davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, 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)

I sent a letter out on XXXX XX/XX/2023 and on XX/XX/2023 to XXXX, Transunion and XXXX. Here is my tracking number most recent track # XXXX XXXX track # XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. Everytime i call they tell me can't find my paperwork. This is not making any sense. 

According to the law 15 U.S.C. Code 1681 ( i ) - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-10-31
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. (DE)

Today, I was deeply frustrated to discover unauthorized inquiries on my credit report, and I have no idea why theyre there. I check my report often, and this time I found discrepancies Ive never seen before. Even after refreshing my browser, the unauthorized entries persisted. I am requesting a detailed review of the documents I sent to prevent any future issues.
Consumer complaint received 2024-10-31
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. (GA)

I have attached the proper information to display the balance with XXXX XXXX is now XXXX. I am requesting that my credit profile is accurately updated to reflect the balance of XXXX. I have made all payments with XXXX and XXXX, who purchased the debt from XXXX XXXX. I have also attached copies of letters they've sent me via mail displaying what they were deducting from my account. This is to verify that XXXX and XXXX stated they are representing XXXX XXXX. I have also attached the billing statement displaying what has been deducted from my account which is the final payment needed to zero out the balance with XXXX XXXX.
Consumer complaint received 2023-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-31
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. (MO)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2019-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have an account with Bank of America and a credit union. I paid for a money order so the funds would be secured and released sooner. The bank put an 11 day ( 7 business day ) hold on the funds. I called the bank on XX/XX/XXXX asked to speak to a supervisor 3 times the rep would put me on hold then come back and just start taking again without any explanation why I couldnt speak to a supervisor. She finally said the credit union stated they wont release the funds for the 11 days. I called the credit union and they said that is false and they were willing to verify funds with someone from Bank of America. I called Bank of America back on Saturday spoke to a manager who said a rep from the credit union isnt sufficient for them to release the funds. She stated its their right to put a hold on the funds. She stated its a different kind of check then I normally  deposit. I corrected her stating I deposit money orders frequently and have never had this issue. The last two were a few weeks ago in the 800 dollar range and I didnt have this issue. I asked to speak to whomever is above her. They werent available today and would call me back Monday or Tuesday she said but they will tell me the same thing. I explained my biggest issue is I know it will only take a couple of days for them to receive the funds but they still wont release them to me until the XXXX. She said this is true. I explained my bills will be late by the XXXX and then I will have fees. She was unmoved. I also stated the reason I paid for the money order is because it is secured funds so I wouldnt have to put up with this. She wouldnt budge.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MN)

Equifax refuses to let me manage my own information. I have submitted disputes that were approved and had accounts fall off of my account. At a later time they have added these accounts back to my credit report after found to be fraudulent/and or following policies that are against the law. 

Now they have stated they have a system issue which has been ongoing for 7 months which is there excuse for why I can not login to myequifax. I have been told this about a half a dozen times and promised they would fix this and make it right. 

They have repeatedly made promises to me that have been nothing but lies such as when accounts were to fall off my credit report, ( stated automatically after 10 years an account would fall off, I have accounts over 11 years old they refuse to remove ), and have since PROMISED they would get the issue fixed as to why I can not login and submit disputes via my equifax. 

I do not think it is right for a company like equifax to manage a file on someone that they have no control over. There stance is if I don't like information they have on file for me to take it up with the company reporting to them. It's my life and should be mine to manage, not a credit reporting agency who profits over doing nothing but causing headache and pain for consumers.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I certified mailed Transunion advising them they violated my federally protected rights on XX/XX/XXXX ( tracking number # XXXX XXXX XXXX XXXX XXXX ) and 2nd request on XX/XX/XXXX ( tracking number # XXXX XXXX XXXX XXXX XXXX ). Transunion did nothing to resolve request and We cant find any recently completed disputes. The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. ) Account XXXX : XXXX XXXX Account XXXX : XXXX XXXX. ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. ) Account Name : XXXX XXXX, XXXX Account Number : XXXX XXXX. ) Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. ) Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$310.00} XXXX. ) Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$55.00} The Fair Credit Reporting Act 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. 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 7 years.

15 U.S.C. 1681s-2 ( 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 accurate.

15 U.S.C. 1681g. Disclosures to consumers ( a ) information on file ; sources ; report recipients ( 1 ) All information in the consumers file at the time of the request, except that nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit a scores or any other risk scores or predictors relating to the consumer.
Consumer complaint received 2023-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my account with your institution, [ Account Number ]. I have noticed several discrepancies on my credit report and would like to dispute the information being reported by your company. 

Firstly, my account with XXXX XXXXU [ Account Number : XXXX ] was reported as having a late payment. However, I have never missed a payment with this institution and this late payment is not accurate. 

Additionally, I have a collection account with XXXX [ Account Number : XXXX ], which I have no knowledge of. I would appreciate it if you could provide me with more information regarding this account. 

Furthermore, I noticed that XXXX XXXX XXXX [ Account Number : XXXX ] and XXXX XXXX [ Account Number : XXXX ] were both reported as charge off accounts. I had previously worked out payment arrangements with these institutions and was not informed that they would be reporting my accounts as charge offs. 

Moreover, the account with XXXX [ Account XXXX : XXXX ] was reported as a charge off account as well. However, I had been making payments towards this account and was not informed that it would be reported as a charge off. 

Lastly, I have noticed collection accounts with XXXX CREDIT [ Account Number : XXXX ], XXXX [ Account Number : XXXX ], and XXXX XXXX [ Account Number : XXXX ]. I have no knowledge of these accounts and would appreciate any information you can provide. 

I would appreciate if you could investigate these discrepancies and make the necessary corrections to my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I have been billed monthly by TransUnion for over two years. I signed up for a trial and it has been difficult to end it. Calls are put on hold for hours. Their text service gives a " sorry it's taking so long " message. When I finally got through on XX/XX/2023 they denied I have an account. I have now blocked them on XXXX from charging my account again. But I am concerned with what they can put in my credit reports. The whole time one is on hold they try and sell you more products. This seems set up to allow them to charge people and not allow cancellations.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

I have an escrow account with US Bank Home Mortgage to pay property taxes and property insurance. US Bank failed to make the payment on its due date ( XX/XX/XXXX ) - I talked to them 3 times and was assured the payment will be paid, it is 2 weeks past due now. There is no sense of urgency from US Bank to resolve the issue even though they were informed that I have notice of cancellation from the insurance company. 

XX/XX/ : Contacted US Bank regarding insurance payment - I was told that no premium notice has been received even though XXXX XXXX had sent 2 premium notice. I was told that the address on the premium notice was incorrect - US Bank never notified me about change of address. 

I was told to upload the premium notice through ihaveinsurance.com/usbank - the document was uploaded on XX/XX/2019 XXXX XXXX PST XX/XX/2019 : Called US Bank as no payment was made. US Bank representative confirmed the premium amount & address and assured me that payment will be processed the same day. The representative was informed about the notice of cancellation.

XX/XX/2019 No payment made - called US Bank again- the representative told me that we don't have premium notice, even though on XXXX they confirmed the premium amount. Talked to 3 different representative and all of them refused to resolve this issue. I was told to call back on Monday, XX/XX/XXXX and none of the representative were concerned that the insurance will be cancelled within a week.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (NJ)

In accordance with the Fair Credit Reporting Act this creditor Midland Credit Management violated my rights. The company reported late payment on my credit on or about XX/XX/2021. 

15 u.s.c 1681 section 602, states I have the right to privacy.

15 u.s.c 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instruction.

Under 15 u.s.c 1681 section 1666b a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE OF {$290.00}, {$1800.00}, {$180.00}, {$630.00}, {$240.00} Account Name : XXXX XXXX / Account Number : XXXX & XXXX / Description : XXXX XXXX XXXX XXXXXXXX XXXX Account Name : XXXX & XXXX XXXX XXXX Account Number : XXXX / Description : XXXX Account Name : XXXX XXXX/ Account Number : XXXX / Description : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX / Account Number : XXXX / Description : XXXX Account Name : XXXX XXXX XXXX XXXX / Account Number : XXXX / Description : XXXX XXXX XXXX This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards By provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX  enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

It has been well over 30 days and I have not received any proof of response to these alleged debts thus should be removed. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 

Best, XXXX XXXX XXXX
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  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 : states a consumer reporting agency can not furnish an account without my written instruction. 

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, 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 or has reasonable cause to believe the information is inaccurate.