davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-06
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)

This is in regards to XXXX account # XXXXThe company XXXX sent me an email today stating the results of dispute number XXXX is complete. I checked the credit file and the information is still there. The loan has the same balance of {$2000.00} dollars and the type of loan states unsecure. I again filed another dispute today with dispute number # XXXX. I want this unsecure loan permanently removed from my file because this loan was paid in full in XXXX.
Consumer complaint received 2024-11-06
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. (NH)

On XX/XX/year>, ( CFPB Complaint # XXXX ) I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid identity theft affidavit, to prompt a complete and thorough investigation. 
However, in response, your agency has simply stated that the accounts in question were verified without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611.

FCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. Specifically, I demand that you : 1. Provide the source of information used to verify the accounts in dispute this includes identifying the furnishers or third-party entities contacted during your verification process, as required by law.

2. Confirm whether your agency contacted the Federal Trade Commission ( FTC ) regarding the identity theft affidavit submitted this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested items.
Consumer complaint received 2024-11-06
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. (NH)

On XX/XX/year>, ( CFPB Complaint # XXXX ) I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid identity theft affidavit, to prompt a complete and thorough investigation. 
However, in response, your agency has simply stated that the accounts in question were verified without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611.

FCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. Specifically, I demand that you : 1. Provide the source of information used to verify the accounts in dispute this includes identifying the furnishers or third-party entities contacted during your verification process, as required by law. 
2. Confirm whether your agency contacted the Federal Trade Commission ( FTC ) regarding the identity theft affidavit submitted this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested items.
Consumer complaint received 2024-10-29
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. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2018-06-11
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Medical Data Systems, Inc. (GA)

Continues to call after I've told them to STOP calling. I have now received FOUR calls since the last time I notified them to stop calling. Each time the agent who calls says this is the first time they've called, meaning them the person NOT the company. It's a lie and a tactic to skirt around the fact they've been told not to call. I have received no notice in the mail yet they continue to harass me via phone for collection. EACH person says they'll put it in their system not to call then proceeds to still harass me about the debt.
Consumer complaint received 2024-10-28
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. (TX)

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.

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 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2018-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

XXXX XXXX is trying not to give me credit for PSLF payments I made to XXXX XXXX XXXX XXXX XXXX. I made payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to XXXX XXXX to repay my student loans. XXXX XXXX asserts that I had no bills due during the above-mentioned periods. However, I received emails from XXXX XXXX advising me that my bill was due for those periods. I was set up for automatic payments and so my bills for these periods were paid automatically from my checking account. I've attached the emails sent to me by XXXX XXXX showing my billing statement was available and that the payments would be automatically withdrawn from my account. I've also attached a payment printout from XXXX XXXX that shows that payments were made on the above-mentioned dates. If no payments were due, then XXXX XXXX should not have sent me billing statements and withdrawn money from my bank account.
Consumer complaint received 2024-10-30
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)

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 2024-10-29
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. (MN)

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 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my person
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (TX)

I tried logging into my ally bank, and received a message saying my account was temporarily blocked. 

I called them, they asked all my security questions, but still didnt unblock my account. 

I explained that i am traveling to XXXX XXXX and i need to have access to my account or else i will have no way to buy anything there They didnt care even one bit. Just said that in 1-4 DAYS someone will call me back to determine whether or not its me. 

I asked to know if theres any way to verify my identity, and they were super rude and simply said they couldnt help the process to faster. 

They refused to tell me WHY my account was blocked, and refused to help me verify my identity in a fast way.
Consumer complaint received 2018-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Re Account ending : XXXX My XXXX account was charged numerous overdraft/extended overdraft fees, returned check fees, overdraft transfer fees as a result of a stop payment on a check issued by Capital One in the amount of XXXX. I have attached statement copies to this complaint showing a total of fourteen ( 14 ) overdraft fees, a returned check fee in the amount of XXXX, an overdraft transfer fee also in the amount of XXXX. The total is XXXX in fees, these need to be refunded back to my account, a check sent for difference. A XXXX XXXX with Capital One insists a second check issued in the amount of XXXX on XX/XX/XXXX, cashed by a XXXX XXXX, lives at my address when she in fact does not. The statement will show I was in XXXX XXXX during the time the check was sent on XX/XX/XXXX, it was not signed for by myself which is fraud. I did not receive the funds, Capital One still owes me the amount of XXXX.
Consumer complaint received 2024-10-28
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. (SC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently received a copy of my XXXX, XXXX, and Transunion credit report, and I noticed some Inaccurate account posted on my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the 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 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX 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 2024-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (NY)

On XX/XX/year> I wrote to XXXX XXXX via XXXX XXXX Mail, " requesting validation, made pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( section XXXX ) and the Fair Credit Reporting Act, along with New York XXXX XXXX XXXX ( section XXXX ). New York XXXX regulations require all debt XXXX to send specific written documentation validating the debt. Under section XXXX of the Rules of the City of New York XXXX XXXX requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. '' XXXX XXXX received my letter and signed for it at XXXX pm on XX/XX/year> ( see XXXX Tracking printout attached ). On or around XX/XX/XXXX, I received a reply from XXXX XXXX stating that they " are no longer attempting to collect... on this account '' without providing, nor mentioning any of the above mentioned proof documents I requested. 

On XX/XX/year> I wrote to XXXX XXXX for the XXXX time via XXXX XXXX Mail, informing them of their failure to place a notice of dispute on my account within 30 days as required by federal law, citing the FCRA and FDCPA laws and even enclosing a printout of 623 - 15 U.S.C 1681s-2 clearly defining a data furnishers duty to provide notice of dispute within 30 days. I received a reply from XXXX XXXX on or around XX/XX/year>, stating that they " do not have sufficient information to investigate the dispute because [ XXXX XXXX  ] can not ... locate [ my ] account '', totally ignoring their violation of Federal law which compels them as a data furnisher to add a notice of dispute within the timeframe required by law. It's insulting to my intelligence as just last month XXXX XXXX  were able to locate my account and inform me that they " are no longer attempting to collect ... on this account ''. 

This appears to be gross negligence and disregard for the law and for affected consumers like myself nationwide. If they are unwilling to cooperate, hopefully the CFPB and XXXX Attorney General can induce a correction of their behavior.
Consumer complaint received 2018-06-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (WA)

I opened a CitiBank card at The Home Depot to buy a lawnmower. After about a month I realized that I had not yet received a statement in the mail, so I went online to get my payment information. To my dismay I found that the payment was due just three days before I went online and a {$27.00} " late payment fee '' had been added to my balance.. 
Two days later ( 5 days after my " payment due '' date ) I received a call from XXXX noting my " past due '' amount and requesting immediate payment. I explained that I had just found out that my payment was a few days past due, and that -- since I had already incurred the {$27.00} late fee for the month -- I would pay the total amount in the next 27 days and bring my account balance down to zero. 
Since that date ( XX/XX/18 ) the company has been calling me EVERY DAY, mostly no one on the other end of the line ( hang-up calls )! They are now calling three and four times each day, sometimes more, with no one on the other end of the line. 
The calls start promptly at XXXX XXXX. Problem is that we are on swing shift and do not get up until XXXX XXXX. or later. I think this is harassment. 
P.S. The late payment fee was supposed to be {$25.00}, not {$27.00}.