davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-18
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. (WA)

I have emailed, mailed, and called XXXX XXXX XXXX regarding payments on my account that were deffer ed and under forbearance, they were NOT LATE. I have proof via email from XXXX to show that I was approved for Deferment due to still being in XXXX XXXX. 

I have try to reach out to XXXX, and Transunion several times, to dispute this error which shows a late payment of 120 days. I have sent over proof to both company 's including XXXX to take off the late payments of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which are false because I had already gotten the student loan deffer ed and I have proof via email, still nothing has happen and the late payments still show.

Please remove these late payments off my credit report from XXXX. The months that are showing this are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

I am attaching proof of this as well. Thanks again
Consumer complaint received 2018-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC. (MA)

I got a credit card with XXXX XXXX XXXX in XX/XX/XXXX. I am not sure when they sold it to a collection agency since it's XXXX and they told me XXXX representatives are the same as XXXX. When I called to square up the account they told me '' In XX/XX/XXXX I could pay to remove any negative information on my reports ''. I asked them how much they told me {$210.00}. I paid it and as they said my account became current and I had a perfect payment history on my credit reports. So I refinanced my car loan and got a credit card with XXXX. So in XX/XX/XXXX I had a XXXX  credit score Fico XXXX. XXXX XXXX   reporting 0 missed payments. Then my score drops 130 points in XX/XX/XXXX with negative XXXX XXXX info. Then jumped back up to XXXX   showing again perfect payment history before dropping to XXXX   in XX/XX/XXXX when the collection and failure to pay showed up for the month of XX/XX/XXXX.

First of all the account was paid off in XX/XX/XXXX and in XX/XX/XXXX reported this way, so how I failed to pay in XX/XX/XXXX is not understood.

It now shows paid in settlement for less than the full balance/ charge off collection/ Depending on the time and which report I look at I get changing information and Impossible information, such as a 60 days late the month after a 60 days late.

I wish someone could clean up the mess of a company they are.

I was in good standing with my credit union getting the best pre approvals and app. Now I can't even get a credit card or increase.

I wouldn't have put myself in debt if I knew my credit information could report different inaccurate information. At different times..

So much more to explain how they took advantage of me and said '' good luck in court '' All 's I asked was can we hear the recorded agreement of the pay to remove. Wich I made sure to ask if the conversation was being recorded, so I was told to get a lawyer. Please help
Consumer complaint received 2018-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (NY)

I was offerred a balance 0 % balance transfer and transferred {$6000.00} on XX/XX/XXXX. Terms and conditions offer 5-7 business days. When it had not posted on after the XX/XX/XXXX, I called to ask that the request be voided and was told that the funds would post the following day XX/XX/XXXX. A week later it still had not posted and Discover admitted this had 'been mishandled at every step. ' The {$6000.00} had already been debited from our account so it could not be reprocessed until they 'found the original {$6000.00}. ' The process required a total of 35 calls, most with the executive office who left me 2-5 voicemails a day requiring me to call back. Throughout, my bank, XXXX offered to speak with Discover to get the funds transferred electronically and immediately and even offered to cover expedited shipping of a paper check as our account was now overdrawn but Discover refused all of XXXX 's efforts to resolve quickly and the process took an additional several weeks. 

For the first time in our lives, we bounced a rent check, a health insurance payment, and even a check to one of my employees with substantial fees for each. Worst of all, our bank is now holding all deposits for 7 days because of the overdrawing that occurred and will continue this policy for 6 months or until we have no further bounced checks. 

In short, we planned to have the {$6000.00} in our account after Discover provided the date that the funds would be available and when the funds became 'lost, ' we assumed Discover would be reimbursing those fees if not for the 7 hours of time on the phone this has now cost us. Their refusal to work with XXXX to resolve quickly was unconscionable as well. 

It was only today that the executive office notified us that they believe this is an acceptable customer service experience and will not be providing us with even a courtesy credit for our time nor will they cover the fees incurred because of the blatant misinformation provided by their reps.
Consumer complaint received 2018-07-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/XXXX I was notified of yet another fraud entry of a debt on my transunion credit report.. I attempted to file a dispute and it does not allow a explanation for your dispute.it appears it goes to a third party and your restricted by less then 20 words to explain your dispute..insufficient as it allows only 2 sentences to address complaint and dispute. THe next complaint pursuant to FCRA where a credit reporting company can only accept a debt for collection if it was a agreement to pay debt, a contract or a judgement was enter none of these exist from receivable performance mgt ..This collection company is not only not authorized to collect any debt, but fabricated a debt and did great harm to my credit. That I never had a debt with XXXX XXXX, nor did I pay bills to XXXX XXXX, nor did I have a contract with XXXX XXXX..XXXX XXXX is where I had a financial relationship with for a year. XXXX XXXX informed me that XXXX XXXX been paid in full and in advance That this collection is a fraud and without merit. Transunion must act immediately there is no grounds or justification to enter a fraud entry on my credit report with out proof of debt, or even if they are in compliance with federal and state laws.Transunion failed to come into compliance with FCRA and should be held accountable.
Consumer complaint received 2018-08-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (NY)

i asked for verification of debt certified mail to the collection company security credit services and in a return letter that they sent me there was not a copy of my E-signiture that validates this debt.im asking and request a copy of my E-signiture showing that this debt belongs to me, and if one can not be provided that it be removed off my credit report.enclosed is a copy of letter they sent me.
Consumer complaint received 2024-11-05
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)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-11-05
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 -- - UNAUTHORIZED INQUIRY 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-11-05
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. (MI)

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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( 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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date.

The items below should all be updated to paid as agreed on my consumer report.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-11-05
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (PA)

I have been trying to get our mortgage with US Bank modified for over 2 years. We apply for the modification and a round about ensues every time. We give them the application, they ask for documents, we send documents. They say they need more documents, again and again until so much time has passed that the first documents we sent have expired and we are advised to start the process over. We then eventually get denied but ask to appeal because they deny based on inaccurate information. We try to appeal and they tell us we're better off just reapplying. We are in the process of applying again. The person working our case is horrible. She barely responds to email, and when she does it is almost impossible to understand what she is saying. She often sends blank emails or doesn't answer my questions in the emails she sends. I even have a lawyer and they continue to play around with us. We fell into hardship when my son was born with multiple XXXX. We lost our jobs while he was undergoing XXXX treatment and have not been able to hold full time jobs since. I believe that US Bank is discriminating against us for this reason. We now get social security for my son and although money is tight, we could be paying our mortgage. I think US Bank would rather see us put out on the street than allow us to remain in our home.
Consumer complaint received 2018-07-13
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: Continental Finance Company, LLC (TN)

This complaint is associated with complaint # XXXX and XXXX. Continental Finance and XXXX XXXX revolving account has not giving me a reasonable answer as to why my payment to this account is not being reported in a timely, accurate manner. I have spoken with Continental Finance/XXXX Credit Card and XXXX repeatedly about this concern. I finally was able to speak with XXXX at extension # XXXX from Continental Finance. He had reached out to the Continental Finance/XXXX Credit Card department that handles disputes, complaint, and reporting agency issues, on my behalf. He followed back up with me today XX/XX/2018 to tell me that XXXX needs to unfreeze my tradeline because any dispute that I have open will cause my file to not be updated. He explains that this is what has happened in the last three months. My disputes in the past has caused the credit card company and XXXX to block any updates to my account. Continental Finance/XXXX has confirmed this issue is due to XXXX XXXX system and XXXX has confirmed that the an issue is with Continental Finance 's system. My account has not been update with my XXXX credit report since XX/XX/2018.
Consumer complaint received 2018-08-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JPL Recovery Solutions (GA)

A guy named XXXX XXXX called me from XXXX ext XXXX asking where to serve garnishment paperwork for one of my employees. I gave him the address and phone number to our corporate office where that is handled. A couple hours later he called back 6 times in a matter of 10 minutes using 2 different phone numbers.
Consumer complaint received 2024-11-05
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)

My account with XXXX XXXX TRANSUNION 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 XXXX XXXX before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX XXXX 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 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint against XXXX, TransUnion, and XXXX for allowing incorrect reporting by XXXX. XXXX regarding my mortgage account ( Account XXXX : XXXX ). My loan, transferred from XXXX, was in an active forbearance due to hardship and hurricane impact. Despite this, XXXX. XXXX reported my payments as XXXX days late, which was reflected in all three credit bureaus. 

Key Facts : My forbearance agreement with XXXX ensured my account would not be reported as delinquent during the forbearance period. 
XXXX XXXX 's late reporting contradicts the guidelines under the FCRA for accounts in forbearance due to financial hardship.
Consumer complaint received 2024-11-05
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)

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.