davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX is the worst business ever. 
they put negative information about my account, that i am late 30 days i wasn't aware of the information. and i did a mistake for not noticing but they failed to inform me that there will be any negative on my report, they failed to contact me, through email, phone or mail this is my rights under FCRA, SCRA, i am XXXX XXXX XXXX " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. '' and " You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell you, and must give you the name, address, and phone number of the agency that provided the information. " they say they try to contact me many times, which never happen and they refuse to show me any email or mail letter to confirm they reached me or even phone log, i only received one letter to tell me i have negative payment going to the report i asked to show anything to verify they reached me personally, they refuse. 

my only problem, is their own collection department : -do n't care that i am SCRA -refuse to show that their information is verified -add more information without my consent on my report ( 30 days late, and note that i didn't like their investigation ) -delayed my process -never answer question -refuse to understand that sometimes accidents happen -acting like their system is 100 % error proof and no way that accident happen and i wasn't informed -refuse to work with any negotiation -refuse to minimize damage -failed to inform me with any issues so what is their job exactly?
Consumer complaint received 2018-08-29
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (NY)

I purchased a Western Union Financial Services Money order from XXXX, their agent, on XXXX XXXX XXXX XXXX in XXXX XXXX XXXX last year. I never used it or fllled it out. This XXXX I wrote my name in the pay to line, endorsed it on the back, and deposited it to my bank, XXXX. Western Union charged back the entire amount, {$420.00}, without explanation. I subsequently contacted Western Union and sent them copies of both sides of the money order they returned to my bank, with the debit to my account, and my purchase receipt. They claimed the M.O. was expired because it was over a year old. THERE IS NO STATEMENT ON THE M.O. THAT IT IS ONLY VALID FOR ONE YEAR. Instead the terms on the back say if not cashed in one year, they will start charging {$1.00} per month. 
So far, Western Union insists I either have to pay them {$30.00} to " trace '' the M.O, which I have no need to do ( and get a notarized statement ) or apply for a " refund '' for my money which they have, for a {$15.00} fee. THIS M.O. WAS NOT LOST OR STOLEN. I DO NOT NEED A REFUND! They need to credit my bank account for the illegal and illicit chargeback. 
attached is a pdf with one of my letters to them, including copies of the money order, receipt, and my bank record, which they received from me.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-08-29
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. (DE)

My account with XXXX XXXX Bank was closed and the balance was sold to XXXX XXXX in XXXX of XXXX. 
XXXX XXXX Bank stopped reporting late payments in XXXX of XXXX. 
XXXX XXXX began reporting as a collection account in XXXX of XXXX. 
XXXX XXXX began using XXXX XXXX XXXX XXXX for their collections at an unknown time. 
I began making bi-weekly payments of {$60.00} to XXXX XXXX XXXX XXXX on XX/XX/XXXX to pay the balance. 
o Paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX has updated my credit report monthly to reflect the balance decreasing. 
XXXX XXXX Bank added a FAILURE TO PAY to my credit report for XXXX of XXXX. 

XXXX XXXX Bank NO LONGER OWNS THE DEBT and should not be reporting a new late payment more than 3 years AFTER the debt was sold. I am making payments to the company that owns the debt. 

To date, they still will not correct my report to remove the late payment in XX/XX/XXXX for a debt they do not even own.
Consumer complaint received 2018-08-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (LA)

I toke out a loan in XX/XX/2016 with Ace Cash Express in XXXX, TX. Apparently they sold the bad debt to XXXX XXXX XXXX XXXX. Global has contacted me ( XXXX XXXX ), my uncles ( XXXX & XXXX XXXX ),  my aunt ( XXXX XXXX ), and grandmother ( XXXX XXXX XXXX ) via phone stating that there is a order of location against me in XXXX, TX and threatened to come to there home to arrest me. They also stated that I am not willing to cooperate which I have spoken to multiple persons within there office and provided my personal phone number and mailing address. I was told that I owe {$1600.00} by XXXX XXXX w/ XXXX ext XXXX and then {$1700.00} amount from XXXX with XXXX. I looked on Ace Cash express website and the amount owed is {$1400.00}. I asked for something via mail and they both stated that they can not send anything via mail. I asked for options to pay they stated that I had to provide a traceable bond via credit card. I asked for their mailing address and they stated that they are not willing to provide this info. XXXX XXXX with XXXXXX/XX/XXXX has been rude, threatening, and has harassed my family regarding a personal matter.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Upon reviewing my credit report, I discovered several erroneous entries. The XXXX credit bureaus are legally obligated to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting account as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable account listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX : {$17000.00}
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Upon reviewing my credit report, I found several inaccuracies. The 3 credit bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to disregard the validation of this reporting items as unverified information without providing any proof within the legally mandated timeframe. The following items must be investigated and corrected for erroneous reporting in my file, as they are listed on my credit report : 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
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$220.00}
Consumer complaint received 2024-10-04
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (TX)

On XX/XX/year> I called customer service because I could not access my online account to my prepaid card. Customer service told that appeared someone tried to make a fraudulent purchase on my account so they locked my online access. They told me they would unlock my online access and send me a new card in 5 to 7 business days once I verified my identity. On XX/XX/year> I went online to check my account and all my funds were stolen, the account showed XXXX fraudulent purchases made from another state. I asked customer service how this happened considering my current card was cancelled and they told me to called their fraud department who didn't contact me until XX/XX/year>. When I finally got through to the fraud department they told me that someone had used my identity to gain access to my online account and then created a virtual card in order to make online purchases, so they redirected me to the claims dispute department. I was not able to get someone in that department until XX/XX/year> when they finally filed my claim dispute. They told me that after a XXXX business day investigation that I could request a credit to my account if the dispute had not been resolved. This turned out to be false and now they are telling me I have to wait another 45 business days before the claim can be resolved and that they can not issue a credit because I missed the filing date.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently, I did an investigation on my credit report and found items on there to be inaccurate. Under 15 U.S.C Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information contained concerning the individual about whom the report relates. 15 U.S.C Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately 1. XXXX XXXX XXXX  - This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account 2. XXXX XXXX This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to request the immediate blocking and deletion of the accounts and inquiries listed below, as I am a victim of a recent data breach. This request is made in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Account to be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to be Blocked and Deleted : 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY (FL)

I just moved back to XXXX  in XXXX XXXX for work on XX/XX/XXXX. I previously used to live in XXXX from XX/XX/XXXX to XXXX of XXXX for work. When I lived in XXXX I was with TD Bank as it had crossborder banking between XXXX, XXXX, XXXX and the US. For the year and a half I was there I paid every bill on time, never had a missed payment as I made very good money and never had to worry about finances. When I was promoted for work to move back to XXXX I had paid off my last Visa bill and called TD to ask if there was anything pending on their end that I needed to know about before cancelling my Visa, closing my US account and removing all my funds out of the account and transferring back to XXXX. I was told there was nothing showing on their end and I was all clear. When I came back to XXXX  this past XXXX when I went to set up again my TD US account I was easily able to reopen a new account and get a debit card, when they went to apply for my Visa they said I had an owing balance of {$140.00} that was pending on my credit card from XXXX that went to collections and I had to pay off the owing bill before I could get a credit card. I approved the payment and paid it on XX/XX/XXXX as I had $ XXXXUSD in my TD account transferred over from XXXX . They told me it was paid. 5 weeks later I got a call from the Manager at TD Bank saying they made a mistake and didn't debit the payment and because of this it caused a credit report to come through showing this dropping my score so low that it caused me to have to pull out of a home I was going to purchase in XXXX XXXX. It has now been still reporting on my credit score since XX/XX/XXXX. After another month of credit reporting I noticed it was still there and sent in on XX/XX/XXXX a dsipute to TD to have it removed as it was paid off and it ws causing my credit score to continue reporting poorly because of this. Today my score without the report is at XXXX and with the TD reporting it is showing I have a XXXX score. Because of these issues with TD I lost a house, a mortgage, had to scramble to find a short term rental to ensure my XXXX XXXX XXXX wife and dogs weren't left homeless as this all transpired as they were coming down to move in to this planned newly purchased house. I am requesting your support it getting this silly charge removed as it is impacting my ability to buy a home that I have the money to purchase, I have built in 5 months a credit score of XXXX to XXXX as I spend a lot of money for all my restaurants, I have lost a home and a mortgage due to this as well as out of pocket for the house assessment and inspection. In XXXX I own two properties, have a credit score of XXXX and just want to continue building our families new life in XXXX  and TD is hindering me from that for mistakes they made back in XXXX and currently this year in XXXX. I would really appreciate your support with this! Thank you!
Consumer complaint received 2024-11-06
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)

My account 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.

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