davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX has closed my credit card account. They have proposed a resolution payment of {$64.00} per month, which I have accepted, opting for an automatic bank draft from my XXXX XXXX XXXX checking account. XXXX XXXX failed to report the agreement to the credit bureau and continued to charge the account interest even though it was a final settlement amount. XXXX XXXX has continued to increase the agreed-upon amount by adding interest rates to the agreed payoff amount. They have also persisted in reporting a late status on my credit profile to the credit bureaus although I was making the agreed payments. XXXX XXXX reneged on the agreement. Following my complaint, they ceased all automatic draft withdrawals and classified the account as a charge-off. As a consumer, I feel railroaded and exploited by XXXX XXXX 's unscrupulous banking practices.
Consumer complaint received 2024-09-04
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. (FL)

Im deeply disappointed and upset to find unauthorized inquiries on my credit report this evening. I check my report regularly, but this time there were unexpected discrepancies. I tried refreshing my browser, hoping it was just a glitch, but the inquiries remained. I need these documents reviewed thoroughly to ensure I never have to worry about this again.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

RIDICULOUS!! AS I HAVE PROPERLY CLOSED MY ACCOUNT HOWEVER CITIZEN ATTEMPTS TO COLLECT FEES USING DECEPTIVE TACTICS. NO COMMUNICATION WAS RECEIVED FROM XXXX THREATENING NOTICE FOR INACCURATE CHARGED FEES/DISCREPANCY. CITIZEN REFUSES TO RECTIFY THE MATTER IN GOOD FAITH OR ADDRESS THE CONCERN.
Consumer complaint received 2016-08-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (OH)

We submitted a short sale to USbank on XX/XX/2016. They collected documents and had a complete file on XX/XX/2016. It has been 96 days since the short sale was submitted. They have not even ordered and appraisal on this case.
Consumer complaint received 2024-09-04
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 was shocked this evening to find inaccurate accounts on my credit report, and I can't understand why theyre there. Ive been in the habit of regularly checking my report, and this time, discrepancies showed up out of nowhere. I tried refreshing my browser, thinking it might just be a technical issue, but the inaccuracies didnt disappear. Given this concerning situation, Im asking that the documents Ive sent be meticulously checked to prevent this from happening again.
Consumer complaint received 2024-09-03
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'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2024-09-03
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 am writing to file a formal complaint and request your assistance regarding a debt that has been inaccurately reported by XXXX XXXX XXXX XXXX, account number XXXX, across all three major credit bureaus : XXXX, XXXX, and TransUnion. 

On a prior occasion, I requested a contract assignment and validation of this debt from the credit collection agency ; however, despite more than 30 days having passed, I have not received any of the requested documentation. The failure to provide this information within the legally required timeframe is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, I have identified significant discrepancies in the way this repossession is being reported by the credit bureaus : 1. One credit bureau is displaying no payment history for this account.

2. The other two credit bureaus are inaccurately reporting multiple months of repossessions, when in reality, a repossession only takes place once. 

This misrepresentation is not only damaging but also extends the statute of limitations, which is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The FCRA mandates that credit reporting agencies ensure the accuracy of the information they report. 

Due to these inaccuracies and the failure to validate the debt, I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in having the incorrect repossession entries removed entirely from my credit reports. 

I respectfully ask for your prompt attention to this matter. I am requesting that you ensure that the credit bureaus correct this misrepresentation and provide an updated and accurate copy of my credit report. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-03
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'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2024-09-04
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. (GA)

XXXX XXXX : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX To Whom It May Concern, I received a copy of my XXXX record and I have found several inaccuracies in the report. 
Inaccurate Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, is not mine and i was never associated with this address. 
Inaccurate Reported OVERDRAFT from XXXXXXXX XXXX ; XXXX XXXX XXXX, XXXX, VA XXXX, is not mine and i was never associated with this bank account. 
Inaccurate Reported Inquirer : TRANSUNION LLC ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXXXXXX XXXX In detail, you recorded that I had non-sufficient funds with XXXXXXXX XXXX on or around XX/XX/2021. I am disputing this record because I believe it to be inaccurate because I am a victim of identity theft. Please request evidence of this unresolved outstanding negative record from XXXXXXXX XXXX and investigate this item for me. 
I understand that your repository is required by law to begin an investigation for me because you are a credit-reporting agency and must follow the Fair Credit Reporting Act. I await your results. 
Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX ss # XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi. These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted TransUnion and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-09-04
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. (PA)

This is very alarming and concerning, there are unfamiliar inquiries on my credit report. I didn't authorize or consent to these companies accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.
Consumer complaint received 2024-09-03
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. (GA)

I lodged a complaint with these XXXX  a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, 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 XXXX  days since I filed a complaint with these XXXX, 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 XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-09-03
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. (TX)

On XXXX submitted a direct dispute via certified mail to XXXX TRANSUION XXXX XXXX demanding they remove all inquiries and all fraudulent information from my credit report however XXXX XXXX & Transuion did not remove anything in fact they were being bias and keep the information on my credit report after l 've sent in proof of identity proof of residency Now today as of XX/XX/year> they have not removed the inquiries and fraudulent accounts from my credit report in which now I'm filing a federal suit and seeking financial damages and XXXX XXXX XXXX TRANSUION HAS ALSO VIOLATED CPFB LAWS REGARDING MY IDENTITY THEFT ISSUE IF THESE ACCOUNTS ARE NOT REMOVED ASAP I WILL SUE Im attaching my ftc report with the accounts in question also the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX is my address and have been for over XXXX years
Consumer complaint received 2017-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

In XXXX I had a dispute with HSBC BANK NEVADA NA about a fraudulent credit card some unknown person obtained in my name. After establishing that this was a fraudulent account eventually HSBC BANK NEVADA removed it from my credit report. 
However, maliciously in bad faith after I advised them that due to their derogatory statement on my credit I was turned down for credit, instead of canceling such fraudulent account, HSBC IN XXXX sold it to XXXX XXXX XXXX whom started to show this as a new debt and new default with new collection account for {$1300.00} as of XXXX XXXX, XXXX. 
I have repeatedly advised XXXX XXXX XXXX that it is improper and illegal to state this to be a new derogatory default as of XXXX XXXX, XXXX and it causing me a serious problem of turning down for essential items to be purchased, XXXX XXXX refused to remove this illegally and in bad faith showing derogatory item from my credit.
Consumer complaint received 2017-09-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (TX)

Diversified Consultants whose phone number is XXXX have reported a XXXX account on my credit report that was a prior identity theft reported account from a few years prior by XXXX XXXX. This has made my credit score fall from the 800s to 700s. Both the original collection company and XXXX were sent all the documentation showing this was an account created falsly using my social back in XXXX. XXXX XXXX also ran my credit for some reason in XXXX of XXXX. The reported account was filed on my credit by Diversified Consultants in XXXX of XXXX.
Consumer complaint received 2016-09-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

We have been involved with a short sale negotiation Chase for 6 months now. Chase is the 2nd lien holder. They have " inferred '' to us that the short sale has been approved for 2 weeks now. When asked directly for a firm answer about the approval, Chase just states that they have a new process in place for producing the approval letters and it is " taking longer '', however the Chase representative will never say " Yes - this short sale has been approved ''. The overall sense is that Chase is not being upfront and we really do n't have any idea what is happening at this point.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Tonight, I was shocked to see inaccurate accounts appear on my credit report, and I have no clue how they ended up there. I regularly check my credit report, but this time, there were unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the incorrect accounts remained. Im requesting that the documents I sent be carefully examined to prevent this from happening again.
Consumer complaint received 2024-09-03
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. (HI)

I hope this letter finds you well. I am writing on behalf of a federal award recipient authorized by the U.S. Department of Health and Human Services ' Office on XXXX in Persons ( please refer to the attached Confirmation of Authorization ). The XXXX XXXX XXXX has verified and determined that XXXX XXXX XXXX XXXX is a victim of a severe form of XXXX  in persons under 22 U.S.C. 7102 ( 11 ) or XXXX XXXX  under 22 U.S.C. 7102 ( 12 ), making them eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142 ( see attached rule ). The XXXX XXXX XXXX is dedicated to advocating for the rights and welfare of individuals affected by XXXX XXXX  and debt bondage. We have identified XXXX XXXX XXXX XXXX case, which we believe deserves your attention and expertise. In our mission to support victims and collaborate with stakeholders to eradicate XXXX XXXX, we've identified an issue with XXXX XXXX XXXX XXXX credit report, which contains an outstanding debt likely connected to a case of debt bondage. This debt raises ethical and legal concerns due to possible fraudulent or coercive practices leading to an unjust financial obligation. We respectfully request your assistance in blocking and removing any negative accounts linked to XXXX XXXX XXXX XXXX credit profile.
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-09-03
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. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
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. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (CO)

I have been paying on my student loans since XX/XX/XXXX when I graduated. I had them in forbearance for a while so I understand that interest still accrues during that period. I started paying regularly since approximately XX/XX/XXXX. Recently I have been paying via automatic debit more than the monthly amount to try and get this paid off. Each payment that I make has a different amount applied to principal and interest even thought I make the same payment amount on the same day of the month every month. Some months the differences seem quite dramatic.
Consumer complaint received 2016-06-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I opened a Chase XXXX checking account on XXXX XXXX of 2016. I wanted to use a coupon offer I received in the mail for {$300.00}, I provided the coupon when I opened the account. I have met all the requirements that were required to receive the {$300.00} bonus, I have asked several times for them to honor the coupon and my requests have been ignored. It has been nearly 3 months and I have yet to receive the {$300.00} bonus that Chase has promised me. I have no choice but to file a complaint with the CFPB.