davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
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. (OH)

Legal action will now be taken as of XX/XX/XXXX Not only has these illegal accounts was obtained fraudulenty they continue to still report illegal charge offs/late payments as of XX/XX/XXXX. I have disputed these accounts since the begging of XXXX. This is final warning this is totally illegal for XXXX, Transunion, and XXXX to keep reporting these illegal cards that were obtained in XXXX. Numerous attempts to keep constantly reaching out. My lawyer will be reaching out to XXXX, XXXX, and TransUnion. All of the attempts to settle this has been ignored. Will be looking to sue for compensation and damages based off initial dates this claim was sent. Remove these illegal accounts off TransUnion, XXXX, XXXX. This has been a whole year and this is last warning. It is ILLEGAL for CREDIT BUREAUS to KEEP REPORTING FRAUDULENT ACCOUNTS! 

This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX {$150.00} This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX {$150.00} This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-06
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. (OH)

Legal action will now be taken as of XX/XX/XXXX Not only has these illegal accounts was obtained fraudulenty they continue to still report illegal charge offs/late payments as of XX/XX/XXXX. I have disputed these accounts since the begging of XXXX. This is final warning this is totally illegal for XXXX, Transunion, and XXXX to keep reporting these illegal cards that were obtained in XXXX. Numerous attempts to keep constantly reaching out. My lawyer will be reaching out to XXXX, XXXX, and TransUnion. All of the attempts to settle this has been ignored. Will be looking to sue for compensation and damages based off initial dates this claim was sent. Remove these illegal accounts off TransUnion, XXXX, XXXX. This has been a whole year and this is last warning. It is ILLEGAL for CREDIT BUREAUS to KEEP REPORTING FRAUDULENT ACCOUNTS! 

This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX {$150.00} This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXX XXXX XXXX Date Opened XX/XX/XXXX {$150.00} This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WI)

there is a collection on my equifax credit report, # XXXX it was only a checking account and equifax has it listed as a credit card or loan??? how can that be on a checking act only??? Secondly I have paid the XXXX $ and was told to file a dispute. I just got the paper work from the bank. How do I get a hold of equifax?? I would prefer to do by phone??
Consumer complaint received 2024-09-07
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. (GA)

These items were not authorized by me, and I did not grant permission for these items to be included in my consumer report. The realization that such inaccuracies could jeopardize my financial standing is deeply distressing. According to 15 U.S.C. 1681b, there are strict guidelines on the permissible purposes for which consumer reports can be furnished. I have never initiated a business relationship with the above-mentioned creditors, nor have I given them explicit permission to access my credit information.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2015-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I am having issues with Experian. I am trying to get a hold of them because I have an identity theft issue that I have been dealing with. Around XX/XX/XXXX or so I sent in a copy of my identity theft police report due to my personal information being used to open up fraudulent accounts in my name. I found on my report a fraudulent account that was established with XXXX XXXX XXXX XXXX, and XXXX XXXX Account # XXXX. I have tried to get through on the automated system to speak to someone and I have not been able to get a hold of someone but it tells me my report number is not valid. I tried to communicate with them through the online upload portal and the site is giving me a mail in form. I need to get these XXXX accounts removed from my credit report as soon as possible.
Consumer complaint received 2015-07-11
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (DC)

We received pre-approval for a mortgage from CitiBank in XXXX. During the pre-approval process, they were very responsive. However, once we had a ratified contract for a house, our loan officer because very slow to respond to questions. We asked for specific details on the timeline but our questions were frequently ignored. We communicated early that they would need to coordinate with our second trust lender, but they failed to do so. In the week leading up to our originally scheduled settlement ( XXXX XXXX ), we could not get anyone on the phone or to answer our emails to coordinate the final part of the process. Finally, I called the Citibank national helpline and got connected via email to the manager or our loan officer. The manager was similarly unresponsive after an initial email and we ended up missing our settlement date. We had arranged settlement for this Friday before XXXX XXXX weekend so we would have time to move into our new house. We had family coming in from out of town to help and movers scheduled to arrive. We failed to even get anyone on the phone to explain to us what was happening. Finally, the following Tuesday night ( XXXX ), our realtor was able to find out from the loan officer 's manager that our loan officer had quit the day before our scheduled settlement. When we still could n't get this manager on the phone, I had to call the Citibank national hotline again. Eventually, they connected me to the regional manager who finally told me our loan settlement would be delayed until at least Friday, XXXX XXXX. We rescheduled our movers again, but Citibank again could not close. At that point, we were already required to be out of our apartment. We finally closed on XXXX XXXX, but at that point, my wife and I had to take 3 days off work trying to coordinate the constantly shifting timeline and move and we had to remain in our apartment past the day we were allowed to. We ended up having to move everything with only one person to help because the timeline shifted from a weekend to a weekday. Throughout this process, Citibank was dismissive, unresponsive, and only got back to us after we called their national helplines or escalated to supervisors.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I filed a complaint with Cfpb a few days ago regarding what I believe to be an intentional event where Transunion, XXXX and XXXX are intentionally keeping my credit scores as low as possible due to the fact that I am an XXXX XXXX. I recently paid on two-3 credit cards and loans that usually report by the XXXX of the month when my balances are high, however, now that I have paid off my balances their has been no updates on my credit report or score and it is the XXXX? I am trying to purchase/rent a home and if someone is intentionally delaying reporting is this illegal? I am wanting this complaint added to my initial complaint and sent to all three companies for a review of my account and score. I want my score increased if needed.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Recently I looked at my a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I'm asking you to verify as accurate : XXXX Account Number : XXXX
Consumer complaint received 2015-07-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: John C. Bonewicz, P.C. (IA)

XX/XX/XXXX I received a letter from the law firm of John Bonewicz for demand of a XXXX account that I never opened. 
I wrote them a letter explaining that this debt was not mine and requested verification of the debt and more information about the account in which I never received. 
XX/XX/XXXX I started receiving harassing phone calls from this debt collector on my cell phone ( which to this day I have no idea how they got that number for I never gave it to them ). 
On XX/XX/XXXX I received a letter ( notice to cure ) from the law office of John C. Bonewicz stating that I failed to make the agreed payments and was in default. First off, I never agreed to anything or entered into any type of contract with the law office of John C. Bonewicz or their client XXXX XXXX or the cited original creditor of XXXX. Secondly their citing the date of the last payment was about 4 1/2 years ago and I have never paid anything on this debt. They sent me XXXX different letters XXXX demanding a payment of {$4600.00} and another letter demanding payment of {$1500.00} ( XXXX letters arrived on the same day ). 
I am on XXXX and food stamps and own nothing so even if these debts were mine ( which their not ) I could never come up with that kind of money.
Consumer complaint received 2015-07-11
Product: Credit card — 
Issue: Balance transfer — 
Company: DISCOVER BANK (OH)

I was offered a promotional balance transfer rate of 0 % APR for XXXX months from Discover Card. I accepted the offer over the phone and transferred the amount of {$2800.00} to my Discover Card. At no point was it clearly communicated that all other future transactions would be charged interest from the moment of the transaction until the monthly payment was made. I believe it was Discover 's intent to deceive me. When I called to ask them to fix what I believed to be a mistake they claimed that the terms of the balance transfer I had agreed to could not be changed and they would continue to charge interest daily on all of my purchases. Even though I have been paying the full amount of new purchases plus an extra {$200.00} each month they are still charging interest.
Consumer complaint received 2015-07-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TX)

I have been asking my mortgage company GREENTREE LENDING for a loan modification several times and they deny me for no reason at all. They never give me the chance to fill out the application. They just say that they ca n't give me a modification. My payments are over XXXX a month. This is causing great stress. This is a XXXX account. I never wanted my mortgage with GREENTREE LENDING. However it was transferred right under my nose
Consumer complaint received 2024-09-06
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. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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

My account with XXXX XXXX XXXXis 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 30 DAYS 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 XXXX XXXX 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 XXXX XXXX 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 2015-07-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OR)

I asked XXXX Male official with Chase Bank should bring me to XXXX XXXX XXXX discuss with me in confrontation for opening bank account, I want XXXX male helps with me in banking service so I had difficult enrolling banking check account. I do not want be alone with difficult enrolling checking account, so I prefer that XXXX Male with Chase Bank official in high position helps working with me in Chase Bank procession that I need account number and routing number. XXXX Male Chase official did not meet with me in conformation, so I wait and unhappy with that I did not hear from Chase Bank. Why I had upset with someone did not show up. I felt bad disappointed with XXXX male did not show up .. I do not want alone filling out online and I do not want alone walking to Chase Bank that I am very afraid if there might or might not discrimanated against my appearances and XXXX ( XXXX ). I just horrible upset that I did not get {$750.00} and i was unhappy with XXXX XXXX XXXX. I do not want any XXXX worker at Chase Bank. I prefer XXXX Male works with me in ordering to open new account and I want XXXX male helps calling U.S. Department of Grants & Treasury in Washington, i had their contact name and business that allow Chase Bank Male official finds out and help me with routing and account numbers, give me Chase Bank Mobile, please please please please Chase Bank helps with me in opening account, possibilities.
Consumer complaint received 2015-07-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

I was denied access to my funds at the Chase branch located at XXXX XXXX XXXX XXXX, NY XXXX. I was a victim of profiling and discrimination at this location and forced to use another Chase branch to conduct my transaction. This event has caused me a lot of pain and suffering and will be considering legal action.
Consumer complaint received 2024-09-06
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. (GA)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX
Consumer complaint received 2024-09-06
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. (OH)

I am writing to dispute the following XXXX information in my file. I have reviewed my credit report and identified inaccurate or outdated information that I would like to have corrected or removed under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681.
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. (PA)

My account with XXXX XXXX XXXX XXXX XXXX XXXX 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 in XXXX AND XXXX 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 XXXX XXXX XXXX XXXX XXXX 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 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-06
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. (FL)

I am not responsible for the CHARGE OFF WITH XXXX XXXX. My Credit Report is being used incorrectly as this company as sold my debt to a debt collector by the name of XXXX XXXX XXXX XXXX, XXXX and I didn't receive a 1099-C either. This goes against consumer rights including 15 USC 1681 ( e ) B and I will be furthering legal action.