davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 reported in to be removed.

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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!

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX XXXX XXXX Credit Bureau Subject : Request Regarding Late Payment Reporting and Account Closure Dear Sir/Madam, I am writing to formally address an urgent matter regarding my account with XXXX XXXX XXXX XXXX XXXX with a balance of {$4100.00}, and its reporting to XXXX Credit Bureau XXXX 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), it is required that all creditors report accurate information regarding consumer accounts. As such, if I have met all necessary obligations and have formally requested the closure of my account, it should not be reported as late.

I have fulfilled all requirements per federal law and have actively sought to close this account. If for any reason the account can not be closed as per my request, I assert that it should not reflect any late payments on my credit report, as my compliance with regulations should protect me from negative reporting due to circumstances surrounding the accounts closure.

I request confirmation that my account will be closed as requested or, alternatively, that you will cease reporting any late payments associated with this account. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-27
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. (NY)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I have not supplied proof under the doctrine of estoppel by the XXXX XXXX. V gravens ( mo ) XXXX XXXX presume that no proof of the alleged debt. no, nor therefore, any such that in fact exist. ( please remove this account before I see litigation for determination of character. ) XXXX XXXX XXXX balance {$140.00}.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-08
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: Experian Information Solutions Inc. (NY)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items.
Consumer complaint received 2024-11-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

We signed paperwork adding my name to an account back in XXXXXXXX XXXX XXXX at the bank branch, and it was confirmed it was done. This however never happend until XXXXXXXX XXXX XXXX. I was told that this was a negligent part by them. This is affecting me obtaining a mortgage now because the account was not in my name for atleast 60 days.
Consumer complaint received 2024-11-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I opened an account with Bank of American via the online application process on XXXX XXXX and also deposited {$25.00} to the said account. I received an email stating my application has been approved. I also enrolled for access into the online banking application. During the last week of XXXX I could not log in into my online banking application and it said my account doesn't exist. On XX/XX/XXXX I call the bank to check why I'm not able to access the account, only to understand that my account has been closed. 

On XX/XX/XXXX I receive a letter from the bank that they have decided to close the account as they are unable to verify my identity and that I have been reported to XXXX XXXX and XXXX XXXX XXXX and will have trouble to open an account for the next 5 years. 

I call the bank on XX/XX/XXXX to understand more. I was told that being a new customer the bank does not take any additional steps to verify consumers and merely closed the account and reports to XXXX and XXXX XXXX XXXX 

This is a serious flaw in the Bank of America online application process that approves applications without proper customer identification or background check. The verification, as I understand from my experience, is done days after the account opening. 

The deficiency in application is not communicated to the customer nor are they given a chance to respond or remedy the deficiency identified. The account is merely closed and the customer is logged out of the application, unaware of why he or she is logged out. The customer gets the information on account closure by postal mail days after the account is closed. The letter states that not only does the bank close the account but also provides a negative report to XXXX and XXXX XXXX XXXX 

So to summaries - I, as a customer of BoA, followed all steps in the Bank of America website for a online banking application, only to be reported to XXXX and XXXX XXXX XXXX because the bank has not followed proper steps to verify the customer identity at the time of accounting opening. 

Please look into the application process of BoA.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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 30-day 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Unknown Account Number : XXXX
Consumer complaint received 2024-11-18
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: TrueAccord Corp. (NY)

I am writing to formally lodge a complaint against True Accord, a debt collection agency, regarding a series of payments I made to settle my balance owed to XXXX. Despite making all required payments and clearing my balance in XX/XX/2024, XXXX has informed me that they have not received the final payment of {$130.00}. 

I have attached receipts for all three payments I made to True Accord as evidence of my compliance with the agreed-upon payment plan. These receipts clearly demonstrate that I fulfilled my financial obligation to settle the debt. However, XXXX continues to report that they have not received the final payment from True Accord. 

When I contacted True Accord to address this discrepancy, I was told that they would investigate the matter and call me back. Unfortunately, I have not received any follow-up communication or clarification from their team, despite reaching out several times. It is now XXXX, and the situation remains unresolved. 

This delay and lack of transparency have caused me significant frustration and concern. I am left questioning whether True Accord has misappropriated my funds or is neglecting their obligation to forward the payment to XXXX. 

I kindly request your assistance in investigating this matter. Specifically, I am seeking : 1. Confirmation of whether True Accord has transferred my final payment of {$130.00} to XXXX. 
2. An explanation for the delay in resolving this issue. 
3. Assurance that my payments are being handled properly and that any discrepancies will be rectified promptly. 

I appreciate your time and attention to this matter. Please feel free to contact me at XXXX or XXXX if you require additional information or documentation. My account number with XXXX is ( XXXX ) Thank you for your support in ensuring a fair resolution to this issue.
Consumer complaint received 2024-10-27
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. (NY)

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit TransUnion permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights.Please remove the inquiries from my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-27
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)

This account was opened on XX/XX/XXXX, was charged off and closed on XX/XX/XXXX. The account is NOT in COLLECTION. By the result of your last investigation TransUnion verified that XXXX continued to make Collection on this account after the Charge Off. The date of last payment being XX/XX/XXXX. I request to see the Legal authorization by which XXXX serves as a Collector. I also request to see the Legal authorization of XXXX to engage in Double-dipping. This illegal and unethical practice has violated my consumer rights.
Consumer complaint received 2024-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is withholding and delaying my direct deposit arbitrarily or in an attempt to make money off of the interest. I'll explain. 

I have been a Bank of America customer for 20 years, and an employee of the XXXX XXXX XXXX XXXX for 9 years. I get paid a state issued wage via direct deposit on the XXXX at XXXX or earlier if it's a weekend or a holiday. I also get a mid month overtime state issued check wages, sometime between the XXXX and the XXXX. Bank of America says the deposits are usually available next day, usually XXXX before XXXXam, no later than XXXX EST. 

However, I'm finding over the last XXXX years, and specifically the last month and this month ; Bank of America is holding my mid month overtime check for XXXX days. Last month, it was 5 days. This month is 2 days and counting. 

I have repeatedly complained, and have spoken to several people via email and over-the phone ; they just tell me that direct deposits are held if they're not sure about the sender. That's not truthful, I work for the XXXX government and have done so for 9 years.
Consumer complaint received 2024-10-26
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. (SC)

I am writing to dispued hard inquiries on my credit report that were made without my consent. According to section 604 of the fair credit reporting to section 15U.S.C 168 1B, THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I did not authorize these hard inquiries and can not find any permissible purpose under this section that justifies their presence on my report, PLEAS DELETE HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-26
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. (GA)

The Credit bureaus stated my account was properly investigation but how is that possible if the balance, status of account, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To whom it may concern, This letter is a formal complaint that you are reporting inaccuracies and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about when the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email fraudulent accounts. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/accounts. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed below. 
Creditor Name : XXXX XXXX XXXX  - Account Number : N/A Creditor Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Creditor Name : XXXX XXXX - Account Number : XXXX Under Federal Law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2024-10-26
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)

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX presume that no proof of the alliged debt, therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX 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 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am not liable for this debt with XXXX XXXX. This account was purchased by this person, as person is defined by the Fair Credit Reporting Act. I do not have a contract with XXXX XXXX and it's subsidiary XXXX XXXX XXXX XXXX. I was not provided the original contract, I signed in agreement as I requested, as this account was purchased. The account contains multiple errors in reporting pursuant to 15 USC 1681 ( e ) ( b ). In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer right to privacy and confidentiality pursuant to 15 USC 1681. 
XXXX XXXX XXXX : # XXXX has violated my consumer rights.

15 U.S.C. 1681 section 602 ( a ). States that I have a federally protected right to privacy.

15 U.S.C. 1681 section 604 ( a ) ( 2 ). States a consumer reporting agency can not furnish information contained in my consumer report without a written statement of permissable purpose.

15 U.S.C. 1681c ( a ) ( 4 ) ( 5 ). States, except as authorized under subsection ( b ), noconsumer reporting agencymay make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other thanrecords 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.

12 CFR 1006.34 1006.34 Notice for validation of debts.

( c ) Validation information.Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

( 1 ) Debt collector communication disclosure.The statement required by 1006.18 ( e ).

Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure.

( 2 ) Information about the debt.Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.

This account has been extremely damaging to my livelihood, and general mode of living. I have a special needs child that requires special in home equipment, and a XXXX with a lift. I am not able to receive the necessary financing because of the hindrance of this account. This is directly effecting the livelihood of my family, and is in direct written violation of the Fair Credit Reporting Act.