davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
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. (OH)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-10-25
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. (FL)

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. 

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 XXXX XXXX XXXX XXXX XXXX  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 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 2024-10-25
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. (TN)

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 2024-10-25
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. (PA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Account Number Num : XXXX XXXX : CFPB Case Num : XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report. These items I 'm disputing also is listed bellowed as an attachment. You could see the account information as it appear in my credit repot. 

Enclosed are copies of enclosed documentation, such as Letters supporting my position. Please reinvestigate this these matters delete and correct the disputed item as soon as possible. I have attached copy of all the correspondence regarding this issued with XXXX XXXX. 

Due to the age of the account was closed on XXXX XXXX, XXXX with a zero balance. It has been more that 8 years. The company has reported to the bureaus, to remove the account from the credit report. 

Thank you for the opportunity to clarified this issued. 

XXXX XXXX Dear XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT, XXXX Account Number Num : XXXX XXXX : CFPB XXXX XXXX : XXXX Attachment of the credit Report
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

For the past year or so I have had a AAA/Bank of America Rewards XXXX card. Recently, since I was overwhelmed by credit card payments, I made a loan against my retirement account and paid off my BofA card. The day after that, I went in to see whether the payment was recorded, and could not log in. When I phoned them, they told me they had closed my account due to payment history of not paying my minimum payments. I had not been able to set up online bill-pay with them because I did not have a Bank of America bank account, and they kept telling me I needed to submit signed affidavits from my bank that my business bank account ( which is IN my name ) was really my account. So online banking never happened. So I was reliant on payments in person - and sometimes I could n't get to the bank on time so my payment was 1, 2 or 3 days late. That is their rationale for closing my account. I am most concerned about my credit history showing that despite paying off my balance to Bank of America, the account was closed involuntarily the day afterward. I was going to cut up the cards anyway, but the fact is this will worsen my credit, and I would like to stop that from happening if I can.
Consumer complaint received 2024-10-25
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. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2016-07-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Neighborhood Housing Services of Toledo, Inc. (OH)

I first filed a complaint on or about XXXX/XXXX/16 about XXXX, and their deputy director XXXX XXXX, but I never heard back from you about this matter. Since that time I have learned that he has instructed everyone at XXXX not to speak to me or even answer my e-mails. 

He is doing everything possible to make it difficult for me to use their home improvement loan in order to get anything done.
Consumer complaint received 2016-07-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

I called Nissan Acceptance regarding my Car payment today. The representative that I spoke to was rude and cut me off several times during the conversation. I asked to speak to a supervisor and she transferred me to a general voicemail. It did not identify anyone on the voicemail. I called back and ask for a supervisor and that representative did the same thing, they transferred me to general voicemail with no one 's name or extension on it. I called back a 3rd time and explained to the representative that I need to speak to supervisor and that I keep getting transferred to a voicemail and he responded " : Maybe there not XXXX available and that why you keep getting voicemail and then placed me on hold. Finally a supervisor came on the phone. I explained to the supervisor that my payments that I am making on Nissan 's website are not being credited on the day that I authorized them. They are being credited a couple of days later. She explained to me that the payments are not back dated to the day they were authorized. I explained that I authorized my payment on XXXX and as of today XXXX/XXXX/XXXX the payment still has n't posted and I am being accessed 3 additional days of interest that I should n't. I also explained that their own website shows the payment that I authorized on the XXXX is pending. I also advised the payment I made last month was made prior to the XXXX but it was credit on the XXXX. The supervisor stated I should look at other forms of making the payment like XXXX but even then the payment has to be there by XXXX in order to receive credit the same day. I explain to the supervisor again that I understand cut off times however the system can clear determine what day I authorized the payment for and the payments should be back dated to the day in which the payment was authorized not 2 or 3 days later because I am being access additional interest for these days. She said she could summit a suggestion that Nissan fixes this issue but there nothing I can do at this time and there no guarantee Nissan will ever fix the issue. I advised the supervisor I will be filing a CFPB complaint because Nissan payment posting process of not posting payments when they are authorized is resulting in me having to pay more interest on my loan because they are posting the payment days after I have authorize the payments and not back dating to the effective date in which I authorized the payment.
Consumer complaint received 2016-07-26
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: Reverse Mortgage Solutions, Inc. (WI)

This is a extension of a problem we have with Reverse Solutions , Inc. Our mortgage number is XXXX. 

We have done all we were requested to do. Paid the amount asked, acquired flood insurance and now there is a mix up on their end and we have XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Wisconsin XXXX harassing us and threating to forclose on our home. We are XXXX & XXXX years of age respectively an in fragile health and yesterday I lost my sister. They were extremely rude on the phone and we would respectively like some action taken to stop this harassment.
Consumer complaint received 2016-07-26
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: GVA Holdings, LLC (TN)

Says Case file # XXXX. Email from XXXX XXXX from XXXX XXXX XXXX XXXX. Says I owe for a loan that I did not accept. I was trying to see how much I could get, but did not accept the loan and never received the money. My bank also verified that I did not receive any money. They do have all my info. But I did not receive the money and they keep trying to get me to pay for money I did not receive and saying that I will have to go to court if I do n't pay. Says he has all the proof he needs, but as XXXX is my witness, I did not receive the money, I only applied to see what I could get. All I know it as is Cash Advance. This man says he is from the financial crime investigating department attached XXXX Government. I have never received anything in the mail regarding any information about this or from the loan that I supposedly took out in writing by mail. Only email threats to pay for something I did not receive.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , XXXX . 
XXXX XXXX XXXX, XXXX XXXX Account Number Num : XXXX Re : CFPB Case Num : XXXX Dear XXXX : I am writing to dispute the following information in my credit report. These items I 'm disputing also is listed bellowed as an attachment. You could see the account information as it appear in my credit repot. 

Enclosed are copies of enclosed documentation, such as Letters supporting my position. Please reinvestigate this these matters delete and correct the disputed item as soon as possible. I have attached copy of all the correspondence regarding this issued with XXXX XXXX. 

Due to the age of the account was closed on XXXX XXXX, XXXX with a zero balance. It has been more that 8 years. The company has reported to the bureaus, to remove the account from the credit report. 

Thank you for the opportunity to clarified this issued. 

XXXX XXXX Dear XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT, XXXX Account Number Num : XXXX XXXX : CFPB XXXX XXXX : XXXX Attachment of the credit Report
Consumer complaint received 2024-10-25
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. (TN)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-10-25
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. ()

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 XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally demand the immediate removal of five unauthorized inquiries from my credit report, as they were not authorized by me and constitute violations of the Fair Credit Reporting Act ( FCRA ). These inquiries are causing unnecessary harm to my credit profile, and I am exercising my rights under federal law to ensure their prompt deletion. This is the second time I have requested this removal with Transunion. 

The inquiries in question are as follows : 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  These inquiries violate the FCRA under the following provisions : FCRA 604 ( 15 U.S.C. 1681b ) Permissible Purposes of Consumer Reports A credit inquiry is only permissible if it is made with written consent from the consumer or for a specific transaction initiated by the consumer ( such as a credit application ). I have never authorized these inquiries nor initiated any transactions with the companies listed. As such, they constitute an unlawful access to my credit report.

FCRA 1681c-2 ( 15 U.S.C. 1681c-2 ) Identity Theft Protections Some of these inquiries were made without my knowledge or consent and may be associated with fraudulent activity or identity theft. If these inquiries are not immediately removed, I reserve the right to classify them as unauthorized access resulting from identity theft, which will further trigger my rights under this section of the FCRA. 

FCRA 611 ( 15 U.S.C. 1681i ) Procedures in Case of Disputed Information As I am disputing these inquiries as unauthorized, TransUnion must investigate and remove any unverified or inaccurate information. If these inquiries can not be verified as legitimate under 604, they must be deleted within 30 days from the date of this letter. 

Requested Action In light of the above, I am formally requesting that TransUnion Immediately delete the five unauthorized inquiries from my credit report.

Please consider this letter your formal notice of dispute. I expect your prompt and full cooperation in this matter.
Consumer complaint received 2024-10-25
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. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-25
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 have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-25
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. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Bankruptcy — 
Company: SYNCHRONY FINANCIAL (WA)

I obtained a Care Credit card in 2007 at the vet when my pet was XXXX. The interest rate was supposed to be reasonable and I had a small income that should 've covered the payments. Later on I had my own urgent health issues that were n't covered by medicaid. I lost my job and my financial aid ran out. Someone I knew took my XXXX card and used it without my knowledge. I was homeless and my ex threatened me to keep me from applying for child support. I explained my situation to the Care Credit representatives but their only response was to raise my interest rate to 29.9 %. I made payments on the debt but the amount owed only increased. My credit was ruined and I was forced to file bankruptcy because after 8 years, the Care credit was still on my credit reports several times.
Consumer complaint received 2016-07-08
Product: Credit card — 
Issue: Other fee — 
Company: Continental Finance Company, LLC (IN)

The surge card I got double charge me maintenance fee yearly and monthly. When I read the agreement it seemed to state that it was either a XXXX yearly charge or a XXXX monthly charge not XXXX. Then when I try to cancel the card the guy said that the monthly charge will keep going month after month even though I closed the account.