davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TRANSUNION According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. You are incorrectly reporting my account balance limit of {$3500.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> My account Limit is XXXX and you are incorrectly reporting it as {$750.00} giving me a high utilization of 56 % Please fix this IMMEDIATELY. 

I HAVE ATTACHED SCREENSHOTS OF MY CREDIT XXXX  ACCOUNT LIMIT AND BALANCE FOR PROOF.
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. (IN)

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX  days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. I am filing this complaint for myself and not anyone else. Please correct and update the following incorrect personal information from my credit file and send me a copy of my most updated credit report.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-23
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. (NJ)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TRANSUNION According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. You are incorrectly reporting my account balance limit of {$3500.00} : XXXX  # XXXX Date opened : XX/XX/year> My account Limit is XXXX and you are incorrectly reporting it as {$750.00} giving me a high utilization of 56 % Please fix this IMMEDIATELY. 

I HAVE ATTACHED SCREENSHOTS OF MY CREDIT KIKOFF ACCOUNT LIMIT AND BALANCE FOR PROOF.
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. (IL)

This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove accounts that are UNKNOWN to me. I came across this law today and according to the PerFCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX Balance Owed : {$710.00} - XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Bankruptcy Court Reference # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed XXXX $ XXXXXXXX XXXX XXXX XXXX XXXX  Bankruptcy U.S. Bankruptcy Court Reference # XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2800.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-23
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)

for the last XXXX years I have been trying to get things removed no one is really looking at my report I how can XXXX credit reporting company saying my debt is positive but others saying the same debt is negative how can an account be reporting negative but no balance due and pay as agreed. I have another account I paid the company in order to close the account and I don't owe this business anything and it's still being reported as a bad debt no one has ever followed up I have a collection when I asked for information from the original creditor, they failed to send that to me, and the signature did not look like mine
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The inaccurate information maintained on my credit report has not only resulted in significant financial harm but has also caused substantial XXXX  distress. The false representation of my personal and financial information is a clear act of fraud. It has deceived creditors and financial institutions, leading to higher interest rates, denial of credit, and an overall detrimental impact on my financial standing. This constant struggle to rectify these inaccuracies has inflicted undue stress and XXXX, undermining my trust in the credit reporting system. 

Moreover, the persistence of these errors despite multiple disputes exacerbates the situation, suggesting an element of extortion. By refusing to correct these inaccuracies, you are leveraging this misinformation to exert financial pressure on me. This coercion forces me into a position where I am compelled to take unnecessary financial measures, further aggravating my emotional and financial well-being. The distress caused by this situation is profound, as I am being unfairly penalized for errors that are beyond my control. 

The continuation of these inaccuracies represents a violation of my rights under the FCRA and FDCPA. The failure to correct or delete this false information, despite clear evidence and legal demands, highlights a disregard for the laws designed to protect consumers. This ongoing issue has caused not only financial repercussions but also significant emotional turmoil, impacting my daily life and overall XXXX  health.
Consumer complaint received 2024-08-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation (TX)

Yes, I have tried reaching out to Bridgecrest in regards to their nsf policies and other policies that they have in place ; I have not gotten an answer back or havent received any information requested, I have gotten charged twice for NSF and XXXX of these fees was XXXX and the other one was XXXX for non-sufficient funds fee then I get a reversal for XXXX dollar fee, that is something that no other bank has done, sadly I been going through some hardship and asked if I can move my past due payments to the end of my loan even though its going to take me longer to pay it off but they told me I had to pay XXXX to do that. Like what in the world is that.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made 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 months that are reported late 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. 


NATIONSTAR DBA 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 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported 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. 


XXXX 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 2024-07-23
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)

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report information to the best of their ability with maximum accuracy. 
I have never been late on payments for the accounts that i have included screenshot inside this complaint in on of ( XX/XX/year> ) ( XX/XX/year> ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! please
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. (PA)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-07-23
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

synchrony bank randomly pulled my credit report without my permission. Then, as of XXXXXXXX XXXX XXXX, they closed the account. The accou t was in good standing and never missed a payment. Unfortunately, while they are pulling my credit without my permission, they are affecting my credit score. I talked to 2 different individuals today and they stated they are allowed to pull my credit report at their discretion without my permission. I do have a number of other credit cards, however, it has never affected my abilities to pay the account. Now the accou t has a balance. I can't pay it online and the only way to pay the balance is to call them. When doing so, the rep told me they would charge me a fee everytime. According to federal law, they can not pull my credit without my permission and they can't close the account without my permission unless the account t is delinquent. Which, it is not.
Consumer complaint received 2024-07-23
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. (MS)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-07-23
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. (CA)

I disagree 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 XXXX XXXX XXXX / XXXX XXXX XXXX. In accordance with Fair Credit Reporting Act. Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each induvial with whom you verified the above, so that I may follow up. Please send me a updated copy of my credit report after your investigation.
Consumer complaint received 2022-07-13
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have several credit cards that had fraudulent activity in them I didnt know because my daughter purse was stolen with her phone as well I reported this to all of my credit cards and none of the have gotten back to me they shut off all my cards witch what happened wasnt my fault and I reported this to capital one, 3 cards there XXXX, XXXX, XXXX these card companies have closed all my cards after I reported they were stolen they didnt reissue them back to me and on my credit re tge posted them as closed this can hurt my credit as well as all 3 reports show different things on the and amounts they also have been running my credit over and over so I have so many hard inquiries on my report I would like this matter looked into immediately and fixed soon as possible
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
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. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you to perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: OneMain Finance Corporation (MD)

there exists a lien from the company ( Springleaf Financial Services ) which according to my research, is now OneMain Financial. However, when I spoke to a representative about this, they were not able to provide me with any information about this and would go no further.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXX {$9900.00} has violated my right. ( XXXX XXXX XXXX XXXX XXXX XXXX of the United States of America at the time the account was opened. I am a 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (NJ)

Dear Sir/Madam, I'm reaching out because I'm in a tough spot with my mortgage. On XX/XX/XXXX, my old mortgage company, XXXX XXXX XXXX XXXX XXXX XXXX ), passed my mortgage to a new mortgage company, Mr. Cooper. But they didn't sort out my XXXX payment ( mortgage monthly installment plus extra principal that due on XX/XX/XXXX, {$5000.00} paid on XX/XX/XXXX to XXXX ) properly. I waited over 45 days for Mr. Cooper to get my payment, but they said they didn't get it. I tried contacting XXXX but they just said to wait. Now it's been 45 days, and Mr. Cooper still hasn't got my payment. I'm worried and confused because I don't know what's happening with my XXXX payment for the installment due on XX/XX/XXXX. Neither of the lender said they got the money, or refunded the extra payment. Meanwhile, to avoid late fees, I had to pay twice on XX/XX/XXXX for same mortgage installment that due on XX/XX/XXXX to Mr. Cooper, double payment for sure because the previous payment to XXXX never applied. Can you please help me figure this out? I really need some assistance with this issue. Thank you for your help.