davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX XXXX  - XXXX
Consumer complaint received 2024-06-21
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. (NY)

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 

I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT NAME : XXXX XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.
Consumer complaint received 2023-03-14
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: PNC Bank N.A. (PA)

Attached to this complaint is a copy of my credit report specifically the account which is inaccurately being reported by PNC BANK. 

I have previously sent copies of these inaccuracies to PNC BANK Also, attached is response letters by PNC BANK dated XX/XX/XXXX that has been marked in the red ink to show incorrect statements.. and blatantly, willful violations of the fair, credit reporting act and the fair debt collection practices act. 

PNC BANK is in violation of 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. 


In response to PNC BANKs letter dated XX/XX/XXXX The attached credit report ( attached ) shows that the information being reported by PNC BANK does not match between all three credit reporting agencies, which means somewhere there must be an inaccuracy How can PNC BANK be reporting accurately to the credit reporting agencies if each credit reporting agency has different information? 
the account number for the ( Pnc ) account does not match between all three credit reporting agencies The account type for the ( Pnc ) account does not match between all three credit reporting agencies the number of months ( terms ) for the ( Pnc ) account does not match between all three credit reporting agencies the high credit for the ( Pnc ) account does not match between all three credit reporting agencies the last reported date for the ( Pnc ) account does not match between all three credit reporting agencies The comments for the ( Pnc ) account does not match between all three credit reporting agencies The date last active for the ( Pnc ) account does not match between all three credit reporting agencies The date of last payment for the ( Pnc ) account is blank on all three credit reporting agencies ( In the two-year payment history ), from the date of XX/XX/XXXX to XX/XX/XXXX for the ( Pnc ) account does not match between all three credit reporting agencies the letter, states that the last payment Pnc received was XX/XX/XXXX for the XXXX cycle. ( Which admits that there was no payment in XX/XX/XXXX ). 
the credit report attached shows that Pnc indicated a payment in XX/XX/XXXX ( inaccurate ) because of the inaccuracy of XX/XX/XXXX the date of charge of is in accurate as well 36 separate violations of the fair credit reporting act proven in attached credit report letter from PNC BANK dated XX/XX/XXXX proves how many times I notified PNC BANK of these inaccuracies Because I notified PNC BANK more than eight times within a two year span makes their violations willful ( took longer than 30 days to fix the inaccuracies ) there is no way anyone with eyes can look at this credit report and not see the inaccuracies which equal violations
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the XXXX XXXX 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-07-17
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. (MA)

This is my follow up complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXXXXXX - XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I spoke to Capital One about my credit account being incorrectly annotated as being over 30 days late back in XX/XX/XXXX. After my conversation with them on XX/XX/XXXX, they told me that they could send me a copy of my statements, agreed with me that this was a mistake, but will not remove the negative statement from my credit report. I asked them for a letter stating the mistake and they told me no.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXXXXXX account, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite the statutory obligation, the credit bureau has failed to carry out a propera reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX. 
I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard.
Consumer complaint received 2024-06-21
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)

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 XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-21
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. (MD)

I contacted Trans Union to inform them that I did not recognize this company and did not authorize this company to pull my credit report. They told me to contact XXXXXXXX XXXX. I did. XXXX XXXX  said that they would contact the credit agency Trans Union. I contacted Trans Union to see if this indeed happened they informed me that it did not, and that I would have to file a complaint with FTC.
Consumer complaint received 2024-06-21
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. (MD)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-21
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)

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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number XXXX XXXX  Account Name : US DEPT ED : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  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 XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX, XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-06-21
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. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2019-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

I opened an HSBC MasterCard. I requested paper statements over the phone. I never received a paper statement. I requested statements several times back in XXXX via my online HSBC account, and HSBC refused to provide a statement because allegedly one was not ready. I was never provided with a payment address to mail payments to. The online account didn't seem to have a way for me to link my bank account to the card for automatic payments. If it does it was not easy to find because I could not find it. 

I looked up the HSBC payment address on XXXX, and it was listed as HSBC Card Services, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Several weeks ago, in mid XXXX, I was aware, via my HSBC mobile app, that the first payment was going to be {$65.00}. I mailed a check for {$100.00} to the address I found. 

Yesterday, I received the check I sent back in the mail. The post office stamped on the envelope that the recipient moved and left no address, and also stamped on the envelope that the PO box was closed. 

I called HSBC, and discovered that I was now considered in default and behind on my payments. {$130.00} was due, of which a portion is a late fee. I paid this over the phone immediately. I tried calling an HSBC representative, but their office is closed right now.
Consumer complaint received 2023-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

Fedloan appears to have lied to me in an official written communication, advising me to take action that adversely impacted me. I applied for TEPSLF shortly after the program began. I ended up having to involve my US Representative in Congress because during the transfer from Fedloan to XXXX my application was lost. {$100000.00} was forgiven by FedLoan in XXXX. I reached out to my Representative for help even getting a TEPSLF qualifying payment count on the remaining {$60000.00}. I received a letter from my congressman today that had I consolidated all of my student loans, all of them would have been forgiven, per the US Department of Education 's communication to him. Now I have between 3 and 4 years left to make qualifying payments on them. I initially had requested to consolidate all my student loans. My complaint is -- -- FedLoan then appears to have lied to me in writing in an official communication. They wrote me in a letter, dated XXXX XXXX, XXXX, he following, " We wanted to confirm that you intentionally included Direct Loans on your consolidation application, because consolidating your loans will 'erase ' any qualifying payments you may have already made toward the required 120 for PSLF and TEPSLF purposes. If you include these Direct Loans in your new Consolidation Loan, any qualifying payments you have made during qualifying employment periods will never be counted toward PSLF or TEPSLF. '' FedLoan directly advised me in writing that I would not have any qualifying payments under TEPSLF if I consolidated all my loans. Of course, I had them remove the Direct loans from my consolidation. Who wouldn't? Because they lied to me in an official written communication on Fedloan/US Dept of Education letterhead XXXX I removed those loans from my consolidation request. As a result of their inaccurate information, I now have almost four more years I must remain employed in a qualifying job and pay on those {$60000.00} in student loans, leaving me with the risk that if I leave my job or can not continue in it for any reason, I will completely lose this benefit. This letter directly advised me to take action that was adverse to my interests which I had not asked to take before receiving the letter. My current Lender is XXXX. At the time Fedloan was processing my TEPSLF form. XXXX finished the process. The entire process of receiving qualifying TEPSLF payment counts under all my student loans took from XX/XX/XXXX to XX/XX/XXXX, or 15 months from my initial application. Fedloan appears to no longer service student loans and their website no longer exists.