davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I use XXXX to monitor my credit scores ; they reflect Transunion and XXXX. 
The information between these two Credit Bureaus is widely different. Even when they are reporting on the exact same accounts. 
I have filed disputes with both bureaus regarding two different " collection '' accounts. XXXX XXXX XXXX and XXXX XXXX are the supposed accounts that I owe money to. The disputes I filed have only been addressed to the Collection agencies, who have nothing to lose by claiming these accounts are delinquent. However, I am actively a customer of both XXXX XXXX XXXX and XXXX XXXX, so if the Credit Bureaus were to contact THEM, they would know I am not behind in any payments to these corporations. 
So transunion dropped on of these accounts, while XXXX  maintains I owe these funds. 
I received an email from XXXX XXXX that states my credit score went up 57 points! However, when I review my credit through them, no such increase is visible. And how can these agencies report such inconsistencies between the same lender, XXXX, Student Loans? Nothing has changed since I started paying them and yet they show different payment amounts and/or different balance decreases. 
How are we supposed to know what is accurate and how can we hold these reporting agencies accountable for what they report?? It is like " little man '' kept down by THE MAN ... .it is ridiculous that these bureaus can dictate who can get a car, buy a house or not!! What can an individual consumer do to fight these inaccuracies? Seriously? 
My little letter to you, will it really make any difference that I am trying to understand how our information is gathered, collected, reported and monitored? I know I am not the only consumer to have such issues and I respectfully request some insight, if not interference with these credit agencies. Do they have all of your information correct?
Consumer complaint received 2024-11-07
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. (NC)

I am reaching out to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX regarding Account # XXXX. # XXXX ( XXXX XXXX ), # XXXX ( XXXXXXXX XXXX XXXX XXXX  ). 

In particular, XXXX XXXX has infringed upon my rights in accordance with : 15 U.S.C. 1681 Section 602 ( a ), which grants me the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ), which stipulates that a consumer reporting agency is prohibited from providing information about my account without my explicit written consent. 

Furthermore, XXXX XXXX has inaccurately reported late payments on this account, despite my history of on-time payments. 

Also I want to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX, regarding Account # XXXX, and XXXX XXXX XXXX XXXX regarding account # XXXX. 

XXXX XXXX and XXXX XXXX XXXX XXXX has infringed upon my rights in accordance with : 15 U.S.C. 1681 Section 602 ( a ), which grants me the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ), which stipulates that a consumer reporting agency is prohibited from providing information about my account without my explicit written consent.
Consumer complaint received 2019-10-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (NC)

I took a 16 ' fall from my deck on or around 2015. I went to XXXX XXXX ER  ( NC ). I had a {$100.00} Deductible & paid that at ER. Remaining bill 's are XXXX 's responsibility. I called the Hospital & they were working with XXXX. I called XXXX many times. The $ 500+ is comprised of 3 different bills. Each call the XXXX rep said I owe nothing & they would pay. They paid 1 of 3. I called XXXX again, oversight sorry & they'll pay. They paid 2 of 3. I called again, oversight sorry, on XXXX 's part, they said they will pay & I thought it was resolved. It is crazy the # of times I had to call XXXX. Then I received notices from a collection Agency. I have since had to go on XXXX & I have no records from that period of time, I lost my home & have had to move 4 times.
Consumer complaint received 2019-10-31
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AMERICAN EXPRESS COMPANY (MI)

Over the last 4-5 weeks, XXXX and XXXX XXXX has called my employer, relatives and friends about an Amex bill I owe.

1 - They do not call me at all. I had to get messages from friends and family about their calling. Called my family liars when they said I was not home. XX/XX/XXXX is calling people all over the US who I DO NOT live with and haven't spoken to in years. I had to call them to find out who they were and what debt.

2 - The debt they were calling about, yes I owe but not behind in payments. So I asked why they continue to chase ... no response, just repeating that I owe money 3 - Specially told them not to call anyone but me and they have my number ... They are harassing my ex-husband & his family. We have been divorced 13 years 4 - Today XX/XX/XXXX, they called my employer insisting that I handle this debt and call them back. Again, embarrassing, no phone to me and my account is up to date.

This is outrageous!
Consumer complaint received 2023-09-06
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. (MA)

I created an account with Transunion to check whether they had an issue with my file as I was unable to apply for a loan, and had no issues flagged at the other two credit reporting bureaus. I was able to login to the account but was not able to use any of the features in the website- credit freeze, credit dispute, credit report. On each of these pages, I got a message saying that this service was not available to me online right now, and I should call their support line. I have now called the support line several times over the past three weeks, and after being sent from the accounts department to the XXXX department to several managers, and was told I would get callbacks from tech support but have gotten nothing. Several people on the phone told me there was nothing wrong or flagged on the account, while another person told me they could see that the support team was actively working on my case- this was on XX/XX/29. The account is still locked to me after I login as of XXXX, and this block and subsequent inaction by Transunion is preventing me from applying for a loan for graduate school.
Consumer complaint received 2019-10-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

From XX/XX/XXXX to XX/XX/XXXX I rented a house at XXXX XXXX XXXX XXXX in XXXX FL XXXX from IXXXX XXXX. Upon vacating I completed the required steps of cleaning the house. On XX/XX/XXXX I received a letter from FCO ( Fair Collections & Outsourcing ) stating that not only were they keeping my security deposit but also charging me an additional {$1300.00}. Prior to this letter, I was never notified by XXXX XXXX that there were any problems. They are now threatening my credit rating and I don't even know what they are charging me for?
Consumer complaint received 2019-11-11
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. (OK)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report. 

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2019-10-30
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: EQUIFAX, INC. (LA)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2019 I called Amex customer service XXXX to inquire about return protection which was on an insert included in my monthly billing statement. I reached XXXX. He said he didn't know what it was and would transfer me. I got XXXX. He was outside of Amex. He said he did not have any information about my account. He wanted my Amex account number. He said he did not have any ID number, no last name, not phone number which he could be reached at, and no supervisor on duty. He told me he could take my phone number and somebody might call me back in a few days. It is entirely possible that XXXX and XXXX were running a little bunco scheme. I was very uncomfortable. I wrote to Amex about this situation but have been ignored. Also, I have tried to contact Amex about making some changes to my rewards account and usage of the rewards points and have been ignored also. Amex should have protocol in place to protect card member information from compromise by Amex employees. Much of this ID and other crime is committed from inside.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

I am writing a complaint because my account XXXX on paypal gave me a credit for case numbers : XXXX XXXX However they closed the following cases and I am unable to reopen them and it is the same company and the same facts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ***Also when I was refunded it said I was issued a provisional credit and that is not correct it was a refund.
Consumer complaint received 2024-10-29
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. (UT)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2019-10-31
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: SUNTRUST BANKS, INC. (MI)

I filed a complaint with CFPB on XX/XX/2019 complaint number XXXX.After suntrust investigation , I received letter dated XX/XX/2019 denying my request to remove hard inquiry from all credit reports.I never gave Suntrust/lightstream permission to do hard inquiry ONLY soft inquiry.On my XXXX report it shows soft inquiry and hard inquiry from Suntrust.I only authorized soft inquiry knowing the impact from hard inquiries on credit reports.XXXX XXXX is totally wrong on her investigation.I requested a loan based on a soft credit inquiry with no impact.All my credit reports offer lightstream/suntrust loans on loans.These loans offered on credit reports are based on soft inquiries and current credit score.
Consumer complaint received 2024-10-29
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. (PA)

Today, I was dismayed to discover several inaccurate accounts on my credit report. I regularly monitor my report, so seeing these sudden errors was both confusing and frustrating. I tried refreshing the page, thinking it might be a temporary issue, but nothing changed. I am asking that the documents I provided are reviewed with care to put this matter to rest once and for all.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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


I have requested proof that this information was mailed or delivered 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! 


Update the late payments from my consumer reports
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/23, I mailed a letter to the reporting agencies to remove names and addresses that I was never associated with. On XX/XX/23, I mailed out the same letter. As consumer I know my rights and would like a resolution.
Consumer complaint received 2019-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

I opened this account during XX/XX/XXXX with a promotion of {$400.00}. 
Your terms and conditions were either unclear or very confusing. Like whether it is {$1000.00} for 3 consecutive months or something else, not at all clear. 
When finally I talked to XXXX, I was told that i have time tillXX/XX/XXXX.I kept the {$1.00} as minimum account balance. 
Couple of months - I got $ XXXX direct deposit but not everything is in my control. 
Expecting $ XXXX as a direct deposit every month when jobs are not stable is not a good idea. My previous job is over with pending back wages claims with XXXX ( XXXX XXXX XXXX XXXX  ). XXXX has given verdict in my favor but back wages are provided as a check from XXXX not via the employer direct deposit. I was suppose to have 3 consecutive direct deposits of $ XXXX but it couldn't happen due to my job situation and pending investigations/litigation by Government agencies ( against my previous employer ). Needless to say there is more than $ XXXX kind of pending payment from the employer. For last 4 weeks - I am on unemployment wages ( since XXXX XX/XX/2019 ). One should understand that unemployment wages can not come any where near to $ XXXX direct deposit in a month. Moreover first week is a waiting period. 
Having said that could you please offer me {$400.00} cash bonus, I missed the terms and conditions ( which i initially misunderstood in the past ) with very short margin. 
Thanks in advance. Even self employment direct deposit using software takes around 7-9 days. 

Already during the last 5 months, I am getting direct deposit which is very near to {$3000.00} per month XXXX Around {$2000.00} Direct deposit XXXX {$330.00} and another Wells Fargo ACH of {$3100.00} XXXX {$3000.00} XXXX {$1000.00} XXXX {$1000.00}
Consumer complaint received 2019-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION (NY)

I deposited a check for {$1100.00} on XX/XX/XXXX via the ACU mobile app, I subsequently logged out and logged back in to see if there would be a hold placed on the deposit or if any of the funds would be made available. After the deposit, the mobile app displayed the total amount of the check available to me and did not indicate any hold would be placed on the check. The check was drawn on a business account from my employer from XXXX XXXX. Additionally, after reviewing online banking, the full amount of the deposit is reflected in my posted ledger balance as of XX/XX/XXXX. Based on this information, I made a payment on my XXXX  XXXX XXXX credit card in the amount of {$1200.00} via XXXX  which brought my balance down to {$710.00}. On Monday XX/XX/XXXX at approximately XXXX, I logged into my mobile app again to try to determine why I was not able to withdraw money from the ATM only to discover that my account was overdrawn {$440.00}. I looked over the ledger to see what happened and saw that at some point on XX/XX/XXXX, someone from ACU decided to place a 10 day hold on the check that was deposited on the previous day, leaving my account overdrawn and not giving me any notification that this would occur. I then contacted customer service to see what could be done about the hold and was told that since ACU could not verify funds on the XXXX XXXX  check, that if I could get a letter verifying the check or proof that the check cleared that I could request the hold be released, however, XXXX XXXX  will not provide this information to me either since I am not the account owner. I then called back and spoke with several reps at ACU and was told that it is essentially not their problem that I don't have any money and that I should have considered the check unavailable to me until it was processed on Tuesday, even though I did my due diligence as a customer and acted on the information I was provided as a result of using the banks mobile application. As of today XX/XX/XXXX, my account sits overdrawn and I have no money until the 10 day hold expires on XX/XX/XXXX.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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

I have requested proof that this information was mailed or delivered 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! 


Update the late payments from my consumer reports