davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-29
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. (TN)

I am submitting this CFPB complaint in response to the recent investigation. I do not agree with the findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question : XXXX XXXX XXXX Balance Owed : {$320000.00} XXXX XXXX Balance Owed : {$9.00}. The dates of missed payments reported by these accounts are flagrantly incorrect. I have submitted concrete evidence that clearly demonstrates the inaccuracies in the reported dates. In accordance with the Fair Credit reporting Act, I demand the Credit Bureaus to fix the error on the payment history and update the account for lawful accuracy. As previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update or these disputed accounts
Consumer complaint received 2023-05-27
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. (NY)

Are you familiar with something called 15 U.S.C. Section 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.

15 U.S.C 1681 section 2. ( 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2023 I Sent XXXX XXXX XXXX, a certified letter through USPS requesting Validation of debt for account number XXXX in the amount of XXXX XXXX and XXXX XXXX Dollars as reported on my Credit Report, as of XX/XX/XXXX Credit Collection has failed to Validate that debt for account number XXXX in the amount of XXXX XXXX and XXXX XXXX Dollars, Further more XXXX XXXX XXXX has violated FDCPA section 1692E ( 8 ) failure to mark my Experian, XXXX and XXXX account Disputed during the period of XX/XX/2023 to XX/XX/2023. 

I've downloaded through CFPB Portal Proof of the USPS Certified mail, date when it was sent and date when they signed for it. 
Note : I sent two letters asking to Validation debt letters to XXXX XXXX XXXX, one is for account number XXXX in the amount of XXXX XXXX and XXXX XXXX Dollars, And the other is XXXX for XXXX XXXX and XXXX Dollars, That I've recently disputed for the same issue.
Consumer complaint received 2023-05-27
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. (NC)

I submitted a request 3 times on this account to verify the information. I asked that information be sent to me and i have not received a response from this creditor. I sent the first request in XX/XX/XXXX, then again in XX/XX/XXXX and the most recent request was XX/XX/XXXX. I dont receive any response but it keeps updating to my credit on TransUnion XXXX XXXX and XXXX, as a charged off account. Since the account is charged off, by law, the lender must file Form 1099-C and send me a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1 ( IRS 2021 publication ). The following creditors are showing as charged off and I have not received any responses and the charged off balances are more than {$600.00}. I am requesting to have this removed from all credit reporting agencies immediately. 

XXXX XXXX XXXX Charged OFF Date XX/XX/XXXX Balance {$2000.00} XXXX Charged OFF Date XX/XX/XXXX Balance {$610.00}
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

My name is XXXX XXXX, SS # ***********, I was receiving a down graded report from mostly all creditors, down grading my credit capacity, and stated that their was an adverse action or issue on my credit, so I order for a copy of my credit report, lord on behold i saw a XXXX stating that i owe XXXX {$380.00}, This same issues have been debunked, and has been removed from my account three times now by Trans Union, this company always put this in my record every other year for what I dont know, i have not been with XXXX for more than 10 years now, and i have disputed all of their charges with proper documentation, and i thought it was behind me. and I told Trans union that these people should not be allowed to mess with my account again, but now they were still able to do it over again, and was allowed, and their respond this time states that it was verified, and that it will stay on my account for some years, This same credit company has removed this from my account 3 times now they stated is verified, and they never showed me their verification, the The credit bureau has messed up my credit rating by allowing this company to keep coming and going out my credit report to mess up my credit rating, I do not owe XXXX a penny, at the time i was with them i upgrade my old phone, but after i received the phone it was not what i expected and i returned it to their store with 2days of receiving the phone, and they kept charging me for the upgraded phone which i have returned to them i send them the receipt that showed that the phone was returned to their store still they kept charging, so I cancel my contract with them. now after over 10years they still continue to claim I owe them which i did n't. 
now the collection company send me a letter that they will stop the collection action, but the credit bureau still did n't remove it out of my record, This is total injustice, that this bureau can allow this company to go in and out of people record with no credibility to substantiate their claim nor a court judgement. Please check my credit record I am 100 % in my payment history never been late nor skip payment.
Consumer complaint received 2023-05-27
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. (PA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2015-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A legal item has appeared on my TransUnion credit report, a {$1900.00} small claims judgment through the XXXX XXXX XXXX XXXX ( Michigan ) small claims court, reference number XXXX ( this is all in the public record, no personal info ). I called the court using the contact information provided and after the usual debacle of bureaucracy spoke to a very helpful clerk who was able, at last, to pull the relevant file. It appears this is a judgment against a XXXX XXXX with no DOB or other identifying info made back in XX/XX/XXXX. She dug deeper and found the court attempted to garnish wages from the Department of XXXX, but received no response from that institution and the case just sort of died there. 

My name is also XXXX XXXX. I did indeed live in XXXX for one year, from XX/XX/XXXX to XXXX of this year, but in XXXX XXXX ( XXXX XXXX ). This is clearly a different XXXX XXXX, but for some reason this item has started appearing on my credit report. I would like this corrected immediately but gave up after almost an hour on hold with TransUnion. I do n't really have the time to actively pursue this at the moment ( I work as XXXX ), so I thought enlisting your help might be more efficient ( I remembered this agency because I was a candidate for XXXX of your fellowships earlier this year ). 

Thank you in advance.
Consumer complaint received 2023-05-27
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: Experian Information Solutions Inc. (PA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2017-01-03
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ACS Education Services (MA)

As a result of ACS ( student loan company ) not taking care of not removing an erroneous late payment my credit score went down. Even though my payment was made XXXX weeks before the due date and after speaking with a representative from ACS, they failed to make the necessary adjustment to my account but instead reported to the credit reporting that my payment was past due. In addition, when calling ACS you are put on hold for XXXX minutes to almost an hour before a representative comes on the phone.
Consumer complaint received 2015-08-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (FL)

I closed my account with XXXX years ago and I never heard anything about it, now out of no where I find out that some company " Enhanced Recovery Corporation '' is reporting a debt and affecting my credit. 

It is not correct and I will not pay for services I did not receive.
Consumer complaint received 2015-08-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: N.A.R., Inc. (UT)

I RECEIVED A LETTER FROM A COLLECTION AGENCY NAMED N.A.R.INC. FOR AN OUTSTANDING DEBT TO XXXX. I DID USE XXXX ON XXXX/XXXX/2012 WHICH I PAID IN FULL AT TIME OF SERVICE. I HAVE RECEIVED NO BILL OR PHONE JUST XXXX DAY I GOT A BILL SAYING I OWE XXXX DOLLARS TO N.A.R. SINCE THEN MY CREDIT SCORE HAS DROPPED FROM A XXXX TO A XXXX FOR A DEBT I DO NOT OWE. I GET NO RESPONSE FROM XXXX. THIS IS RIDICULOUS A COMPANY CAN RUIN MY CREDIT FOR A DEBT WHICH IS NOT MINE.
Consumer complaint received 2023-05-27
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. (GA)

In accordance with the Fair Credit Reporting Act, Item : Account listed as : XXXX XXXX  [ XXXX ] on the Transunion Credit report has violated my rights. 



15 U.S.C 1681 section 602 A states I have the right to privacy.

15 USC 6801 states that Credit Reporting Agencies have an obligation to protect non public personal information 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions the FCRA states that companies are obligated to maintain accuracy of all items reported. 

The information in this account are not only private but they have been reported INACCURATELY and the reporting of this information has damaged my ability to acquire funding and has greatly impacted my mode of living. 

I have communicated in writing several times with company and they have failed to comply with my written instructions, as well as failed to provided details of the results and methods of investigations. 


I contacted Transunion via letter on multiple occasions about beginning on the date of XX/XX/2022. I have attached some copies of some of my letters.
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

XX/XX/year> Contacted Capital One because my account was locked. I could log in but not access my account information. Could not make payment. I called and made a payment over the phone and asked what to do to resolve it. They said to send in Marriage certificate again and a W9. I did this according to their instructions. 
XX/XX/year> I called back to resolve account issues because they had not resolved the account being locked : SS # on the Spark Card XXXX. 
Said the SS # is XXXX SS Drivers license Mail to : Capital One Fraud Operations XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX Business Days Fax : XXXX Each Fax request should only recent one card number.

Phone fraud operations : n/a They will contact me via phone or email.

When I re-enroll I will have to set up paperless settings.

They are un-enrolling my online accounts. 


XXXX XXXX Spark XXXX  : Tech Issues Specialist Spark XXXX  : 360-provided code XXXX : provided code The following week I sent this to them via priority mail. 

XX/XX/year> I called back again to make payment and resolve issue with my account. 
XX/XX/year> - [ ] XXXX side representative - [ ] Transferring to the digital tech team - [ ] XXXX-escalating the XXXX because she couldnt make a payment. 
- [ ] Case # XXXX Both representatives were unable to process a payment for me because of the issue with my account. 
She said I would be charged a late fee because of it but that they would take care of me. 
I am contacting you for help because this is impacting my ability to do my business. One of the cards is for my company, XXXX XXXX
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2023, I reviewed my credit report from XXXX, XXXX and Transunion and noticed several accounts and inquiries that I did not recognize or authorize. I believe I am a victim of identity theft, and these accounts and inquiries are fraudulent. 

Attached are copies of my credit report highlighting the accounts and inquiries in question, a copy of my identity theft report, a copy of my FTC Identity Theft Affidavit, and proof of my identity. 

I request that XXXX, XXXX and Transunion investigate these matters promptly and remove these fraudulent accounts and inquiries from my credit report.
Consumer complaint received 2024-10-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX I Received an alleged debt collection letter from XXXXXXXX XXXX XXXXXXXX that I owe {$5400.00}. 
I responded on XXXX disputing and requesting for a validation letter not a verification letter for the alleged debt. 
2. Requested original contract showing I agreed to pay for the alleged debt. 
3. A copy of chain of title that grants XXXXXXXX XXXX XXXXXXXX authority to collect. 

On XXXX approximately XXXX XXXX there was a repetitive loud banging on my door which startled my family and I.. A gentlemen was there with a set of papers and didnt want to identify himself. At this time of the night to hear loud banging and not knowing who or why theyre at my house was a big concern since they didnt want to identify themselves. They threw the papers in front on my door step. I waited about 20-25 minutes for them to get into a white suspicious vehicle that finally took off. I opened the door again and it was a summons from XXXXXXXX XXXX XXXXXXXX. Im dont think those are reasonable hours for any type of business to send out their employees and harass people by aggressively banging on their doors.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Credit information on the consumer credit profile should be deleted since the account is closed XXXX XXXX XXXX # XXXX {$3500.00} XXXX XXXX XXXX # XXXX {$450.00} XXXX XXXX XXXX # XXXX {$500.00} XXXX XXXX XXXX # XXXX {$1100.00}
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NV)

I am looking over my credit report, and my credit age is being reported as only being XXXX months old. I have an account with XXXX XXXX XXXX, that is now closed, but that I had open for nearly XXXX years! With 100 % payment history at that, and I opened that account in XXXX. Screenshots will be attached. Misinformation on my report is hurting my score and leading me to many denials. Please fix this Im sure there is no way my credit age is XXXX months old!
Consumer complaint received 2017-01-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (OH)

My loan servicing was transferred from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX to Specialized Loan Servicing , LLC, effective XXXX XXXX, XXXX. This was stated in a letter from XXXX dated XXXX XXXX, XXXX. My understanding is that I was to have received notice from Specialized Loan Servicing as well at least 15 days before the transfer. However, as of today, XXXX XXXX, XXXX, I have received no communication from my new servicer. 

I called Specialized Loan Servicing today. After a 15-minute wait, I spoke with a woman who was very polite and helpful with information I asked for -- she gave me my loan number, confirmed the payment address, and said I should be receiving a " welcome packet '' in XXXX to 8 business days. I do n't require any action at this time. However, I thought it important to point out that the company did not meet the notification requirement for a loan servicing transfer.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX. I dont live at XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX CT XXXX, MN XXXX XXXX CT XXXX, MN XXXX XXXX XXXX XXXX XXXX, MN XXXX. Please remove all these addresses that dont belong to me. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681s-2 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 2024-10-16
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One Bank USA NA has reported the wrong balance on a tradeline with XXXX during a dispute. I have had a XXXX balance on my Capital One Bank USA NA credit card for several weeks. However, on XX/XX/year>, Capital One Bank USA NA reported that I owe them {$570.00}, which is inaccurate. Capital One Bank USA NA is also reporting an inaccurate second duplicate account ending in XXXX. Both inaccuracies reported by Capital One Bank USA NA is currently causing an adverse impact of a negative credit score with XXXX.
Consumer complaint received 2016-07-29
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I took advantage of a 0.00 % interest rate offer by my Bank of America credit card. When I did so, I in effect was waving having my 30 day grace period for interest to be charged on new purchases. I always pay my balances in full to avoid interest rate fees. I can no longer do that with Bank of America because I know have a 0.00 % promo in effect. What they do now is charge me interest based on the average daily balance, so no matter what I do I will be charged interest on new purchases. This was a classic bait and switch. It may have neen disclosed somewhere in small print on some XXXX page disclosure, but I was never made aware of this. XXXX XXXX and XXXX do not do this tactic when utilizing their promo offers. I will no longer use this Bank of America card for any purchases after today. I will still be subject to the Avegare Daily Balance Interest on purchases to date. I want a full refund for these interest fees and I want this practice stopped. How many people and fees have they collected over the years pulling this bait and switch. This is criminal in my book. I had to wait on hold for close to 30 minutes to finally get an explanation from Bank of America customer service. I have had this card since 1994 so I will not close the account, but I will use it at the bare minimum going forward from this day forward. I have no room for criminality.