davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I been trying to solve this problem for some time with your agency and the corporations you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). I attached the credit report for account XXXX to show the discrepancy in payment history reporting to the credit reporting agencies. How can each bureau report different payment history for the same account? I am a litigious consumer meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice. These items should be deleted immediately per FCRA guidelines : XXXX XXXXXXXX.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (DC)

I have previously submitted a complaint about Citibank Credit Card. This complaint is new but its link to the previous issue was well. Citibank is continuing to resubmit a payment to my bank account and causing me to pay overdraft fees because the funds are not there. I paid this bill and they refuse to submit in the payment date which is causing me to pay overdraft fees. I spoke with someone about this account and she was only interested in whether I wanted to reopen the account or not. I opt not to reopen because if they treat me like this who has been a loyal customer for over two years then I wonder how they would treat someone else. I just want them to stop resubmitting that payment to my bank ASAP. I am going to pay them as my history reflects. Please help me deal with them.
Consumer complaint received 2024-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

During XXXX Bank of America offered payment assistance. One of three or four options was to put the debt on the back of the balance and pick up where you left off. Thats the one I chose. Money started coming in and I made my regular payments after a while. When I said its ok to put the debt on the back and let me start paying again They said that particular option didnt exist anymore. Anymore? Thats the only way I could have afforded to repay it. So they want me to re-qualify for a loan I already have? So faxing them this and that, its never enough Then it stops. I dont hear from them, no mail with return service. Now they are suing me for the money the government says they can not make me liable for in one payment ( Cares Act ). Just received a final judgment against me
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Last 2 years ago, I had opened up an account for a debit card at Bank Of America. Everything was working perfectly fine, It was my favorite bank so far other than using XXXX XXXX. I used it for everything, my work checks, purchasing items, sending money, ect. I had it only for couple months. After a few months of using the card, I had went out to a party & lost my whole wallet which it included my Bank of America Card. I didn't realize that i've lost my wallet until few days later, the minute i found out i went onto my BOA app and locked my card immediately. I made an appointment to go in & tell them what happened so i can get a new card replacement. They told me I am no longer & banned from creating any account or getting a card from Bank Of America. The XXXX lady told me that there was a fake check or fraud activity that happened on the account! I told her it was not me and none of it was my actions. I didn't know what was going on. She gave me a number to call and talk to the agents but at that time, i didn't take it too serious and was rushing to just get a card so i can make sure my direct deposit checks was coming in still. I ended up moving on to just stick with my other debit card which is my XXXX XXXX  card. As soon as a i turned XXXX ( which i turned XXXX 4 months ago ) I wanted to apply for a credit card to start building credit .... Every single one of the credit applications had denied me! I got a mail sent home to tell me what was the reason, coming to find out i am on the blacklist. I had no idea this would affect my future. It is unfair to me because I lost the card before i turned XXXX, somebody took advantage of it and used it to try putting in fake checks. Now that i am XXXX and actually have plans ahead of me, i can't even start building my credit because of something that happened 2 years ago that was out of my hands and control!
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I recently discovered discrepancies in my credit history related to the reporting of late payments, and I believe these inaccuracies stem from undelivered monthly statements. 
Upon a thorough review of my credit report, it has come to my attention that late payments have been reported, affecting my credit score and financial standing. After careful investigation, it appears that these late payments resulted from undelivered monthly statements. 
I want to draw your attention to the provisions of 15 USC 1666b under the Truth in Lending Act, which mandate that creditors ensure periodic statements are mailed or delivered to consumers at least 21 days before the payment due date. In my case, it seems that I did not receive these statements within the specified timeframe, leading to inaccurate late payment reporting to your agency.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I checked my credit report and saw that there were inaccurate accounts on my credit report and I do not have any idea why it's there. I didn't wan na believe it at first so I tried refreshing the page but I was disappointed because it did not get removed so please thoroughly check the documents I've sent.
Consumer complaint received 2024-07-25
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. (PA)

I am writing to you as a concerned consumer and citizen regarding numerous fraudulent accounts and inquiries that have been reported on my credit report. Despite my repeated efforts to resolve this matter, the credit bureaus have failed to take the necessary actions to correct these inaccuracies. This is my third attempt to address this issue, and I am now seeking your intervention to rectify this matter urgently.
Consumer complaint received 2024-07-26
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 ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 those account 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.

( CREDITOR NAME ) 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 2024-07-26
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. (PA)

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 XXXXXXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/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 2024-07-25
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)

I am writing to you as a concerned consumer and citizen regarding numerous fraudulent accounts and inquiries that have been reported on my credit report. Despite my repeated efforts to resolve this matter, the credit bureaus have failed to take the necessary actions to correct these inaccuracies. This is my third attempt to address this issue, and I am now seeking your intervention to rectify this matter urgently.
Consumer complaint received 2024-07-26
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. (IL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-07-25
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 wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights
Consumer complaint received 2024-07-25
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. (MS)

I recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence : XXXX XXXX XXXXXX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2024-07-26
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 : Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : 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 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 2024-07-18
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)

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to XXXX causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-07-25
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. (TX)

THIS CFPB COMPLAINT HAS BEEN FILED PURSUANT TO FCRA 605 B OR 15 USC SUBSECTION 1681 ( C ) ( 2 ) THAT YOU, TRANSUNION, BLOCK INFORMATION APPEARING ON MY CONSUMER CREDIT REPORT THAT IS A RESULT OF IDENTITY THEFT AND FRAUD WITHIN 4 BUSINESS DAYS OF YOU RECEIVING THIS COMPLAINT.THIS FRAUDULENT AND INACCURATE INFORMATION CONSIST OF XXXX XXXX XXXX # XXXX. THIS ACCOUNT HAS RESULTED IN A COLLECTION APPEARING ON MY CONSUMER FICO CREDIT REPORT. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNT AS REPORTED BY YOU, WAS NOT OPENED, MADE OR INITIATED BY ME. THE ACCOUNT WERE INITIATED BY FRAUD. I HAVE ATTATCHED A COPY OF MY FTC IDENTITY THEFT CRIMINAL COMPLAINT # XXXX AS PROOF FROM THE U.S. FEDERAL TRADECOMMISSION. THE AFOREMENTIONED CONSUMER CREDIT ACCOUNT IS A RESULT OF IDENTITY THEFT AND FRAUD.
Consumer complaint received 2024-07-26
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. (NC)

On XX/XX/year> I submitted to CFPB, Identity theft complaints and documentation to XXXX, XXXX and Transunion. FCRA states they have 4 days to remove those items and they have done absolutely nothing. These credit agencies are not abiding by the law and theyre 3rd party affiliates. I am going to be opting out of all XXXX systems indefinitely because I dont feel they care about consumers just about making money with the companies they violate laws for.
Consumer complaint received 2024-07-25
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)

I mailed a letter XX/XX/year> that transunion said they never received then I mailed a letter again XX/XX/year> and received a letter back from them today XX/XX/year> stating that they think the letters didnt come from me and if it did to call and verify my identity and the credit accounts and everything I mentioned in the letter that I would like disputed. I did that and her response was again that they looked at the letter and determined it came from a credit company after I sat on the phone verifying my identity, the letter I sent, the proof of identity documents I attached to the letter and everything in the letter that I wanted them to investigate so they could see that these accounts were due to identity theft and were not made by myself! She created a dispute of the inquiries on my credit report that werent made by me over the phone but not the collection accounts. I attached the letter that they responded to my letter stating that the letter wasnt me. And I attached some of the letter I sent showing the date and what I typed showing proof that Im the one who wrote and sent this letter.
Consumer complaint received 2024-07-26
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. (AL)

I am writing to express my deep concern regarding several inaccuracies on my credit report, which have been the subject of multiple disputes. Despite my ongoing efforts and previous communications requesting thorough investigations into these accounts, I have yet to receive a satisfactory resolution. 

The disputed accounts, including [ list specific accounts and account numbers if available ], contain errors that are severely damaging my credit standing and causing significant personal and financial hardship. The negative effects of these inaccuracies are impacting my ability to secure housing, employment, and access to credit, which are essential for my livelihood. 

I kindly request that your agency conduct a comprehensive investigation into the reporting of these disputed accounts. It is imperative that these inaccuracies are rectified immediately to prevent further damage to my credit file. Enclosed are copies of relevant documents, including [ mention any documents you are including, such as dispute letters, proof of payments, or identity theft reports ], to support my claims. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a timely and accurate investigation of disputed information. I urge you to prioritize this matter and take swift action to correct the errors in my credit report. Please provide a written response detailing the actions taken to resolve these issues. 

Your prompt cooperation and support in addressing this matter will be greatly appreciated. Thank you for your understanding and assistance.
Consumer complaint received 2024-07-26
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. (TX)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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