davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I submitted a complaint through this portal ( XXXX ) in regards to XXXXXXXX XXXX. I received an email from the Director stating that there is not an account in my name that could be located and can not be validated. In turn, this company does not appear to be licensed to collect in the state of Indiana.
Consumer complaint received 2024-08-29
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. (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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-08-29
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. (GA)

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 Bureaus, 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 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 2024-08-29
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5- - 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022. 142 ( b ) ( 6 ).
Consumer complaint received 2024-08-29
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Transunion XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX I am writing to dispute inquires listed on my credit report that I believe is inaccurate and part of a data breach my information. The inquiries in question. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recall authorizing these inquires, I have no knowledge of my business dealings with, I have not applied for any credit or services from them, and I believe these inquires may be a result of identity theft or mistake. 
I request that you investigate this matter further and provide me with any information you have regarding the inquires. I also request that you removed these inquiries from my credit report as soon as possible, as it negatively affecting my credit score. 
Please provide me with any updates or resolutions to this dispute in writing at the address listed above. I appreciate the prompt attention to this matter and look forward to hearing from you soon. 

Thanks, XXXX XXXX
Consumer complaint received 2017-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (OH)

Due to Job loss I contacted two of the company 's that I have credit cards through. XXXX ( Store Cards ) and XXXX XXXX. ( XXXX XXXX store card ). I advised that due to circumstances I would like to see what kind of payment arrangements or programs they had for assistance. ( I have been a long time customer in good standing ). I was told that they hardship programs they had were not available until I was at least 2 months behind. That would then mean that besides being late I would accrue fees for being late and over the limit and ( my credit rating would be affected ). I again advised I am  trying to be proactive to avoid these issues. They advised me they would NOT work with me in advance of being behind. They would not lower my interest rate nor negotiate. Secondly working with me after the fact of being behind usually involved lowering my payment amount but the account would be closed. This also negatively affects my credit. With most interest rates being 17.99 to 24.99 % these company 's have made 3-4 times over of what you actually owe and has you over a barrel since the world revolves on that almighty credit rating.
Consumer complaint received 2017-12-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

USAA called me repeatedly on the following days despite my debt consolidation companyh working with their settlement department ( seperate ticket XXXX ). 

Days include : XXXX XXXX ( at XXXX and XXXX ), XXXX XXXX ( at XXXX and XXXX ), XXXX XXXX ( at XXXX and XXXX ), XXXX XXXX ( at XXXX, XXXX, and XXXX ), XXXX XXXX ( at XXXX and XXXX ). 

As per previous ticket, I did inform them to work with the consolidation firm. I 've also, admittedly very angrily, informed them of the Fair Debt Collection Practices Act which states that they may not harrass by calling multiple times in the same day. 

Also stated on the previous ticket, I spoke to a manager and he sent a message to the team for them to contact me at a specific time and day to sort this out and have XXXX XXXX on the phone. They did not call at the specified time/day ( XXXX XXXX XXXX, XXXX ) or the day after. Then they called again on XXXX ( today ) .This leads me to beleive that theyh do n't want to work with me on the debt, but just to harrass me.
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

Equifax is showing same bankruptcy on credit report twice file date was XX/XX/XXXX And discharge date was XX/XX/XXXX for the same bankruptcy. I have 4 open disputes with equifax I 've sent them faxes and uploads showing this
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXX and 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 reported 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.

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 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 2018-04-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Skrill USA, Inc. (NY)

On XX/XX/2018, I purchased an item from a seller on XXXX for XXXX Euros ( XXXX USD ). My only option for paying him was to use Skrill. I logged into my Skrill account and sent it directly to the seller 's email address on file with them. I received an email from Skrill telling me that the Transfer had been successful, and also received by email a Transaction Receipt from them.

My seller -- the merchant -- told me that he never received this money and that it was not to be found in his Skrill account. I asked him three times, and forwarded the Transaction Receipt to him on XX/XX/XXXX. He said he would gladly refund the amount if he had received it in the first place. He never got it. ( I paid again, through XXXX, and was successful this second time. ) I had used the correct email address on his Skrill account.

I complained to Skrill three times about this, and they insisted that the money was in fact there, and told me that they would contact him about it.

I did not hear from them again. I contacted the seller once more, but the money was still not there.

Nothing has happened since my last inquiry to Skrill on XX/XX/XXXX -- except that they sent me a notice that they had received my inquiry.
Consumer complaint received 2024-08-29
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 received my credit report and noticed that a fraudulent account is appearing, Please investigate and delete this. It's not mine. 

I command you to delete the accounts listed below : Account Name : XXXX  XXXX XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report.

Based on consumer law, 15 U.S. Code 1681iProcedure in case of disputed accuracy, if you can not verify the accuracy of the information within 30 days, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2024-08-29
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 submitted a request to XXXX, XXXX, and TransUnion for all of my personal information to be corrected and updated. My full name is XXXX XXXX XXXX born XXXX XXXX. This is the only name that I ever went by with the exact date of birth.If there are any other names or date of births listed on my report I ask for it to be removed immediately. My only and current address is XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. Any other addresses listed on my credit report I do not reside and they arent mine. I ask for all bureaus to please remove every or all addresses that arent mine be removed immediately. Lastly, my social security number should end with XXXX. Any other social numbers listed I ask for it to please be removed immediately. Once all of my information is updated, I request an updated copy from all three bureaus, of my report to be mailed to my current and only address.
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (WA)

I have been paying for equifax credit monitoring services for over 3 years at this time. When the breach occurred I was not informed by the company at any time. When I called on XXXX17 to receive free monitoring services and/or be reimbursed for the year I have been paying for the services since the breach, I was only offered the same services as those who were not already paying customers. 
When one pays a company for service and they do not provide ( or in this case actually do the opposite and lose your data ) then one would expect some form of recompense. Instead I was given the run around and offered only the same mediocre services given to non-paying customers. 
Services costing $ XXXX {$200.00}
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I was contacted by the company XXXX XXXX last year XX/XX/XXXX in the summer between XX/XX/XXXX and XX/XX/XXXX. The company representative told me that I was in default of a rental agreement and I needed to return the furniture before the store files a stolen property charge with the local police department. I told them that I was on XXXX XXXX orders and that the furniture was in storage and that I would authorize them to pick it up. The man then stated that he would take a payment of XXXX dollars. I asked him what was the total amount due and he could not tell me. He said he had to add other fees and he would call me back with the amount. The company XXXX XXXX went on to put a charge off debit on my credit report with a charge of amount of XXXX XXXX dollars. I continued to receive calls asking me for payment and threats to file police report for stolen property. I called the company in XX/XX/XXXX to  make a payment the representative gave me completely different amount than what was stated on my credit report. When I told her that the amount she stated I owe did not match the amount shown on my credit she put me on a long hold on the phone. when she finally came back to the phone she could not tell me how much I owed on the account still. She stated that she was going to have someone call me back with my account information and payment methods. I never received a call back.
Consumer complaint received 2024-09-18
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: United Shore Financial Services, LLC (CA)

United Wholesale Mortgage sent me a letter in XXXX of XXXX acknowledging fault and that they were going to rectify and update credit report they then sold my account to another lender and only partially rectified my account. Missing information for my property taxes and my homeowner insurance almost caused a lapse in insurance. united Wholesale was supposed to update new company that they sold my account to on insurance they did not. They were also supposed to update property tax info to bring escrow account back to positive. I am XXXX percent XXXX veteran with an exemption that I provided proof of XX/XX/XXXX. They also have not updated credit report which I found out after being denied for a pre-approved credit card. It is not the consumers responsibility to ensure that companies are doing there job and holding true to written documentation. It took them 8 months and me filing a complaint for them to take action the first time now 5 months later they have still only completed 25 % of said task. I am dealing with XXXX XXXX and can not keep cleaning up after the companies errors and mismanagement of accounts.
Consumer complaint received 2017-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (FL)

This debt from XXXX is not mine, I had a contract with XXXX XXXX in which I paid, and all equipment was returned! The contract was prepaid, there is no way I am left with a balanced owe! XXXX XXXX has given no resolution or validation of this debt, and now has sold it to Credit Protection. I need this false debt deleted
Consumer complaint received 2018-01-31
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management (OH)

Borrowed money back in 2013 for {$1000.00}. fell behind and tried to work things out, in the mist of getting funds together when I called them back they told me they lost my information and had to look for it and would call me back. They never did and I repeatedly called them to make payments arrangements yet they could never locate my account. 

The information on my credit report in incorrect, the date of last activity, the open date is all incorrect from the loan application information. I am asking to have this information verified and corrected or have the account deleted from my credit report.
Consumer complaint received 2017-09-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have contacted XXXX credit reporting a few times requesting that they please report my XXXX account onto my credit report. This credit card has a XXXX balance on it and will help my XXXX credit score. I was told I need to contact XXXX and have them report it to XXXX. I contacted XXXX and was told they do report to all 3 credit reporting agency 's. I explained that this account is not reporting to XXXX. I could not get any help. I called back XXXX and explained what XXXX told me and they could n't help. I am submitting this complaint because I want this account to report on my XXXX credit report.
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (NC)

I pulled my credit report and noticed that their were 3 inquires that were not mine. I contacted the credit bureaus. ( XXXX XXXX XXXX ) XXXX XXXX. To have the fraudulent inquiries removed. I was advised to get in contact with the company. I tried previous times to get in contact with these three companies with no response. On XXXX/XXXX/XXXX I also sent certified mail to these three companies advising the date my inquiries were pulled and that they were fraudulent and that they had 10 days to remove the inquiries. It has been past 10 days and I have yet heard anything for either of these companies, nor have these inquiries been removed. The three companies are 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Inquiry pulled on XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiry pulled on XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiry pulled on XXXX XXXX, XXXX I have done my due diligence to notify the bureaus. And the companies about these inquiries and nothing has been done. Attached is one of the letters I sent, I sent the same letter however changed the address on each and also attached is the certified mail receipts.
Consumer complaint received 2018-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (CA)

I purchased a sofa from XXXX on XX/XX/17. They charged my credit card for a deposit and also made a pending charge for the balance which is not due until the sofa is delivered. They create pending charges for the balance every 10 days so that there are multiple pending charges against my credit line. CitiBank keeps pending charges on file for 30 days. XXXX  is under the assumption that the pending charge falls off after a few days. I have asked for XXXX and CitiBank to delete the multiple charges and they refuse. While I do have sufficient credit available to me for my purposes, others may not. I can see that some cardholders may be inconvenienced or hurt by this practice. They give priority to the merchant who continually places multiple pending charges on the card rather than the consumer whose available credit has been reduced.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I applied for a credit card at XXXX I was denied by Experian because it said that I am deceased?? How do I correct that information? And what recourse do I need to do for this error??? XXXX
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I disputed some accounts with Equifax in XXXX 2017. I received the investigation results dated XXXX XXXX 2017 yesterday and all of the disputed items were deleted. Some of the disputed items were no longer showing on my report as they had been previously removed.However when I checked my credit file this morning all of the disputed items that were deleted or removed were reinserted back onto my credit file.