davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
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. (FL)

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  has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2017-08-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Bread Financial Holdings, Inc. (MI)

I was offered credit to purchase a pet at XXXX XXXX XXXX in Michigan. They told me there would be 0 % interest for the first 6 months. They did not make clear that if the balance was n't paid in the 6 months that I would be charged interest based on the original balance. On a balance of $ 3000+ I made 30 % + of the full payment with no interest to try to get the balance as low as possible assuming I would be only charged interest on the remaining balance. 

Unknowingly after the 6 month period ended I was charged interest on the full balance ( {$3400.00} although I had got the balance down to {$2200.00} in the 6 months ) of the original loan NOT the balance left at a very high interest rate. I called to try to work something out and was told they could take a small part of the interest rate payment off but not all of it. I realized based on the rate and the finance charge which brought the balance up almost {$500.00} that I would not be able to make minimum payments but would basically only be paying the interest so I asked for the hardship programs they had. They told me in XX/XX/XXXX that I was enrolled in one lowering the interest rate which was 20 % + to 9.99 %. I immediately paid the minimum outstanding based on their representation that I was enrolled in the program. On XX/XX/XXXX I called after my statement did not reflect the new interest rate and asked what happened. A women told me that there was a system error and that I had not been enrolled yet and that a new statement would come out. I called again on XX/XX/XXXX after I did not receive a new statement and my online account did not reflect a change and was told I was not enrolled in the program again. I have also emailed them and received no response. I am at this time stuck paying the higher interest although they told me when I made the payment in XX/XX/XXXX that going forward my interest would be significantly lower. While I have had lines of credit with Commenity Capital Bank in the past, this particular arrangement is deceptive, unfair, and has been an undue burden and caused me substantial financial loss. The people who extended the line of credit at the Pet Store did not properly inform me what I was getting into and Commenity Capital Bank has failed to be responsive to my concerns.
Consumer complaint received 2024-09-12
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. (IL)

I seek your help in addressing this mistaken account on my credit report. It has severely impacted my reputation, and I require your support. Your improper reporting has caused major damage to my standing, and I demand you remove this incorrect data from my credit report.
Consumer complaint received 2024-09-12
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-12
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. (AL)

n 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 168b permissible purposes of consumer reports. 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Consumer complaint received 2017-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (LA)

THIS IS NOT A NEW CLAIM I JUST HAD NO WAY OF FILING ADDITIONAL INFORMATION SINCE I DID NOT SEND THE ORIGINAL COMPLAINT TO YOU. THANK YOU. 

Complaint XXXX about Wells fargo XXXX XXXX On yesterday I received a call from the person over the case regarding a letter to the FDIC and it was forwarded to you. He called to say that he needed more time to get more information from the department involved in this. 
He said the new date would be XXXX the XXXX or XXXX. I asked him what information he needed from them and he said information to proceed.I explanied to him that the weather had been pretty bad in Louisiana and with XXXX threatening to dump more rain I wasnt sure if there would be additional damage. Upon origainally speaking with him I told him I was sure termites had come in throught the widow that had issues. 
One of the questions I asked was were we going through this because we were behind in our house note. I explained to them that my hsuband had to leave employment here to go there. It took him a month to find employment. He is doing some very labor intense work so we can catch up on the mortage. 
Today in the mail I received two pieces of mail from Wells fargo. The first was a letter for guidlines for my husband to do the work on a home we paid the insurence on. 
It said that we had to go through this because we were behind in our mortgage. It says we must send them the checks that will send us the money in increments after we provide every manner of support. Including reciepts, checks and other things. 
THIS IS NOT THEIR MONEY. my XXXX no one should have to go through this. I have been displaced from my husband for more then three months. It feels like XXXX all over again. 
We have never filled a claim and we will most likely never again. As I stated someone mentioned to my husband recently that we have been behind several times with our mortgage since XXXX. 
Which brings me to the second letter, one that I can never remember getting, a letter to accelerate the loan or default and be foreclosed on. I think it is very suspect that I make a complaint against them and we have been behind for several months and now we receive this letter dated XXXX XXXX. 
I believe this is clearly retaliation for filing a complaint against them for their practices and the lies that they have told and continue to tell. We are suppose to be a team. But I feel like it is them against us. And we are trying to stay above the water. 

It is now my intentions to provide this information to the media, sadly with this current disaster there will be countless people that they do this too. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-08-30
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (CA)

1.My mortgage company refuses to reimburse me for bank charges they caused by attempting to withdraw funds 3 days early. 
2. In the last 5 months I have received foreclosure notices because this mortgage company claims I was late or did n't pay, which is incorrect, I have always paid on time and have copies of there records and my bank records to prove I was always on time and they reported me to the credit bureaus as being 30 days delinquent for XXXX, XXXX, XXXX XXXX of XXXX and this company refuses to retract this error. 
3. I have bee billed for late charges in the past 5 months to the tune of XXXX. All of which are not valid. 
4. Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX they failed to post my monthly mortgage payment. 
5. I have written to this company with these complaints and theey refuse to change there position. 
6. They have increased my monthly mortgage payment by XXXX per year without an explanation. 
7. I sent them additional funds to cover an escrow shortage that were not posted.
Consumer complaint received 2017-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NM)

On XX/XX/XXXX I contacted Citicards to check the payoff amount of my credit card. It was at that time that i was made aware that two payments i had made with my debit card had not been credited to my account. The Citicard representative then called Citibank via a 3 way call to verify the transactions. The Citibank representative confirmed that two transactions for {$500.00} each were deducted from my account but not credited to my Citicard account. The Citicard rep stated that there was no history of those payments. The Citibank representative advised me that " this could be easily resolved '' all i had to do was dispute those transactions. So i did that day. I was advised that i would receive a response in 7-10 days. And if it rool longer then i would be provided a provisional credit while citibank further completed rhe investugation. On XX/XX/XXXX i called to check the status of my dispute and i was advised at that time that an error had been made and the previous rep opened my dispute in the wrong department. So my dispute would have to be reopened. I was told again that the funds would be returned to my Citibank account. Today when I called I was told that yet again there was another error. And NOW I WOULD HAVE TO WORK THROUGH CITICARDS REGARDING THIS ERROR. Which made no.sense.since they have no evidence that those transactions went through. I need help getting my money back. They are not following there own policies and i recorded every conversation to validate my claim.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Consumer complaint received 2017-08-30
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX my credit report was access by XXXX XXXX XXXX  for the purposes of mortgage with my consent I however do not agree with the XXXX report that two many enquiries within the last 12 months impacted my score. 
I have not requested for any enquiry or give permission to any financial body to check my credit apart from the one of XXXX/XXXX/XXXX in the last 12 months The so called 'TOO MANY ENQUIRIES ' has negatively affected my credit score
Consumer complaint received 2018-06-03
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: CURO Intermediate Holdings (TX)

XX/XX/2012 I received notification of a late payment for a payday loan that was opened online. However, this account was opened fraudently and I called the company to explain. I even faxed them a copy of the police report during this time. It is still listed on my report and Ive continued to dispute this through the company and all 3 credit bureaus but it still remains on my credit report. I recently sent a validation letter to them so that they can validate this information but it has been 30 days and still no response from the company.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Request for Information on Bankruptcy Verification Methods I am writing to you regarding the bankruptcy listed on my credit report. I would like to know the specific methods you used to obtain and verify this information. 

It is important to clarify that I am not disputing the existence of this bankruptcy on my credit report. I simply wish to understand the procedures and sources used to include this information in my file. 

I would appreciate a detailed response explaining : The specific sources from which the bankruptcy information was obtained. 
The verification method used to confirm the accuracy of this information. 
Any entities or third parties involved in the process of collecting and verifying the data. 

Thank you in advance for your cooperation, and I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (MT)

the CBE Group trying to collect on a cable bill. I hve in my posession FROM THE ORIGINAL creditor, XXXX aka XXXX, showing a balance owed by me as XXXX dated XX/XX/2018. I have no contract with CBE Group, nor was i made aware of ANY sales of my information to this group.
Consumer complaint received 2024-09-12
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
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. (TX)

on XX/XX/year> i notified the legal department XXXX XXXX XXXX XXXX opting out of any and all authorization related to the sharing, reporting, or disclosure of my personal or financial information to any and all credit reporting agencies and/or third parties.as a federally protected consume i exercise my right to privacy under applicable federal statues.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My accounts 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/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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!
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

CRA violation Experian took more than 30 days, were disputed on XX/XX/18 until now I did not receive any document back from them.
Consumer complaint received 2024-09-11
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. (GA)

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. 

Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX and list of Inquiries. 

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 XXXX 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.