davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
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. (SC)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

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

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

XXXX  anXXXX XXXX and XXXX are partners in the borrowing institution. The information from XXXX XXXX  never appeared on my credit report until the account XXXX was reported as a fraudulent account from XXXX There i request that Equifax and XXXX XXXX remove the account from my credit report as this matter was removed under XXXX  These are both under the same institution of borrowers. I have documents from XXXX which provides a accurate credit report under the FCRA. 15 USC 1681ei protect my consumers rights.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive always prided myself on being on time with paymentsnever missed one! So, its really frustrating to see a late payment reported for XX/XX/XXXX when that just didnt happen. Ive tried reaching out to the company, but it feels like Im talking to a wall. Other bureaus have already recognized the mistake and cleared it up, so Im asking you to do the same. Its just not fair to have this mark on my record, especially when its causing me so much stress. I really hope we can get this resolved quickly. Thanks! 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}
Consumer complaint received 2018-06-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Bread Financial Holdings, Inc. (CA)

I had a consultation with a XXXX regarding XXXX XXXX. To my surprise the charges I thought I was looking into were actually charged without my consent nor was I given any financial documentation. Such as lending agreements, disclosures, invoices for a treatment treatment plan, nothing.There is also a credit freeze on my Social so how they bypassed those security measures needs to be audited as well. When the bill came I began contacting the XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX advised me to go back to the XXXX which I did ask the front desk why I was charged when I had not yet agreed to the treatments. After this went back and fourth from XX/XX/XXXXto XX/XX/XXXX, I just agreed to the XXXX XXXX and then the XXXX I originally consulted with left the practice and I had to deal with an unfamiliar XXXX that I ended up not having any confidence in to adjusting my jaw and do any permanent long term XXXX work. I feel it is completely unfair that the patient does not have any control over who the attending XXXX  is for treatment or what or how things are billed without their consent. I have continued to dispute my dissatisfaction with the XXXX office and XXXX XXXX with no resolution. The XXXX  office has submitted false documentation to the lender that my XXXX  treatments had, " all services were received. '' which I never received all my XXXX trays so my XXXX treatment never could have been completed. The unethical practices of both the XXXX  office and lender seem to be in gross negligence.
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. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THISITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX
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. (MO)

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 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX -- Balance {$0.00} Account Name : XXXX XXXX XXXX : Account : Number XXXX -- Balance {$0.00} Unauthorized Inquiries 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 2024-10-29
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. (NC)

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX TransUnion : XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

15 U.S.C 1681 section 602 A. States 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 2024-11-06
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. (NY)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2018-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NC)

At some time in the past three or four weeks I applied for a credit card offered by Chase ( Manhattan? ) bank with an offer of Bonus Miles with XXXX XXXX if you spend a certain amount in a designated period of time. 
I have excellent credit and should absolutely QUALIFY for this card. I could ( & would ) meet their standards to earn the Bonus Milage but THEY decided I should not have this card because I have " too many credit cards. '' I asked to speak to a Supervisor and the first time, they told me, " they're not working today. ' Someone DID call me the next day telling me they could not approve me but they would have a Supervisor call me and then they never did. 
I did not realize that these companies were in the habit of 'parenting ' potential customers. 
My Credit History shows that I can and most likely WILL re-pay any amount I charge on a new credit card they afforded me. 
What gives them the right to deny me something they are offering based on the fact that other companies have decided to extend credit to me? I've accepted many of these offers BECAUSE of the fact that they come with 'perks! ' If, in fact, they really DON'T want you to be able to earn those perks, isn't that false advertising? I am as qualified as any of the people they've extended this particular Bonus to so how is it they are allowed to deny it to me? It seems wrong. Am I right?
Consumer complaint received 2018-06-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

XX/XX/XXXX - letter sent certified mail disputing accuracy of item XX/XX/XXXX - letter signed for by Experian XX/XX/XXXX - account was not marked with dispute
Consumer complaint received 2018-06-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America overcharged me interest on my HELOC. They calculated the interest with the wrong interest rate that was approximately 2.0 % higher than the correct rate. I noticed the error. BofA sent me a letter shortly after and acknowledged the mistake and commited to fixing it before I called them. I monitored my statements and the error was never fixed. I called them several months ago and the error still has not been fixed. I have trouble getting through to an actual person on their customer service number. Most calls their system does not recognize my account number. It has been 6 months and the error still has not been fixed.
Consumer complaint received 2018-05-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Premier Holdings (CA)

This Company premier holding address XXXX XXXX XXXX. XXXX XXXX XXXX XXXX TX XXXX and phone # XXXX. 
I had a person call me by the name of XXXX XXXX claiming that she was from Premier Holding and that I owed {$2400.00} for a credit card that I opened. XXXX told me that I was responsible for the amount because It was opened with my SS # and my name. I told her that I never open any account. and she stated that they would settle for the amount of {$780.00}. in 2 payments. so it sound to me that it was a joke. XXXX said that they would come after my property and my car. so I got some what scared. XXXX asked me to give her my Bank acct. # and I did but called the bank after that call and to put a stop to any withdraw from my bank with that that company name.
Consumer complaint received 2018-05-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

Over the past year Ive been struggling to make payments of XXXX per month. They keep making me do a forbearance and only offer me intrest only payments which are just a few dollars less than the actual payment. Then they told me I will no longer be able to be in deferment while in school come XX/XX/2018. So regardless of if I am in school I still have to pay this plus what I am paying the school I am attending. In addition, they keep increasing my interest rate!
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NC)

I have recently contacted XXXX XXXX regarding some late payments that I do not think is right. I was making all my monthly payments on time for the 12 month period and the creditor still reported me as being late.
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. (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.

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 2024-10-28
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 have identified information on my Credit Reports that are a result of Identity Theft. These items are not related to any transaction completed by me. I notice that this company XXXX XXXX XXXX is on my credit reports, I have no knowledge of this company, nither did I have any contract with them or nither do I have any signed agreement with this company. They are billing me for {$650.00} dollars on my credit report.

I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT AGAINST XXXX XXXX XXXX XXXX See ATTACHMENT
Consumer complaint received 2024-10-30
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 XXXX XXXX account # XXXX, has violated my rights. 

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.
Consumer complaint received 2018-05-15
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: CORELOGIC INC (TN)

I reported to Credco to investigate 2 hard inquiries on my XXXX  and XXXX  credit report and they found that the inquiries were to be removed since XX/XX/2017. Credco and I have fax and mailed numerous letters to remove credit inquiries ie Credco  ( XXXX XXXX ), Credco  ( XXXXXXXX XXXX XXXXXXXX ) and I have not get any results from any of the Credit Bureau and its becoming frustrated that these inquires has impacted my credit score
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. (NJ)

This is my second time writing this issue. I sent your company a claim last month XXXX XXXX, and I was very clear about which accounts were fake. There are still accounts on my credit report that shouldn't be there.
Consumer complaint received 2018-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been victim of a fraud to which my bank refuses to take responsibility of. On the XXXX of XXXX, I was given a check to deposit for XXXX dollars from which, I had to transfer XXXX to a supposed limo driver. The arrangements was that I would charge XXXX dollars for a make up service for a wedding, and the rest of the money would be transferred to this limo driver that would bring the bride and the best ladies to my place. The whole thing was a scam, and the check had not funds. The XXXX dollars transfer was made as arranged because the check when deposited was made effective right away and stayed effective for 5 full days before my bank which name is bank of america realized that the check had no funds, and withdrew the funds from my account overdrawing it. Now I'm have a balance of XXXX dollars and the refuse to do anything to help at all. I think they should take some responsibility for the fraud since it is because it took 5 full days for bank of America to realise that check had no funds that transfers to the supposed limo driver were made.
Consumer complaint received 2018-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NJ)

I have a checking account with TD bank, last year, I discovered there's a {$3100.00} fraud check written by another person, and the bank handed the money to them. I contacted the bank, and after about a month, the money was finally given back to me. Now my account looked over the book more carefully, and found out there's another fraud check for {$1000.00} posted in XX/XX/XXXX. I contacted the bank, filled out the fraud check affidavit, and to my surprise, the money didn't come back. I received a letter from XXXX XXXX, Their Sr. investigator. Telling me since I didn't report the fraud within 30 days of that happening, they're not giving me the money back. How is that possible, the bank made the mistake, and they are blaming me for not keeping an eye on my account? I have written to the bank 's chairman hotline email, there were never any acknowledge or response. This is bank fraud, plain and simple.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and delete company information from Equifax. Please delete the following accounts. XXXX XXXX XXXX bal. {$310000.00}, XXXX XXXX XXXX {$4600.00} and XXXX XXXX bal {$7100.00}.