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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported on XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. 


I have always valued my relationship with XXXX and have made all my payments on time, except for this instance, which I believe may have been an error or the result of a delay in payment processing or misreporting on the creditors part. I have attached relevant documentation to support my case, including statements that show my timely payments and other evidence highlighting the error. 


I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 


Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-08
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. (KS)

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 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. (IL)

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.

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 2024-10-08
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. (TX)

My information was exposed in a data breach and according to XXXX XXXX which states governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). All these and addresses or in accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX and XXXX XXXX XXXX XXXX XXXX, OK XXXX.
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. (CA)

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.

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

I have been carefully reviewing my recent credit reports and noticed that some of my personal information is being reported inaccurately. To assist in correcting and updating these errors, I have attached copies of my identification documents for your verification. Please review them and ensure that the necessary changes are made to reflect the correct information on my report. 

My only name is XXXX XXXX XXXX My only current address is XXXX XXXX XXXX, XXXX, TX XXXX My social security number is XXXX My birthdate is XX/XX/year> Inaccurate Name : XXXXXXXX XXXX XXXX XXXX  XXXX I do not associate with this name. Kindly remove it and update my report Inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX AV XXXX XXXX, FL XXXX - Kindly remove these addresses and update it with my current address
Consumer complaint received 2024-10-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On Monday, XX/XX/XXXXXXXX  I received a Citizens Bank offer soliciting me to open a Savings account and offering a {$50.00} bonus to be paid in XXXX if I deposit {$100.00} in XXXX, XXXX and XXXX. Please see email screenshot attached. It was a targeted email solicitation addressed to me, XXXX XXXX. On XX/XX/XXXX I opened a Citizens Bank savings account ending in XXXX and deposited {$100.00} three times on XXXX, XXXX and in XXXX, XXXX and XXXX. Imagine my astonishment and disappointment when Citizens Bank paid only {$25.00} on XX/XX/XXXX instead of promised {$50.00}. The payment of {$25.00} was made to my Citizens Bank checking account ending in XXXX. I called Citizens Bank in XXXX and Citizens representative told me that I need to wait and additional {$25.00} will be deposited by the end of XXXX or shortly thereafter. I was relying on representation made by the Citizens representative and waited till the XXXX of XXXX. Today, XX/XX/XXXX, I called Citizens Bank inquiring about the promised {$25.00}. I spoke with XXXX XXXX. He was not helpful, arrogant and abusive. He was not listening to me and bluntly insisted that some regulations prevent him to do right by the customer and that's really important to me because he was dishonest, making up one excuse after another instead of explaining the situation and being a part the solution. He never explained what exactly regulation is contrary to the promise made by Citizens bank when I opened my savings account. I am banking with the Citizens for over 20 years and it is the first time I encountered such abusive customer service representative. I am at loss as to why Citizens employing people like XXXX XXXX. I understand that not everyone fits to work in customer service, training might help but with XXXX XXXX nothing would help. Hating people and working in customer service are not mutually inclusive. Customer perception of a company can be based on just one person and you dont want the face of your company look like XXXX XXXX XXXX
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 
XXXX XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$690.00}
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. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within the standard 15-day grace period offered by XXXX XXXX. The payments were not late, and the 30 and 60-day late entries are inaccurate. 
Clerical error by XXXX XXXX : Despite making the payments on time, it was incorrectly recorded as late due to a clerical error. This error caused an inaccurate 30-day and 60-day late payment report on my account. 
Evidence provided : I have attached bank statements and payment confirmation receipts showing that the payments were made on time. This evidence clearly demonstrates that no late payments occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-10
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. (SC)

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 Dear Transunion, Please advise why youre reporting this inaccurate XXXX when the court confirmed via the attached letter that they do not furnish information, or anyone else for that matter. 

I have checked my XXXX XXXX Report and the XXXX does not exist. 

XXXX has also deleted the XXXX from my credit file as well. 

I have attached a copy of XXXX XXXX XXXX letter and copy of XXXX credit report investigations showing where bankruptcy was deleted on XXXX from my credit file. 

Lastly, a letter from the local XXXX courts. 

Please remove the XXXX from my Transunion credit report immediately!!! 

Please explain the methods you claim to have used to verify it when it doesnt exist. Thank you for your assistance. 

TransUnion continues to report the inaccurate information on the credit report. 

Thanks, XXXX XXXX
Consumer complaint received 2024-10-10
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 recently reviewed a copy of my credit report and realized I had fraudulent accounts on my report. The consumer reporting agencies need to report all information accurately. The negative activity from the inaccurate accounts are negatively effecting my ability to obtain credit. I will attach documents showing the accounts in question. 

Thank you for your assistance in this matter.
Consumer complaint received 2024-09-11
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (TX)

One main financial keeps conducting deceptive business practices and finding ways to charge for things that they aren't entitled to charge. They then tell you to get a refund, they require 6 months of your banking history, in order to approve the refund. Their internal policy doesn't trump consumer law and it shouldn't be specifically designed to oppose it either, or benefit only the party that made the contract. Furthermore, they are predatory as I have never missed a single payment and they suddenly decided my insurance wasn't compliant. They told me verbatim " I dont know what policy you need but I know the deductible has to be {$1000.00} ''. I did exactly that AND sent the proof via their own email generated confirmation system no word for XXXX mo the and then I get a letter saying the used my personal and private information to sign me up for a second, external insurance policy. I call to ask why, since I did exactly as directed and it's the same insurance I've had for the entire XXXX yrs of the loan, they told me their is an eternal XXXX from when they took a months payment prior to the month ever occurring ( and charged a late fee for a month that hadn't come to pass yet too ) and the account was locked. They told me I had to call the complaint department and REMOVE MY complaint, so they can update the insurance. Which they said they can't tell me because it's locked so I can't even know how to comply. Then the XXXX calls and admits they did nothing about the prior compliant and there is NO COMPLAINT or XXXX lock on my account, yes the deductible needs to be {$1000.00} but I am free to file complaints woth the CFPB or FTC, if I'd like becauss they want me to call thr insurance company THEY signed me up for, without legal cause, or permission, and after I'd drop my previous complaint that keeps teetering between existing or not existing, depending on how it benefits THEM. Again, I apy all my payments on time and in full and they have been rampantly abusing me for no reasons and conducting illegal actions to pilfer more money they aren't legally entitled to.
Consumer complaint received 2020-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc. (KY)

We are paying XXXX XXXX Hospital in XXXX payments on a bill. There were two accounts on the total. When paying, early even, they kept applying the payments to the smaller account number even when it was paid. Therefore, the bigger charge went unpaid. When Central Portfolio Services called us, I then called the hospital to see why we were being called when payments were being made.They realized what had happened and said that they would rescind the collection. I even checked the following month and they said that they had rescinded it as they said they would. However, that charge is on my credit and Central Portfolio is not removing it. It says that it will remain there until XX/XX/XXXX. Central Porfolio is continuing with collection calls.
Consumer complaint received 2024-10-08
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. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-09
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. (FL)

I was completely taken aback this morning when I found inaccurate accounts on my credit report. I had no clue why they were there! I regularly check my report, but this time I was met with shocking discrepancies that just appeared. I even refreshed my browser, thinking it might be a temporary issue, but nothing changed. Those accounts are still there, and its driving me crazy! I really need the documents I submitted to be reviewed closely so I can put this nightmare behind me.
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: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX XXXX ] Acc number XXXX XX/XX/year> [ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mn XXXX Subject : Dispute of Unauthorized Disclosure of Personal Information under 15 USC 6802 To Whom It May Concern, I am writing to dispute the unauthorized disclosure of my personal information by your company, which I believe violates the Gramm-Leach-Bliley Act, specifically 15 USC 6802. 

Under 15 USC 6802, a financial institution must provide notice to consumers about its privacy policies and practices, and consumers must be given the right to opt out of the sharing of their nonpublic personal information with nonaffiliated third parties. I did not receive any such notice from your company, nor did I provide consent for my personal information to be shared.

It has come to my attention that my personal information was disclosed to [ Name of Third Party ] without my authorization. This unauthorized disclosure is a clear violation of my privacy rights under 15 USC 6802. 

I request that you immediately cease any further unauthorized disclosures of my personal information and provide a detailed explanation of how this breach occurred. Additionally, please confirm in writing that my personal information has been removed from any unauthorized databases and that you have implemented measures to prevent such occurrences in the future. 

Thank you for your prompt attention to this matter. If you require any further information from me, please contact me at the address or phone number listed above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-09
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)

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Transunion. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 

After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : XXXX. Last Reported : XXXX and TransUnion both report the last update as XX/XX/XXXX, while XXXX reports XX/XX/XXXX. This slight difference XXXX not be significant but is worth noting if strict accuracy is necessary. 
XXXX. The account Number : Transunion has a different account number, while XXXX and XXXX has the same. 
XXXX. Comments : o XXXX : Charged off as bad debt. 
o XXXX : Account was in dispute- now resolved - reported by subscriber. 
o TransUnion : Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active and Date of Last Payment : Date Last Active : XXXX and TransUnion both show XX/XX/XXXX, while XXXX shows XX/XX/XXXX. 
XXXX. HIGH CREDIT : Is showing as {$0.00} on the XXXX report but is correctly listed as {$5600.00} on both the XXXX and TransUnion reports. 
XXXX CREDIT LIMIT : for XXXX XXXX reported as {$0.00} while it should be {$5600.00}, similar to TransUnion and how XXXX should have reported the high credit, this requires a correction as well. 

Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ]. 
I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report. 
Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

Sincerely, XXXX XXXX XXXX