davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
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. (MI)

" 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 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendingPoint Holdings LLC (CA)

LendingPoint ruined my credit which has caused me great financial harm because they have refused to correct my credit report after they offered me a Loan Forgiveness of $ XXXX after I made a large payment and they reported it as a debt settlement and now they are reporting me as over 60 days late. I was unable to do a refinance on my own because my score plunged over 100 pts.
Consumer complaint received 2024-10-08
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)

USC 1681s-2 deals with the responsibilities of furnishers information. The debt was written off as a profit loss which is a tax write-off. I demand a 1099c form from the following accounts XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX is XXXX but it is reporting as derogatory account. 
XXXX XXXX XXXX XXXX for XXXX. 

If the following company can not provide the 1099c, please remove accounts from TransUnion and XXXX Credit Bureaus
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I am a victim of identity theft. I have never applied or had a checking or savings account with Bank of America because I was XXXX  from XX/XX/XXXX until XX/XX/XXXX. Please close any Bank of America checking or savings accounts under my name. They are all fraudulent accounts. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

There was a fraudulent account open in my name and Bank of America said that it was closed and removed from credit report but it was never removed i have called numerous of time and provided the same information ftc, police report, photo I.d . I am requesting this to be removed off my credit report
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helpingme due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 

Please delete the following accounts. 

XXXX XXXX {$3000.00} XXXX XXXX XXXX {$830.00} XXXX {$140.00} XXXX XXXX {$3100.00} XXXX XXXX {$130.00} XXXX. XXXX XXXX {$880.00} XXXX. XXXX XXXX XXXX {$680.00}
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''
Consumer complaint received 2024-10-07
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. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-11-17
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)

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  Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a 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 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 2024-10-07
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. (TX)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-11-17
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. (NY)

I have information that I do not want on my report because it does not belong to me and it affects my credit too much. I want it to be reviewed and deleted. 


XXXX XXXX {$480.00}
Consumer complaint received 2024-10-08
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)

Transunion is reporting XXXX charged off accounts from XXXX XXXX XXXX  XXXX XXXX Account # XXXX opened XXXX with a balance of {$1500.00} Account # XXXX opened XXXX with a balance of {$1400.00} Both Accounts were charged off back in XXXX  and was done was reported a business tax write off with the IRS. 
Transunion keep updating the charge off as currant date, but when you ask for a validation of the debt, they will not provide the documents.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

At one time I THOUGHT ABOUT getting a loan to consolidate credit cards, but wasn't sure I wanted to do it. After that I was bombarded with emails & phone calls that I IGNORED as I decided not to obtain that loan. SUDDENLY, I find this company on my credit report & have no idea who it is until I do a XXXX search. I NEVER agreed to any loan or any terms or amount from ANYONE! THIS NEEDS TO BE REMOVED from my credit report. It makes it appear i have more open credit than I do.
Consumer complaint received 2024-10-08
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. (MD)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-08
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. (MI)

This now marks XXXX days with no dispute results. Company was supposed to submit online response the XXXX. They closed dispute with no remarks. This was after they were told they only had 15 days due to failure 30 days ago and they gave themselves XXXX + XXXX and still failed to resolve issues. Company lack of care has resulted in failure to apply for auto credit due to failures to investigate.
Consumer complaint received 2024-10-08
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 15 US Code 1681A. Definition rules of construction paragraph 2 titled exclusions state that transactions do not report to consumer report late payments are forms of transactions. 
These late payments : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX Are actually a violation of the fair credit reporting act. Which means XXXX $ minimum per late payment
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I'm writing to raise concerns about a few issues I've encountered with the credit bureau. These include false account listings, numerous unauthorized inquiries, inaccurate credit reporting, inconsistent billing, and accounts that don't belong to me. 

I need help resolving these issues to ensure my financial security. Please investigate my situation and advise me on the next steps.
Consumer complaint received 2024-10-07
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. (TX)

I am writing again to file a formal complaint against XXXX and TransUnion for willfully and negligently failing to comply with the Fair Credit Reporting Act ( FCRA ). Despite my formal dispute and XXXX subsequent deletion of the collection account in question, both XXXX and TransUnion continue to report the inaccurate and unverified collection account on my credit reports. This action directly violates federal law and has caused substantial damage to my credit standing, for which I am now seeking monetary damages. 

Background : I disputed a collection account reported by XXXX XXXX on all three credit reports ( XXXX, XXXX, and TransUnion ). 
XXXX completed an investigation, determined the account to be inaccurate or unverified, and removed it from my credit report. 
XXXX and TransUnion have refused to comply and continue to report the collection account as valid, despite the lack of validation and XXXX removal. 

Violations of the FCRA : 1.Failure to Ensure Accuracy 15 U.S.C. 1681e ( b ) : Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Both XXXX and TransUnion have failed to meet this obligation by continuing to report inaccurate information that XXXX has determined to be invalid. 

2.Failure to Investigate and Correct Errors 15 U.S.C. 1681i : As part of my dispute process, I requested an investigation into the validity of the collection account. Under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation into disputed information. The continued reporting of this collection account by XXXX and TransUnion, after XXXX deleted the account, indicates that these agencies have failed to conduct proper investigations and have not corrected the erroneous information on my reports. 

3.Willful Non-Compliance 15 U.S.C. 1681n : Both XXXX and TransUnion have willfully failed to comply with their duties under the FCRA by continuing to report the inaccurate collection account. Their refusal to correct these inaccuracies, despite evidence provided during the dispute process, constitutes willful non-compliance, for which I am seeking actual and statutory damages as allowed by law. 

4.Negligent Non-Compliance 15 U.S.C. 1681o : In addition to willful non-compliance, XXXX and TransUnion have acted negligently in maintaining inaccurate information on my credit reports. As such, I am entitled to recover actual damages and legal fees as provided by 15 U.S.C. 1681o.
Consumer complaint received 2024-10-07
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)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

My consumer rights under FDCPA are in violation in accordance with 15 U.S.C. 1692g, '' debt collector send a validation notice informing of debt details and giving them a chance to dispute within 30 days. '' FDCPA 1006.6 ( d ) ( 4 ) ( ii ) ( C ) ( 2 ) has been violated, as consent for email correspondence was not authorized by consumer and transfer of email notice was not provided to me in written or digital correspondence.

FDCPA violations include 1006.14 ( a ) Harassing digital communication and 1006.14 ( b ) " natural consequence of the debt collectors email messages is to harass, oppress or abuse the person receiving the email.When such natural consequence occurs the debt collector has violated 1006.14 ( b ) The above protected consumer rights have been infringed upon and violated.
Consumer complaint received 2024-10-07
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. (KY)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (FL)

Complaint : I am filing this complaint regarding my Chase credit card due to unexplained excessive interest charges, even after I requested to close the account for new purchases and focus on paying down the existing balance. Despite an interest rate of 22.99 %, my monthly payments have been significantly higher than expected, with a substantial portion of each payment going to interest instead of reducing the principal. 

Details : 1. Account Cancellation Request : Approximately one year ago on XX/XX/XXXX ( I have all the statements ), I contacted Chase to request that my credit card account be closed for new purchases so that I could focus solely on paying down the balance. Since that time, I have consistently made payments, yet the charges I am seeing each month exceed the expected amount for an interest rate of 22.99 %. 
2. Excessive Charges : For example, this month, I was charged {$110.00} on XX/XX/XXXX and {$80.00} on XX/XX/XXXX, totaling {$190.00}. Despite this high payment, only {$33.00} went toward the principal, which suggests that my effective interest rate far exceeds the agreed 22.99 %. 
XXXX. Lack of Explanation from Chase : I have reached out to Chase multiple times for clarification on why I am being charged more than expected. I specifically asked for a breakdown of charges to understand how my payments are being applied. However, Chase has not provided a satisfactory explanation or itemized statement to clarify these charges. 
4. Financial Impact : This ongoing issue has significantly impacted my ability to pay down the principal, as the majority of my payments are directed toward interest. I believe that this does not align with the agreed terms of the account and that Chase may be miscalculating interest charges or failing to properly apply my payments. 

Request : I am requesting that the CFPB investigate this matter and help me obtain : An itemized statement from Chase showing the calculation and application of all interest charges since I requested to close the account on XX/XX/XXXX. 
An explanation of any additional factors contributing to the high interest impact on my payments. 
A review to ensure that I am not being charged an interest rate higher than XXXX %. 

Please help! 
XXXX XXXX