davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX Dear XXXX XXXX, I hope this letter finds you well. I am writing to request your assistance with an ongoing issue I am experiencing regarding inaccurate information reported by TransUnion on my XXXXXXXX XXXX XXXX 

I have been in contact with XXXX XXXX XXXX regarding an account I had with them. During a phone conversation on XX/XX/XXXX, they confirmed that this account was never reported as charged off, Its reported as current. However, I am concerned that TransUnion is inaccurately reflecting this account as charged off. 

As you may know, a charge-off occurs when an account is XXXX days past due. In this case, I settled the account on XX/XX/XXXX, and XXXX XXXX XXXX received the payment on XX/XX/XXXX. Furthermore, if you review the payment history, you will find that there are no late payments associated with this account. 

Given these circumstances, I am formally requesting that this account be removed from my credit report immediately, as it violates the Fair Credit Reporting Act ( FCRA ). I will be uploading all relevant documentation supporting my claim for your review. 

Thank you for your attention to this matter. I appreciate your support and look forward to your response. 

Sincerely,
Consumer complaint received 2024-10-31
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dear XXXX XXXX, I hope this letter finds you well. I am writing to request your assistance with an ongoing issue I am experiencing regarding inaccurate information reported by TransUnion on my XXXX XXXX XXXX 

I have been in contact with XXXX XXXX XXXX regarding an account I had with them. During a phone conversation on XX/XX/XXXX, they confirmed that this account was never reported as charged off, Its reported as current. However, I am concerned that TransUnion is inaccurately reflecting this account as charged off. 

As you may know, a charge-off occurs when an account is XXXX days past due. In this case, I settled the account on XX/XX/XXXX, and XXXX XXXX XXXX received the payment on XX/XX/XXXX. Furthermore, if you review the payment history, you will find that there are no late payments associated with this account. 

Given these circumstances, I am formally requesting that this account be removed from my credit report immediately, as it violates the Fair Credit Reporting Act ( FCRA ). I will be uploading all relevant documentation supporting my claim for your review. 

Thank you for your attention to this matter. I appreciate your support and look forward to your response. 

Sincerely,
Consumer complaint received 2022-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MD)

My name is XXXX XXXX my paypal account has been place a limitation and they ask me for document. 
I sent all my document and the person help me to lift the limitation. 

the same day after the limitation was lifted another permanent limitation has been place on my account without any reason. 

I feel discriminated against because I am not a United States citizen. 
According to what I have read in the paypal policies it is not specified that to use a paypal account from the United States you must be a citizen of that country. 

In any case, I have sent my original documents from my country but they have frozen my money permanently. 

XXXX ( XXXX ) XXXX
Consumer complaint received 2024-10-31
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. (NJ)

ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

U.S. Bankruptcy Court # 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-30
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. (LA)

I am filing this complaint against TransUnion for failing to comply with Section 605C of the Fair Credit Reporting Act ( FCRA ). This provision requires consumer reporting agencies to permanently delete any adverse information on a credit report that resulted from being a victim of human trafficking.

Under FCRA 605C, upon receiving appropriate documentation substantiating my status as a victim of human trafficking, TransUnion is obligated to : Permanently delete all adverse information linked to this trafficking from my credit file. 
Ensure this information is not reinserted or accessible in any way within the report. 
Despite my submission of the necessary documentation, TransUnion has failed to comply with this legal mandate, resulting in ongoing harm and financial difficulties. I request immediate action to permanently delete all applicable adverse information from my credit report in accordance with the law. 

Thank you for addressing this matter with the urgency and seriousness it requires.
Consumer complaint received 2024-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ALLY FINANCIAL INC. (MD)

Where to begin with this XXXX XXXX XXXX company?! For starters, I indicated that I was experiencing a financial hardship and called initially to find out if there were any financial options, since I am one payment past due. However, during my first phone call I was told that I needed to callback because enough time had not passed and in order to qualify for the program because you had to be at least 2 payments past due. However, when I called back on today ( i.e. XX/XX/year> ) I was told that I finally qualified for the financial hardship program and was offered to pay as low as {$10.00} a month for 6 months in the " fixed '' program where I would not be able to use my credit card, my interest rate would be decreased from 30.49 % variable interest rate to 0 % fixed rate, no late fees would be applied, and after making my payments consecutively on time for 3 months ; my account would be considered " current ''. I also confirmed that after accepting the offering, I would receive an email packet with all of the terms and conditions. What didn't seem logical was the fact that Ally Bank LITERALLY will continue to report your account delinquent during the 3 month period where you are paying your first payments to bring your account current. When I asked about Ally Bank and why they would purposefully report incorrect information even though consumers are making payments as part of the financial hardship program both representatives that I spoke advised that " they could not provide me with this information '' but then the first agent that I spoke with stated that " payments are reported as negative/or derogatory to the credit bureau once they are 60 days past due '', then the other agent stated that " payments are reported to the credit bureau once they are 30 days past due ''. Based on this information, I decided not to enroll in the financial hardship program because when payments are reported late this decreases your credit score and your credit rating, however, Ally Bank is aware that they are breaking the ( FCRA ) Fair Credit Reporting Act and could care less as they are deeply committed to abusing their power as a bank, so that they can achieve their financial goals. This is the equivalent of kicking someone in the face then acting as though they didn't kick you in the face ( i.e. kicking someone while they are down ). This abuse of power in conjunction with force, coercion, deception, and monstrous behavior that Ally Bank uses should be taken lightly as their agents have been trained to be completely oblivious to any information that you provide to them and merely keep asking you repetitively " if you would like to enroll in the program '' ; offering you no other options because they have offered you an option " that is too good to be true '' just for you to end up with incorrect/and inaccurate information reported ON PURPOSE by Ally Bank .
Consumer complaint received 2022-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY (AL)

My Target card was included and discharged with the bankruptcy I filed. However, the account is inaccurately reporting as a charge off with an increasing balance every month! I have disputed with the credit bureaus, contacted the company to resolve it, uploaded proof of the bankruptcy payments to Target from the bankruptcy trustee, and also uploaded the paper I received from the bankruptcy court verifying the account has been discharged.
Consumer complaint received 2024-10-31
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. (AL)

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 XXXX XXXX XXXX permissible purposes of consumer reports. XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 




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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ON XX/XX/year> You responded saying i need to call to have them verify my info but ive do so several times and they say the system cannnot Generate the security questions. ive also sent those documents in as requested before to verify my identity. My address was changed my a Transunion associate over the phone after accessing my account so that person should have notated that they verified me, and took the info from me before all these issues arise. To add injury to insult im currently on hold for XXXX mins again trying to get this rectified but still system cant generate security questions This really needs to be fixed
Consumer complaint received 2024-11-07
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2024 I made a purchase using my Bank of America Credit Card. The merchant charged {$1300.00} more than what the amount was supposed to be. I did a dispute about the transaction and Bank of America denied the dispute without even contacting the merchant. I called Bank of America and tried to resolve the issue together but they were unwilling to do anything different. They asked for receipt however, the merchant did not provide one.
Consumer complaint received 2024-10-31
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)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) 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. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-10-31
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)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/2024 Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment for XX/XX/2024 was made on time, which falls within XXXX XXXX 15-day grace period. Therefore, the account should not have been reported as XXXX XXXX XXXX 
Error caused by automatic payment system : I had set up an automatic payment for XX/XX/2024 through XXXX XXXX 's payment system. However, due to a system error, the payment was delayed and processed late. This was an error beyond my control, and I acted promptly to resolve the issue when notified. 
Evidence provided : I have attached my bank statements and the payment confirmation showing that the payment was made on time, confirming that I acted within the allowed time frame. Additionally, documentation from XXXX XXXX acknowledging the system error has been included. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (PA)

I have never done any buisness with Credence Resource Management whatsoever no verbal or written agreement they have been calling me non stop after I have disputed this false debt twice and no verification was ever provided they are violating my rights under the FCRA I have a right to privacy and fair credit reporting.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Phone : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Demand for Payment Due to Violations of Consumer Rights Dear XXXX, Trans Union and XXXX, I am writing to formally demand payment in the amount of {$1000.00} for each violation of my consumer rights, as specified under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 and 15 U.S.C. 6892.

I have identified the following violations in regard to my credit report : 1. Permissible Purpose : You have reported information on my credit report without a permissible purpose, as required by the FCRA.

2. Failure to Provide Verification : You have failed to provide any method of verification upon my request, which infringes upon my rights under the FCRA.

3. Notification Requirements : You did not notify me at least five ( 5 ) days prior to reporting any information on my credit report, which is a clear violation of the FCRA.

Each of these violations constitutes a breach of my consumer rights, for which I am entitled to compensation of {$1000.00} per violation. Given that there are three distinct violations listed above, I am seeking a total payment of {$3000.00}.

Please remit payment to my address listed above within fifteen ( 15 ) days of receipt of this letter. If I do not receive a satisfactory response within this timeframe, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal representation to enforce my rights. 

I trust that you will treat this matter with the urgency it deserves and look forward to your prompt response. 

Sincerely, XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The fraudulent and inaccurate entries on my consumer report persist despite my disputes. These unauthorized items resulting from identity theft continue to severely impact my financial well-being and cause significant distress.