I have previously tried to dispute them with the credit bureau with no result of having them removed. The bureau could not provide a signed contract stating the inquiry belonged to me or how my information was retained. 


XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX. 
Inquiry XX/XX/XXXX XXXX & Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX 
Inquiry XX/XX/XXXX
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (OH)

I was informed by XXXX after placing a request for XXXX through there online app that their was a freeze on my credit report. Upon receiving this information I spoke with 1 customer service rep ( who was rude ) and 2 supervisor 's in an attempt to correct an error in which on XXXX/XXXX/16 I had request for permanent removal of the freeze. No one assisted me in the error that Equifax caused. I continued to be informed that I had to pay another XXXX in order to get it removed after I already paid on XXXX/XXXX/16. The way in which they speak to the customer is an attempt to confuse them which is no professional nor ethical.