davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
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. (TX)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2020-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (WY)

PLEASE STOP, THIS IS NOT MINE THIS IS A CASE OF MISTAKEN IDENTITY. I HAVE I FILED A COMPLAINT WITH THE CFPB AND THE FTC. STOP TRYING TO IMPUGN MY CHARTER.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

Experian received a certified letter concerning inquiries that I did not authorized. They have yet to respond to my request. They have the wrong person, and I expect Experian to investigate this claim and delete these inaccuracies.
Consumer complaint received 2020-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I retired XXXX XXXX of this year, I got online and look at my account balance. {$86000.00}. I wrote a check to them on XXXX XXXX for that balance and mailed it ... .on XXXX XXXX I called PHH Mortgage and asked if the check was received, he said yes. The person on the phone said give them 10 days to process the check..OK. Called 10 days later and I was told they would submit a request to pay the account.OK. Called again was told they can not accept a personal check, I said OK, send the check back..was told they would put in a request ... Called again 7 days later and was told that was not the balance, I said that is what the computer said, how can I have a different balance? Continued e-mailing and calling to get my personal check back ... I will put in a request ( This was there go to answer for everything ) I called again in XXXX and wanted to know where my check was and send it back. They send an -email stating again they don't accept personal check ... I responded by saying " send it back '' this went on for a couple weeks. I stared depositing money into the balance, I got it down to {$160.00} over the course of 3 weeks. XX/XX/XXXX I received a letter saying it had to be paid by the XX/XX/XXXX. Then on XX/XX/XXXX, the balance jumped to $ XXXX..I called and asked why? With all the monies I have paid I am paid until XX/XX/XXXX. In the mean time I received an e-mail saying they were sorry, but they lost my personal check and put stop payment on it. ( more money ) .. Then I called again asking why my account jumped from {$160.00} to {$430.00} and again was told they would " put in a request '' and find out ... .NOW I am not a happy person .... 
Then in XXXX, one of the guys suggested to use my escrow to pay it off..I have a total of {$770.00}. and paid another {$620.00} ( online, because that is what they said I owed ) now they have {$1300.00} in overpayments. Called again when it was not paid in full. I called and spoke to a woman and she also said " I will put in a request '' to pay it off. I asked her why my account jumped from {$160.00} to {$430.00} and again was told " I will put in a request.. she said call back in 3 business days..ok Called again on XX/XX/XXXX, and spoke to a man and he said ..it is just sitting there..I will put in a request for payment ... .ok I received an e-mail on XX/XX/XXXX, apologizing for the inconvenience, give them 3 business days to resolve this and in 10 business days all extra money would be refunded ... Nothing has been done ... ..I called XX/XX/XXXX and said nothing has been done ... .and again he said I am looking at this, I don't know why nothing has been done. I will personally find out what the problem is and call you by the end of the business day ... ..No phone call ... And now I am writing you
Consumer complaint received 2020-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

XXXX XXXX here- Hope could you help me wit a issue Im having with my fifth Third bank- I deposited my personal income tax refund & a day after funds cleared, they froze funds for no justifiable reason. On the grounds that its was thought to be a fraudulent check because I wrote a money order. 

I feel as though it may be an aspect of racial profiling to this situation due to when I went to an Indiana branch of and as I sent in my deposit slip & identification into the teller- I was met wit a barrage of odd questioning & suspicion souly due to the amount I was depositing ( {$22000.00} ). I was asked why didint I have direct deposit & why were my funds in check form. 

From there, I was told I would not be allowed to withdraw the funds I wanted to & that the check would have to undergo further investigation in Fifth third back room - and that they branch had had a lot of fraudulent tax refund check & that Id have to assumed to be doin something nefarious. 

A day after my account was frozen & was instructed to contact fraud department where I received the same line of odd question & asked to send over documents I didnt think were pertinent to the investigation. 

I was told by investigator XXXX XXXX he thought it might be a situation where I mightve withdrew funds for the purpose of giving a portion to someone I met on XXXX. 

Which completely floored me- I was told that theyd have to send my funds back to the IRS & close my account & id have to talk to the IRS for more answers. 

I was also asked to send document like my 1040 to prove that I was receiving the appropriate amount from the IRS. Which I took as flat out racial bias, that a XXXX XXXX man like myself could not possibly legitimately file & received a refund for this amount. 

Theyve now closed my account & claimed to sent funds back to the IRS on the grounds that theyve made a business decision. 


Fifth third bank has a history of racial descrimnation & I cant believe they are employ these type of practices during a time in our country like this. 

As a consumer Id love you help in this matter. 


Sincerely XXXX XXXX Fifth third investor over my case- Investigation Supervisor XXXX XXXX XXXX
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (GA)

One Main Financial is reporting an erroneous account that they are unable to validate through numerous requests. I demand removal of this questionable collection account that is being reported to XXXX, XXXX, and XXXX. 

ONEMAIN FI XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XXXX, XX/XX/XXXX, I attempted to change my password with Transunion while logged into my account and using the Change Password screen. I received an error that my current password was not correct. I checked to make sure I was using the correct original password and got the same error. 

I chatted with their support team, who instructed me to log out and change my password using the " Forgot Password '' link. This worked. I also asked them to notify their website security team of this potential vulnerability ; in response to that request, I was asked to email XXXX with the details. 

I received a response from XXXX at XXXX on XX/XX/XXXX informing me that they would not be able to help, and redirecting me back to their general customer service contact. I let XXXX know that I already discussed with them, but have not received a response.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: KEYCORP (OH)

Early this year, I received a credit card, which I thought was attached to an existing KeyBank joint checking account. I activated the card and charged {$4.00} at XXXX XXXX. All cards associated with our accounts at KeyBank are paid, in full, on line and on time. In XXXX, I received a letter, indicating " the minimum amount due '' was not paid. I spoke with customer service representative, XXXX  ( ref XXXX ), who told me this is an unsecured credit card, not associated with my personal checking account. As I had not requested such a card, I asked that the card be cancelled and the account closed. I asked him to remove the late fee, as I never received a statement. He said it was an " on line '' process. I asked where this account exists on line, as this card is not showing when I log onto the KeyBank site. I asked for a paper statement so I could pay the {$4.00} owed. I received a letter about a past due account instead. I called customer service again today and was told by XXXX that the call with XXXX was " not properly closed '' so, although the account was closed, no statement was sent and I could get the information on line. I asked if she could tell me how to access this, she said she could not and transferred me to another representative. The call was dropped after our initial introduction.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have provided transunion with my correct name and account information 5 times since XX/XX/XXXX. 

Mail XX/XX/XXXX, Certified Mail XX/XX/XXXX, Phone call XX/XX/XXXX Priority mail XXXX/XXXX, Online dispute XX/XX/XXXX, Call XX/XX/XXXX to XXXX, Call XX/XX/XXXX XXXX My name and addresses are NOT correct I have provided my ID and my divorce decree by mail. I have accounts on there that are not reporting correctly, and they have my student loans as negative accounts. I have never missed a payment, if they are deferred or in forbearance they are not late or delinquent. 

I did my online dispute the company said you would be able to upload documents on XX/XX/XXXX it did NOT let me upload but said could fax if issues or Transunion needed me to provide information. I called on XX/XX/XXXX & XXXX-The agents last one XXXX did not even take my information refused just asked what I needed. Both refused to give me a fax to provide ID and divorce decree to although the website confirms they have a fax number. 

Transunion is being allowed to report information that negatively impacts both my credit score and my ability to purchase things or gain credit I need for myself and my children ; especially during COVID-19. They are doing so by not acknowledging items such as government issued IDs and divorce decrees to fix these issues.
Consumer complaint received 2024-10-03
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. (TX)

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

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  XXXX - Account Number : XXXX Unauthorized inquiries : XXXXXXXX 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 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and 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 reported in MONTHS REPORTING LATE to be removed 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.

This company 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!

Delete the late payments from my consumer reports.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me. 

BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Consumer complaint received 2024-09-12
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. (NJ)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2020-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I deposited a check from my grandfather in the amount of {$1000.00}. He sent this money to help me as I am a single mother who has been laid off due to Corona. The check was put on hold, with out {$200.00} rule being observed. The check has posted to my grandfather 's account as of XX/XX/XXXX. The funds are on hold until XX/XX/XXXX despite having already cleared. These funds are desperately needed, and even though the check has been cleared, the bank is still hold guaranteed funds. I have received no help, in even getting the first {$200.00} made available as per reg. Cc.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

I am not familiar with this item on my report and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and are not my account. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.