davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-13
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX Account Name : XXXX XXXX Account Number : XXXXXXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2016-01-22
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a brokerage account with Merrill Lynch. Having sold my stock, I wanted to have the funds wire-transferred to my Checking Account with Bank of America on an urgent basis, to be able to make an unexpected payment on XXXX, which was subject to a penalty of {$170.00} past XXXX. I spent a good bit of time navigating the website, but there was no way to do this electronically/online. I called Merrill Lynch and was placed on hold for 30 minutes. I was unable to continue to hold and hung up. I tried again after 15 minutes, and was placed on hold for 2 hours. By then the office was shut for the day. I tried again on XXXX in the morning, and was informed by the automated system that the hold time was 3 hours! I kept holding, and finally had to hang up because I have a job. I then navigated the site, emailed and tried to chat with a live representative. I finally got through and asked for someone to contact me. A broker called me an hour later, and transferred my money. I immediately made the payment, but was charged {$170.00} in late fee charges. Since this issue happened due to delay in Merrill Lynch service, I consider this as a denial of service. If I had been able to transfer the money on XXXX, I would not have had to pay the charges. I therefore expect Merrill Lynch to reimburse me for this amount due to their problems.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I was one of the millions whose personal information was stolen from creditors databases, leaving me vulnerable to identity theft. Compounding this issue, major creditors reported inaccurate information on my credit report without proper verification. This has created significant challenges in addressing my credit status and has made it difficult to regain control over my financial well-being.
Consumer complaint received 2015-12-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

I am a victim of identity theft and fraud, There are a lot of fraudulent accounts and inquiries listed on all three of my credit reports ( Experian, XXXX and XXXX ). As well as my child support account being listed as behind, when I am current on my monthly payments.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion is reportiomg Inaccurate XXXX XXXX XXXX on my credit report. This record has been proven to be inaccurate.This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n. The filing date, case number and name of the Bankruptcy court are inaccuracte. According to 1681i of the FCRA, you must investigate my dispute and provide me with the results of your investigation within XXXX  days.Should you fail to do so, please be aware that I will consider pursuing legal action for willful noncompliance under 1681n of the FCRA. These errors appear to violate both the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance guidelines for accurate credit reporting. The inaccurate reporting is damaging to my credit score As required under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, you are obligated to report accurate and verifiable data. Because this bankruptcy information is inaccurate, incomplete, or unverifiable, I am requesting its immediate removal from my credit report.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IN)

On XXXX XXXX, XXXX, I received an email stating that my account was closed by Care credit/Synchrony Bank account . I spoke to a bank representative, who stated that my account was closed due to a student loan The representative also stated that XXXX sent them my consumer report just because. The student loan is in deferment until XX/XX/XXXX. On XX/XX/XXXX, I received a letter by mail that stated XXXX reasons as to why the credit card was closed it says delinquent or derogatory status on the account is too recent, not enough balance paid down over time on student loans, lack of first mortgage account information, and not enough paid down over time on installment accounts. I have never given Care Credit /Synchrony Bank permission to run my consumer report besides the first time I was approved for the credit card which was in the year XXXX. I have had this credit card for four years and have paid always on time before the balance statement date Leaving no outstanding balances. As of right now, this is discrimination Under the Equal Opportunity Act under Federal law, closing my account and running my consumer report without my permission is illegal. I should not have an adverse action because I have built and sustained creditworthiness with a stable credit increase with care credit since XXXX under my open-end consumer credit plan. I also had the same student loan when I initially applied for the card in XXXX, because of the Covid Act which was mandated under federal law, the student loan is in deferment which is federally protected. This is discrimination and I know this is a violation of Federal law. I am now aware that XXXX is receiving payments from Care Credit to hack into my consumer file for any given reason. Now my consumer report has dropped down on all three consumer reporting agencies due to Care Credit closing my credit profile which made my credit history not the way I built it to be. I have worked hard for my consumer report to be excellent and I plan on keeping it that way. XXXX should not be just selling my consumer profile to any company it is prohibited and against federal law.
Consumer complaint received 2024-11-13
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. (NC)

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681. 

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2. 

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-09-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

I had several conversation with AES/PHEAA regarding this loan, the reply from the company was a blank loan sheet. I've spoken to representatives stating " this is my loan and they have my signature attached to the loan agreement ", I requested the outline of the loan with my signature and was told due to the age of the loan everything was written instead of computerized so this was their only copy. Absolutely, does not make any sense! I've specifiied on many calls this loan is false and they're using previous loans that are already paid in full, and the account number for this is the same numbers used for the paid in full loans. XXXX will not provide me concrete information on this loan and stated " this will affect my credit report ''. The nursing school that's listed on this loan only stayed open for 2 years, criminal activity on Americans just trying to be successful in life.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states that i have the right to privacy 15 USC 1681 section 604/ section 2 also states that a consumer report agency can not furnish an account without my written instructions. Under 15 USC 166b 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 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$4000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$910.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$2800.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-13
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)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-09-18
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: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-11-13
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. (CA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (MA)

Theres an account on my Innovis credit report called XXXX XXXX XXXX XXXX XXXX individual XXXX  loan Account # XXXX that is in a charge off status that I want to dispute. The account was opened XX/XX/XXXX and was closed XX/XX/XXXX with XXXX term duration. I want to dispute this account for 2 reasons. The first being that I XXXX XXXX XXXX XXXX XXXX XXXX in XXXX but the credit report says that this account was opened on XX/XX/XXXX when I was not even in the school  at the that time. The second reason I want to dispute this account ending XXXX is because I had XXXX XXXX and a XXXX XXXX XXXX when I attended the XXXX XXXX XXXX. I did not take out any private loans for XXXX  XXXX. I also already consolidated all of my XXXX XXXX loans and my servicer for that is XXXX in accordance to the federalstudentaid.gov website. It also says that this account will be deleted on XX/XX/XXXX but it should be deleted now because I was not in the school when this account was opened. Im going to include my U.S. Passport, Massachusetts ID, Social Security Card and a copy of my Innovis Credit report to help prove that this account should be deleted from my credit report.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My account was never late! I have had exceptional payment history 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 to be updated. 


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!

Update the late payments from my consumer reports
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report due to a data breach. In accordance with my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these unauthorized entries be removed permanently. The following accounts and inquiries are not authorized by me and are the result of identity theft : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} XXXX - XXXX - XX/XX/XXXX - {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$450.00} XXXX - XXXX - XXXX XXXX, XXXX - {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - {$300.00} XXXX XXXX XXXX - XXXX XXXX, XXXX - {$660.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX - XXXX - XXXX XXXX, XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$24000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$570.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$530.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-17
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (AZ)

I received a letter from PHH mortgage on XXXX XXXX, XXXX  dated XXXX XXXX, XXXX  ( 10 days later ) stating they required flood insurance on my property and that they PLANNED TO BUY INSURANCE ON THIS PROPERTY AT A COST OF {$2200.00} which would be added to my reverse mortgage debt. I immediately called them and stated that I had an elevation certificate which said my property was in zone XXXX, was verified by XXXX XXXX XXXX, and I did not need flood insurance. The man was beligerent. I am suffering a subdural hematoma from a fall and got very very upset. He told me that the elevation certificate was not acceptable. He told me to call XXXX and get a XXXX XXXX XXXX, fill it out and return it to XXXX. He provided the wrong phone # for XXXX. The letter says I have 45 days to get flood insurance. I am currently XXXX and supposed to be resting at home and not dealing with this kind of stressful, mindless activity which delays my health in overcoming this hematoma. My doctor will verify this. 
I tried calling XXXX several times. The person said she would send me the form via email. She did not. I was sent a security message with the wrong phone # ( for me ) on it and could not change it to the right number to verify myself. So, I am unable to get the XXXX form and also believe PHH mortgage is causing me extreme stress because I do not need flood insurance and they are insisting I do.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. XXXX ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXX : XX/XX/year> NSS : XXXX SECURITY FREEZE
Consumer complaint received 2024-09-17
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: ALLY FINANCIAL INC. (AZ)

I noticed unauthorized inquires on my credit report, I sent emails and certified mail to the credit bureaus and the creditors. It has been more than 30 days and they have failed to respond and or remove the inquires.
Consumer complaint received 2024-11-13
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. (NY)

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.

These accounts and Inquiries have violated my rights. 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 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.