davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (AZ)

I recently sent you a request to reinvestigate the information previously disputed. Please review my prior correspondence, I am losing patience with the computer-generated replies I have got. If the information is not immediately reinvestigated and removed, I will be forced to seek legal advice and submit complaints with regulatory enforcement organizations such as the Federal Trade Commission, and my state attorney general. Remove this incorrect information. The consumer reporting agencies need to report all information with complete accuracy, this account was not late. I requested proof of the previous investigation, I requested records, of who they spoke with, their business address and information, and phone numbers, as well as documentation that the account was late, I asked if they can not provide me with information within 15/days paid never late and requested updated copy of my credit report. As of today, no documentation has been provided. Account number XXXX Please updated my name correctly to XXXX XXXX XXXX XXXX XXXX XXXX is incorrect. 

PLEASE UPDATE CORRECT AS CURRENT XXXX  XXXX XX/XX/XXXX STATE I WAS 30 DAYS LATE BUT CURRENT FOR XXXX AND XXXX XX/XX/XXXX AND XX/XX/XXXX STATE 30 DAYS WHICH IS INCORRECT PLEASE UPDATE CORRECTLY XX/XX/XXXX stated 30 days and XXXX XXXX XXXX XXXX XXXX XXXX days which is incorrect- can't be 30 days late each month please update ad current. XXXX XXXX stated 30 days late, while XXXX and XXXX are current-Which is incorrect please update correctly as current. XXXX XXXX stated 30 days and XXXX are each 30 days late and XXXX and XXXX are current - Please update correctly XXXX XXXX stated 30 days late - while XXXX and XXXX are current -please update correctly XXXX XXXX stated 30 days late and XX/XX/XXXX, and XXXX Need updated as current as stated 30 days which is incorrect. XXXX and XX/XX/XXXX stated 60 days late which is incorrect, I show paid on time.
Consumer complaint received 2024-09-03
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. (AZ)

Upon cheking my condumer report I received alerts of attempt inquiries made to my name. 
XXXX. XXXX XXXX XXXX I am not liable for this inquiry please remove immediately
Consumer complaint received 2017-08-17
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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL (MI)

I have been in constant contact with SYNC / Care Credit and informed them to please send me documentation that I signed a contract to pay them. The listed item is entirely inaccurate, and represents a very serious error in there reporting, also they have not presented me with my signature as proof of any contract with their company, as with many other consumers, we are pressured into paying collection agencies in order to maintain our good credit standings. This is a perfect example, as I was pressured to pay, as I didnt know what the Law was at the time, and in response to the threatening letter that I received. I have been in contact on numerous occasions, and they continue to be not responsive to my request to remove this entry from my report. My credit has suffered, with high interest rates, and recently rejected credit applications from banks because of this entry. Thank You
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. (FL)

REMOVE THIS IMMEDIATELY or UPDATE to PAID/NEVER LATE 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a cred-it card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed 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 pay-ment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without in-curring an additional finance charge, such addi-tional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

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 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. (KS)

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 2024-09-02
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 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. 

XXXX - XXXX, XXXX XXXX - XXXX
Consumer complaint received 2016-12-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MD)

I graduated this past XXXX, officially in XXXX, prior to that my Navient account was being forbeared by paying {$150.00} which was supposed to go to all my loans. However, the loans originally written through XXXX XXXX were special XXXX XXXX loans where the parent was the parent borrower and their income/credit was the basis of obtaining the loan. The student was listed as the student but still responsible for the loans. There are a total of XXXX smaller loans with Navient, however, when I was paying the good faith payment to protect the credit reporting, they did not cover all the loans because they were not brought over from XXXX XXXX with my name being attached to them all. Apparently this loan type is no longer offered because of its complex nature of not proving the student was in school. Now I have graduated and have attempted to consolidate these loans, but constant negative reporting while in school ( the grace period ran out because I took more years to graduate ) makes it difficult to be eligible for anything. Additionally, between my parent and myself, never got information on all the loans over the phone because of the way they separated in the system. So some representatives gave incorrect information because they did not look in all places. 

Although there were special programs available, I was not told about those until after my account got extremely delinquent. Now I am enrolled in a interest rate reducing program which is helpful, however, Navient still reports the loans at delinquent, and a letter for setting up the program states they will continue to do so until the qualifying payments are made. You have to make XXXX automatic payments in XXXX consecutive months in order to fully gain entry into the program. My issue is that I started with a credit score in the high XXXX, in 4 months of successfully paying off credit debt, paying student loans, due to being gainfully employed, I was nearing a credit score in the high XXXX, and easily would be in XXXX range by next year. Now in XXXX month, it has dropped XXXX points. And will continue to drop at such a large rate, that despite being on time with my agreement and payments across the board, I will be penalized for this. In addition, despite being in the program, you still receive calls upwards of 3 times a day. No one there seems to share information which would be helpful to those who are attempting to pay.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
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. (AR)

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 XXXX, XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: 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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX : account number : 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. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2016-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CO)

When our mortgage was sold from XXXX to DiTech, they misplaced one of our payments during the transfer. They insisted they did n't have this missing check so we resolved the issue quickly by stopping payment on the lost check and issuing a new one. 

Then they found the missing check and tried to process it, but it was already stopped, so it was returned. This went into their system as a returned check. 

Since then, DiTech has been telling us we are short a payment because of a returned check, but we are not. We are fully paid up with the correct number of payments, which they see and admit every time I talk to them on the phone. They know that they have a system error that is misreporting this as an issue, and I 've been trying to resolve this with them since XX/XX/XXXX over the course of a dozen phone calls that last XXXX minutes each. 

But they can not fix this problem. I 've been assured a number of times that they are correcting it, and then we get a late fee the next month again. I call them, they see the problem, they remove the late fee ... and then the next month I get another late fee because the underlying problem is not resolved. 

I did not choose DiTech to service my account, and I do not seem to have any recourse to get away from them without refinancing my mortgage. They are constantly over-billing me for late fees that I do not owe, and I waste time talking to them every month in a desperate attempt for them to fix their problem. I 'm afraid that they are going to affect my credit rating by reporting me for late payments that I do n't owe.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX  mail out a balance of {$0.00} as well sent a copy to the US Attorney office. 
XXXX XXXX got mad after i cancel the Insurance as i had a new policy in effect the day i cancel. 
XXXX XXXX XXXX kept giving me the run around in which they never call back and had a bad attitude with me cancel the insurance. 
XXXX XXXX also made false statements there was never no notice mail out before they place a collection for a bill not owed. 
XXXX XXXX had no right placing a debt that was not owed by the letter and balance mail out by them showing a {$0.00} Balance on XX/XX/year> XXXX XXXX was rude to why i cancel them by them telling me i had to pay the whole policy upfront is why I cancel due to paying all of it at once. 
XXXX XXXX Rep was as rude as they come about paying it all. 

XXXX XXXX had no right placing it on no collection with credit bureaus or any data collection as a bad debt. 
I had talk to an attorney with the matter that does law suits and collections regarding matters like this.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Sent letter and disputed the inaccurate information being reported to credit agency below is letter sent to the furnisher asking them to correct the wromg address or remove the information I am writing you again in regard to an account that you are reporting to the credit bureaus. I have disputed the accuracy of the information you are reporting to both you and the bureau. 

The account is being reported inaccurate information. As the furnisher of this account you are required and can not report inaccurate information to credit agencies. It is my right to make sure you are reporting accurate information. As you know the FCRA 15 u.sc 1681 governs access to consumer credit report records and promotes accuracy, fairness and the privacy of personal information assembled by credit reporting agencies. 

Your information that you furnish to the CRAs must include accurate information as it pertains to the account Correct spelling of name, address, account status history. 


Many times, you update the account when I send a dispute, but you NEVER update the inaccurate information being reported, every dispute mentions the address listed to not be my address. The address listed will need to be updated to reflect my accurate information or you need to remove this. 

I have reached out several times and this has not happened. 

Please correct the information or remove this Best Regards XXXX 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. (MI)

Subject : Formal Complaint Regarding Unresolved Credit Report Disputes Dear CFPB Representative, I am writing to request your assistance regarding unresolved credit report disputes that I have been experiencing with all three major credit bureaus : XXXX, XXXX, and TransUnion. 

Beginning in XX/XX/XXXX, I initiated my first round of disputes concerning inaccuracies on my credit reports. Since then, I have undertaken six rounds of disputes, with the latest submission made in XX/XX/XXXX. Despite my repeated efforts, none of my disputes have been properly processed or resolved. Instead, I have continually received what appear to be stall letters from each bureau, failing to address the specific inaccuracies I have reported. 

I am enclosing copies of all correspondence and documents I have sent and received throughout this process, including a notarized letter that outlines each dispute and the supporting evidence provided. I believe these documents demonstrate a clear pattern of non-compliance by the credit bureaus in adhering to the Fair Credit Reporting Act ( FCRA ) guidelines. 

I respectfully request that the CFPB intervene to ensure that the credit bureaus conduct a thorough investigation into my disputes and provide a comprehensive response, as required by law. This matter has caused significant frustration and inconvenience, and I am seeking a resolution that corrects the inaccuracies on my credit reports. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance in ensuring that my disputes are addressed appropriately. 

Sincerely,
Consumer complaint received 2017-01-24
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (WI)

After 6 months of billing with the Best Buy Citi Bank XXXX, I noticed the " EHN DEBT PROT '' charge on my statement. 

I was charged {$150.00} in 2016, and XXXX this past month ( See Attachments ). 

This is deceptive marketing/enrollment purely engineered to hurt those that set up auto payments to pay off promotional balances based off total charge divided by the term of the promotion. I now have to increase my payment. I WANT A REFUND! 

I 'm disappointing in Best Buy for allowing this, I did see there has been a previous lawsuit and settlement. Clearly this behavior is still going on!
Consumer complaint received 2016-07-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

I purchased from XXXX on XXXX/XXXX/16 XXXX camping cots from a company called XXXX. These cots sell for {$34.00} for XXXX and can be purchased in lots of XXXX for {$68.00}. I purchased XXXX lots of XXXX at {$68.00} for a total of XXXX cots at a cost of {$130.00}. Even though these cots were purchased in lots of XXXX they were shipped separately. There was XXXX shipping label per box with only XXXX cot in each box. I only received XXXX boxes with XXXX cot in each for a total of XXXX cots and XXXX cot came damaged. I put a dispute in with Citie. I explained thru photos I can prove that only XXXX cots were delivered. I asked if their was a chance Citi would settle without contacting me. I was assured that i would be contacted. Guess what? Citi settled with the merchant because they showed XXXX shipping labels. Its amazing that XXXX and Citi ca n't make this right. I ca n't even imagine why the merchant would n't know their cots were shipped separately unless this is diliberate fraud
Consumer complaint received 2016-08-02
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Incomm Holdings Inc. (IN)

I purchase a prepaid XXXX at XXXX and the receipt stated that it was authorized. My son went to use it and it was n't authorized. I called XXXX and so far it has taken 72 hours and I still do n't have the money or an authorized card. I sent a copy of the receipt, a picture of the card, and my driver 's license ( as requested ). They are telling me that it is in compliance and that they are unable to help me.
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. (VA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of XXXX XXXX XXXX regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
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. (AZ)

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, Account name : XXXX, Account name : XXXX Account name : 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 2024-10-02
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: Experian Information Solutions Inc. (NC)

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.