davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MD)

I have been a Costco member for years and used a Citi Costco Credit Card ( ending in XXXX ). My card expires XX/XX/XXXX. The recent period has been difficult financially for me. However, I always pay the minimum. In addition, I did not violate any rules or make any mistakes. On XX/XX/XXXX, I received a notice stating that a new card would not be issued after it expired. The reason is my low credit score. 

Now, here is the question they need to answer : can they take any action outside of the agreement between their card users and their company? The agreement never states that if a card user has a low credit score and has an outstanding unpaid balance, even if the user has kept paying the minimum, the credit card company has the right to reject reissuing the credit card after expiration. 

I have many other credit cards, such as XXXX XXXX, XXXX, Citi Simplicity, Citi Double Cash, etc. They never did it to me. I called them, asking whether there is a process for getting approval when they need to reissue the credit card after expiration. They said reissuing the card is automatic, no need to check your credit score or depend on it. 

I called the CITI Costco Credi Card company twice. At first time, they asked me to reapply for the card. Later, I received their letter, where they used the same reason to decline to issue a new card. On XX/XX/XXXX, I called them again, stating that you closed my credit card account and refused to reissue the card after it expired. That action is outside the agreement. Your company has no right to do it. I asked the representative : " Am I right or wrong? '' " If I am wrong, please show me the clause in the agreement by which your company can close my account. '' The representative was silent. Then I asked her to write down a note regarding my concern, forward it to her supervisor, and let the supervisor call me back the next day with the answer. I didn't get a callback.
Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (KY)

This is a violation of the Fair Debt Collection Practices Act ( FDPCA ). 1. Received no communications from LVNV Funding LLC at anytime. No Phone, No mail notification. 2. Never verified this debt with me before reporting to the credit bureaus. 3. Didnt provide me with an oppurtunity to dispute this debt before reporting to the credit bureaus.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Indie Technology DBA Found (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I opened a Found business checking account to manage my funds from my business. At the time of opening the account, I was not required to have a EIN for my business. The Found app stated that I could receive payments by invoices, XXXX, XXXX, XXXX XXXX or by cash. The age range for the majority of my customers is between XXXX XXXX XXXX  years old so they typically pay me with either cash or XXXX XXXX I have accepted payments this way for nearly two years that I've had the account. Then on XX/XX/XXXX  my account was frozen with a message that stated it was frozen due to unusual activity. I don't understand why my account was frozen when ive been doing the same type of transactions that i have been doing in the 2 years that the account has been open. I reached out to the Found app customer service to address the issue. I have received numerous emails from different employees that asked me to explain the nature of my business, which I did. I was then asked to provide documentation for a transaction, which I did. I was then asked to provide my EIN number. I stated to them that I don't have XXXX and that as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I'm not required to have one. I also stated that it wasn't a requirement when opening the account. After all that my account is still frozen and they refuse to give me a phone call to work on a solution.
Consumer complaint received 2024-08-16
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)

According to the Fair Credit Reporting Act ( FCRA ), I have the right ti dispute inaccurate or incomplete information on my XXXX XXXX. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any information from my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these 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 XXXX XXXX Sec XXXX ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act there should be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

XXXX XXXX  opened XX/XX/XXXX XXXX XXXX XXXX collecting on behalf XXXX XXXX opened XX/XX/XXXX
Consumer complaint received 2024-08-16
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 with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX 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 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.

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!

Delete the late payments from my consumer reports
Consumer complaint received 2020-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CT)

We are trying to remove PMI and have satisfied the terms of the mortgage agreement. 

The date the principal balance actually reaches 80 % of the original value of the property, based solely on your actual loan payments. We are past that point now and New Rez ( lender ) refuses to remove PMI.
Consumer complaint received 2024-08-16
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. (NC)

ACCORDANCE WITH USC 1681a2 1 DIDNT GIVE WRITTEN CONSENT TO HAVE THESE ACCOUNTS ADDRESSES NAMES TO BE FURNISHED ON MY XXXX TRANSUNION XXXX CONSUMER REPORT ACCORDANCE WITH 15 USC 6801 a b 1 2 3 4 PROTECTION OF NON -PUBLIC PERSONAL INFORMATION I DIDNT GIVE WRITTEN CONSENT! ACCORDANCE WITH USC 6802 a b c d e OBLIGATION WITH RESPECT TO DISCLOSURE of personal information USC 6803 I never signed any disclosures forms given written consent.
Consumer complaint received 2024-08-16
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. (CA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Why is it so difficult to unfreeze my credit? You got in the way of my car purchase. You got in the way of my new home purchase. This isn't right. I have over 30 years of experience in the IT industry and am able to navigate XXXX very easily. TransUnion made me think of every not so tech savvy person out there, struggling to get by. The stuff I'm waiting on doesn't matter... I already have a home, I already have a car. But, what about the people that don't? This isn't right. It took me SO many attempts. Finally, I called. I waited on hold for more than 30-minutes. Finally, I was connected to the most amazing woman, her name was XXXX. XXXX stepped up and finally was able unfreeze my account. I purposely pretended to struggle to see if she would give up on me. I asked silly questions. I added fake delays and stutters to see if she would give up on me. She did not. XXXX, does not give up. XXXX, is the best asset you have. Every other piece of technology TransUnion has invested in is hot garbage when compared to the caring, compassionate person I found on the other end of the line. The world needs more people like XXXX. I wish I could met XXXX  someday, I wish I could just say thanks again. Thanks again, XXXX. You're amazing. Be well. And to everybody else at TransUnion, shame on you. Shame on you for your atrocious business practices. You don't deserve to call yourself a credit reporting agency. You stifle innovation and progress. TransUnion, you ... XXXX.
Consumer complaint received 2024-08-16
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)

I need immediate attention regarding this problem since it is very alarming. There are items on my credit report that have resulted from fraud to which I never benefitted from. These companies pulled up my credit report without my authorization, It is stressing me and making me anxious on why and how this happened. I have reported them to the federal trade commission but they are not removed from my report.
Consumer complaint received 2024-08-16
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. (NV)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX informed me that the company was closing all of its accounts after being informed and having some of my balance returned to me. The account and payment history in XXXX  were all current prior to closing, but the account is showing as a negative closure. 

I have repeatedly called XXXX, and emailed XXXX for several months now and I have received no response. 

Please review the email pdf attached to understand how we were informed of their closure.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am personally submitting this complaint regarding late payment entries on my credit record. Upon examining my files, I discovered these late payment notations. Despite sending correspondence about this issue more than a month ago, I have received no reply, nor has adequate validation been provided. I now request your help in addressing and resolving this situation swiftly and efficiently.
Consumer complaint received 2024-08-16
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. (TN)

Insufficient Investigation Results and Failure to Provide Verification Details To Whom It May Concern, I am writing to express my dissatisfaction with the outcome of your recent investigation related to my credit report In my original dispute, I requested that you provide detailed information regarding the verification of the bankruptcy listed on my credit report, including the name and contact information of any third parties involved in verifying this information. According to the Fair Credit Reporting Act ( FCRA ), you are legally obligated to provide this information in writing, explaining the precise process and the sources used to validate the information. 

However, your response only directed me to log on to your website to obtain these details. This does not comply with FCRA requirements, which mandate that you provide the following directly : 1. The name, address, and contact information of the third party that verified the bankruptcy information on my credit report.

2. A detailed explanation of the investigation procedures you conducted to verify this information.

3. The method and evidence used to validate the accuracy of the reported bankruptcy.

Failure to provide this information violates my rights under the FCRA. Therefore, I am requesting that you immediately comply with your legal obligations and provide the information requested. 

Should you fail to provide this information within 15 days, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General 's Office for non-compliance. 

Please consider this my final request before I escalate the matter further. 

Sincerely, XXXX XXXX [
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

After the XX/XX/year> massive data leak of social security numbers, I called all XXXX  XXXX  credit bureaus to place a freeze. 

TransUnion disconnected me in the middle of the call after I had given them sensitive information. After saying my SSN, the recorded voice said " we are unable to verify your identity '' and hung up the call.

That was alarming, and suspicious, especially because I do NOT like giving out my social security number on the phone.

I really do want a freeze because the SSN data hack is a huge problem, so I called back. After I verified my identity AGAIN ( and had to both say AND enter my information before it was accepted by the automated system ), there was a pause and then the recording said " your credit has been frozen '' and returned to the main menu. 

The other two agencies provided CONFIRMATION with a case number and an email that my credit had been frozen. TransUnion did not confirm, did not give me information about how to unfreeze, and did not allow me to contact a person or backtrack in the process to get confirmation. 

I do not trust that TransUnion has frozen my credit, I do not trust them with my information, and I would like the CFPB to do something to protect consumers after this SSN leak. I am a better educated consumer who has the time to call all three agencies and sit through interminable automated system processes -- most Americans are in deep trouble after this hack. And that is really not acceptable.
Consumer complaint received 2024-08-16
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. (NV)

On XX/XX/year>, I reviewed my credit report and noticed that a late payment was incorrectly reported. This payment was supposed to be marked as on time. Prior to this, I had communicated with the creditor, and we agreed that I would not be marked late due to personal circumstances unrelated to the pandemic. Despite this agreement, the late payment was reported. 

XXXXXXXX XXXX XXXX XXXXXXXX I sent a letter to TransUnion requesting that this issue be corrected, as it is inaccurately affecting my credit report. However, TransUnion responded by stating that everything is reporting correctly, which is not the case. 

Pursuant to 15 U.S.C. 1681s-2 ( f ), I am seeking assistance in resolving this matter. The continued reporting of this inaccurate information is not only incorrect but also in violation of my rights under the Fair Credit Reporting Act. I respectfully request that this situation be investigated and the incorrect late payment be promptly corrected. 

Thank you for your attention to this matter.
Consumer complaint received 2024-09-04
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: EQUIFAX, INC. (FL)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 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: EQUIFAX, INC. (CA)

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 THIS ITEM? 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 XXXXXXXX XXXX XXXXXXXX