davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
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: Experian Information Solutions Inc. (CO)

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 2024-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (TX)

XXXXXXXX XXXX XXXX- received an interest charge refund in the amount of {$8900.00} to our Wells Fargo Autograph card. 

XXXX XX/XX/2024 - called WF customer service to request a credit balance refund to be transferred into our WF joint checking account. Was told it would take 7-14 days to receive. 12 CFR 1026.11 ( a ) outlines timeliness of these requests, whether it be oral, electronic or written. ( i. Refunding any credit balance to the consumer immediately. ; iii. Refunding any credit balance upon the consumer 's oral or electronic request. ) WF is already in violation of this Truth in Lending Act with their " 7-14 days. '' XXXX XX/XX/2024 - called WF customer service for a credit balance refund status. Was told it could take up to 14 business days to process. I informed of the violation of 12 CFR 1026.11 ( a ). The representative apologized but said there was nothing he could do. 

XXXX XX/XX/2024- ( officially 14 business days ). called WF customer service for a credit balance refund status. First representative told me it would take 14-28 days and has to be researched since it's over the amount of {$2500.00}. We would then be issued a paper check, not electronic transfer. The second, higher level, representative assisted in placing a case number with WF and proceeded to say the credit balance refund could take 30 days. She was unable to tell me whether the action had been processed, whether a check had been mailed, or why it had to be researched. The funds originated with WF, have never left WF and are not being asked to.

Note : current credit balance is {$8600.00}
Consumer complaint received 2024-11-12
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. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX XXXX number : XXXX
Consumer complaint received 2024-11-12
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. (CA)

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the bank regarding this late payment, and they have approved updating the account to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 

According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

XXXX  XXXX XXXX XXXX ....
Consumer complaint received 2024-11-11
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported 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. 


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 2018-02-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I noticed and filed 4 unauthorized charge disputes with Chase Bank. I was a victim of bank fraud. Someone got a hold of my bank account and used it to make purchases with XXXX. The first transaction was for {$1.00} on XX/XX/XXXX. The second transaction was for {$2500.00} on XX/XX/XXXX. The third transaction was for {$2.00} on XX/XX/XXXX and the forth transaction was {$2100.00}. On XX/XX/XXXX, I realized an error and called Chase Bank to withdraw the first dispute for {$1.00}. After filing the claim, Chase Bank issued a temporary credit only for the first two transactions in the amount of {$2500.00}. I told them they should have credited my account for all the transactions because the date of the first transaction was now XX/XX/XXXX. Since I reported the unauthorized purchases within 60 days of occurrence, I am protected under regulation E. Chase Bank needs to credit back my account for all three transactions in the amount of {$4600.00}. 

I have contacted XXXX and they said since these amounts were fraudulent, the bank just needs to cancel the ACH transactions. They will not dispute the process. Without the bank 's approval, they can not send the funds back to my bank account. Otherwise, they would.
Consumer complaint received 2017-03-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CT)

I have an existing first mortgage on my home with Citibank. I have an equity line of credit on my home with Citibank. Several years back when the economy took a turn for the worse and other unforeseen circumstances occurred I found it difficult to pay my obligations. I am self-employed. I have recovered and have brought each and every account current. Except for the equity line of credit with Citibank. It is not because I chose not to. I have for 5 years been trying to modify the equity line of credit with Citibank. I have documentation, correspondence and appraisals to document the last 5 years. I have never received a denial from Citibank and I have never received an approval from Citibank. I have written correspondence from Citibank they have received all the documents needed to evaluate a modification and move towards some kind of repayment. I have correspondence from Citibank that they would not move forward with a foreclosure if they received all the documents. Citibank received all documents several times, over and over again. Citibank has now moved forward with foreclosure. I have made payments through XXXX. I learned in the last quarter of XXXX that my payments were in a suspense account and not being credited to my account. I then learned that the payments I made and have been making over the years while trying to gain an approval of modification had not been applied to my account but thousands of dollars has been applied to accelerated interest. I have been assured by each of the XXXX different relationship managers who handled my account that no legal action would occur while I was in underwriting. I have all of the documentation to support my words in this communication. I have shared over and over again with Citibank how harmful this account reporting negative is for me being self employed. I have lost jobs because of their negative reporting. I have been denied or forced to pay higher interest on equipment I needed to purchase for my business. I was on the phone yesterday with my " New '' relationship manager of Citibank and today I received a phone call from a sheriff wanting to serve me with foreclosure papers from Citibank. As short as yesterday I was told I am in underwriting. This is not human. I have over XXXX feet high of documentation I have submitted, all I wanted was to get back on a repayment schedule while making payments in the meantime, only to learn none of the payments I have made were applied to my account. In summary Citibank has been taking payments for these years while I was applying for a modification for 5 years, yes 5 years never approving or denying all of my applications and now Citibank 's position is I have not made a payment since XXXX according to the papers filed. I hope and pray someone can help me and my family.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately, including every notation, date, and balance, whether reported or not. 

Account name : XXXX XXXX XXXX Account XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. 

If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws.

Thank you for your prompt attention to this matter. I look forward to your confirmation of the results of your investigation within the statutory period required by law.
Consumer complaint received 2024-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I paid for a hotel service which the merchant did not provide any service. I tried multiple times to exercise my legal rights to dispute the charge and Citibank has simply denied my legal right to open the dispute for the charge on XX/XX/XXXX XXXX
Consumer complaint received 2024-09-03
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. (PA)

Upon reviewing my credit reports I discovered that there are accounts that are not mine. Those accounts have been fraudulently opened with my information.. I am asking that those accounts be deleted and removed immediately The accounts are Credit Collection Services, Torres Credit Service, and Southwest Credit System. I was not aware that these fraudulent accounts existed
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been affected by a long term issue with A data breech & identity related issues. Some of the issues involve other incidences that are too private to share. 
Im a victim of identity theft. please delete the following information according to FCRA 605B 15 USC 1681. XXXX is required to delete all information in XXXX days. I am submitting this information of items requested here, thanks
Consumer complaint received 2024-09-04
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. (DC)

I did not authorized this company or have a contractual agreement for this company to view or report anything to my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the reporting. This is a serious breach of my privacy rights.
Consumer complaint received 2024-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Good day. There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me XXXX  on why and how this happened.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX. XXXX XXXX Alleged Amount owed XXXX No actions have been taken XXXX XXXX XXXX XXXX XXXX amount owed XXXX No actions have been taken I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt nor there for any such debt in fact there for exist. In this particular case this matter should be eradicated and resolved to a XXXX balance. All negative reporting 's should be removed from all credit profiles immediately.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is very frustrating, as my requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.
Consumer complaint received 2024-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-09-03
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. (MI)

I sent a letter certified mail to XXXX XXXX XXXX via certified mail. I have yet to get a response letter or correction of my credit report. On XXXX it is listed as deleted but still appears on my report. Looking for immediate correction.
Consumer complaint received 2024-11-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION (MD)

My auto loan was sold to a collection company, which the company is garnishing {$140.00} every two weeks from my pay check. The garnishment started back in XXXX XXXX. Also the original creditor which is, Credit Acceptance Corporation is reporting late payments to all 3 credit bureaus even though they sold my account to a to a collection company, and its hurting my credit score. According with the fair credit reporting act all 3 creditors has violated my rights under ( 15 USC 1681 section 604a section 2 ) .It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-11-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group (OH)

CKS Prime Investments is reporting a collection account on my consumer report that has not been verified or properly validated. This is a violation of the FCRA AND FDCPA. THIS ACCOUNT IS STILL REPORTING ON MY CONSUMER REPORT AND MUST BE DELETED IMMEDIATELY. IF THIS ACCOUNT IS NOT DLETED WITHIN THE TIME GIVEN IN THE DISPUTE THAT IS IN THE RESOLUTION BOX, I WILL SEEK FOR DAMAGES AND STATITORY DAMAGES. UP TO {$1000.00} PER VIOLATION PLUS EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT.
Consumer complaint received 2024-11-11
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. (MN)

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 : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX XXXX  has violated my rights. 
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 2024-11-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: U.S. BANCORP (WA)

US Bank Mortgage company reached out to me multiple times, a lender in another state in the " wealth management '' department. Promising an easy refinance since all my banking was with them. When the rates got into the low 6 % range I contacted him, was given a rate quote, agreed and within 15 minutes i was sent a loan application and loan costs which i signed and returned online. 

All loan disclosures had the same printed rate of 6.12 %. I paid a fee, the appraisal was complete, the loan was approved and after weeks of not hearing about a signing date i called several times and kept getting the brush off as don't worry it will happen and you wont have to pay your XXXX payment. When that didn't occur it was it would close soon and you wont have to pay your XXXX payment. Then i got a call from the agent saying " we '' had a problem in that he didn't lock our loan. ( 6 weeks after we signed the original disclosures. ) Then it was we had to wait for the next XXXX  meeting then his final response was we needed to wait a little longer. 
I told him that was unacceptable. I called his manager. Manager never even responded.