davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
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. (NJ)

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-06-20
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: GOLDMAN SACHS BANK USA (FL)

We opened an account with Greensky to finance a home project. I set up my online account and added in my bank info for auto pay. I paid the first payment XX/XX/XXXX manually. Autopay was supposed to start XX/XX/XXXX. It attempted to pull the payment from my bank and then reversed it ( I did not know this ). My next statement ( XX/XX/XXXX ) stated that there was a payment due. I went online and checked and it said it was paid up to date. I assumed that it was a timing issue with bank transfer and due date. I get my next statement XX/XX/XXXX and it says I have a payment due AGAIN. This time I called the company ( this was end of XXXX, XXXX ), and at that point found out that the autopay wasn't going through ( error in their site ). They told me I needed to delete my banking info and put it back in, which I did, and added a second bank account as well. However, the account had gone 30 days late, 5 days prior to me doing this, and therefore a XXXX mark on my credit. The company said they called my cell ( but told me they didn't leave a message ) to let me know there was a problem. What is the point of contacting the consumer if you aren't going to actually make contact? They did email me, but their email had gone into spam. My personal email gets a LOT of junk, and I didn't see it. My credit was perfect before this. It dropped from XXXX to XXXX because of this company. This was not my fault, I take my credit health very seriously, and have worked very hard to keep my credit in excellent status. Greensky was not willing to help me, nor take any responsibility for the technical errors with the autopay. This has destroyed my credit. We are in the process of building a home and this is a real problem. I just want it removed and my credit restored back to what it was. I NEVER pay anything late.
Consumer complaint received 2023-08-13
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. (VA)

Duplicate reporting on all 3 credit bureau credit report. Since XX/XX/XXXX amt {$970.00} the original creditor charge off and sold the debt to a collection agency on XX/XX/XXXX. XXXX, Experian, XXXX are reporting the same amount of {$970.00} twice on my credit reports. This is a major issue for me.
Consumer complaint received 2023-08-13
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. (VA)

Duplicate reporting on all 3 credit bureau credit report. Since XX/XX/XXXX amt {$970.00} the original creditor charge off and sold the debt to a collection agency on XX/XX/XXXX. XXXX, XXXX, TransUnion are reporting the same amount of {$970.00} twice on my credit reports. This is a major issue for me.
Consumer complaint received 2024-10-12
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)

My account with XXXX 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. 


XXXX 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 2023-09-01
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-01
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Army and Air Force Exchange Service (FL)

Military Star Card contacted my XXXX command via paper mail directly to my Commanding Officer, which caused disciplinary problems for me. According to 15 U.S. Code 1692c ( a ) ( c ) - Communication in connection with debt collection, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ; at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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

1. 
XXXX XXXXXXXX Date of inquiry : XX/XX/year> 2. 
XXXX XXXX Date of inquiry : XX/XX/year> 3. 
XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I've been filing complaints against this company repeatedly because they can't seem to manage my consumer file correctly. In my last complaint, they told me that Chexsystems had no information about me, which is simply not true. When I checked my Chexsystems account, I found over XXXX different accounts they claimed were clear. 

Today, on XX/XX/2023, my concern is about a message they sent through their website. Initially, they told me they hadn't removed my dispute with XXXX due to accuracy, but just XXXX minutes later, another message stated that it was removed from Chexsystems. To understand the situation, I ordered another consumer report and found numerous inaccuracies. This is the primary reason for my new complaint. 

Their communication doesn't match what I see. They initially told me and the CFPB that I had nothing on my file, yet I still encounter numerous inaccuracies. This company isn't meeting its obligations and isn't being fair. If I were to try opening a bank account now, I might face denial due to this confusion. They claim I'm clear, which further complicates the issue. I'm not sure if my report freeze is causing this problem, but I've requested my security pin and am awaiting it. I will certainly question what the agent told me and the CFPB. 

They should provide me with the information that banks send, not fabricated bills. I've reported identity theft, and although it may not be directly linked to Chexsystems, it's crucial for my identity theft claim with other banks and credit reporting companies. If there truly were nothing on my report, as they claimed, I wouldn't need an identity theft report for them. But I'm dealing with banks and accounts unrelated to Chexsystems, and that report supports my identity theft claim. Chexsystems should consider my disputes of inaccurate information, names, and addresses throughout the year as they assess my identity theft claim. 

I plan to write a letter to Chexsystems to collect all the names and addresses I disputed this year. This will assist me in my identity claim when I make my police report. Dealing with this company is time-consuming, frustrating, and feels like my rights are being violated due to these inaccuracies. I've been dealing with them for quite some time, and it's an ongoing issue.
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I assume due in part to the Covid-19 Epidemic, Citibank has closed my Citi " Thank you '' Master Card and Citi " Costco '' Visa credit card. They are not willing to assist with deferments and are also reporting the month of XX/XX/2020 as being late. 

I called on XX/XX/XXXX and was informed they would investigate. They sent a letter stating that simply they are not able to correct or open my credit card accounts after closing them. They said they would not offer me any assistance because the accounts were closed status. They would not open the accounts, and would not give me good reason, yet they also said I should request such matters through a credit reporting agency, as in XXXX. 

Today I check the status of my credit card on my CBR and called Citibank regarding my Card # XXXX. Citibank informed me that they were not willing to assist with reporting flags as related to the natural disaster as they were not the credit reporting bureau. It has been a circular push from Citibank to send me to the CBR and the CBR is saying they simply reflect what Citibank is  informing them. 

As the world continues to cope with the impacts of the COVID-19 crisis, government officials throughout the U.S. have taken important steps to curb the spread of the virus. At the same time, many businesses, financial institutions and government entities are stepping up to provide some relief to those who are worried about their financial security. However Citibank is not. 

Lenders that report data to credit bureaus as required by the Coronavirus Aid, Relief and Economic Security ( CARES ) Act will not cause consumer credit scores to go down. XXXX  supports the CARES Act and is urging all consumers who are in financial distress as a result of COVID-19 to contact their lenders and reach an accommodation. Citibank does not accommodate even during a global Pandemic.
Consumer complaint received 2023-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

on XXXX i deposited XXXX dollars into my account with an ending balance of XXXX which gave me an ending balance of XXXX a couple of hours later i had nothing in my account when i went to the bank the told me that a judgement was placed on my account for my girlfriend who i have been with for ten years, we have a joint account because she needed a debit card for her and our son in case of emegencies. i am the sol provider for my family. on XXXX a legal notice was delivered to the bank for my girlfriend saying she owed money from XXXX which was in a laywers hand and then sold to another in XXXX who claim to have verified an address that she hadnt lived in for years, and had a judge sign off on a judement without even going to or recieveing notice for court.so on XXXX they held XXXX dollars from my account and then charged me a legal fee of XXXX dollars. then when my check cleared they removed another XXXX dollars and another XXXX dollar legal fee and that was done on XXXX i went to the bank and spoke to some one who refused to show me any legal document but gave me a phone number for the laywer and a number for wels fargo and waas told they couldnt provide me with any addition al information. when i called wells fargo i spoke with there legal team who informed me that the bank could have given me the information that i requested so i was lied to by the bank about what information they could have given me. i have a joint account and am not responsible for my girlfriend debts from before we met i am the only one putting money in the account. after being told i could not dispute or get a refund on legal fees or the money taken from the account and me calling and complaining i recieved a XXXX dollar refund to my account on XXXX and also recieved a XXXX dollar check in the mail which was deposited in XXXX for some banking protection i never knew i had
Consumer complaint received 2020-06-13
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: Commonwealth Financial Systems, Inc. (FL)

HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE!

THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.
Consumer complaint received 2024-11-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (VA)

My mom put an overdraft protection on my bank card ever since Ive had navy federal but anytime my balance hit XXXX they charge me a fee multiple times even tho my account has overdraft protection just recently Ive noticed it has not done that anymore but Ive been a navy federal member for years and these past few months is the first time I have not seen the extra fee come out now what my account does is take money from my savings account to finish paying off the balance
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

I made a payment of XXXX dollars through the XXXX XXXX affiliated with the America first credit union on XX/XX/scrub>XXXX XXXX XXXX The bank took my money but was not received or sent, giving a negative result from both banks. The data and numbers of the receiver were correct. Now no bank ( XXXX XXXX and XXXX XXXX ) is responsible for the loss of funds claiming that the counterparty is responsible and vice-versa generating multiple damages to me. I hope I have an early answer please.
Consumer complaint received 2024-10-11
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. (NV)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-10-11
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. (LA)

This account is a certificate of indebtedness ; it is now considered income and income can not be reported on any credit report. XXXX XXXX XXXX, account number XXXX, has violated several of my rights as a consumer. Furthermore, the sale or sharing of my personal information to a third party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

This also violates the Gramm-Leach Bliley Act ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the Gramm-Leach Bliley Act, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent.

Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account.