davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On the evening of XX/XX/2019, I called Bank of America Credit Card services ( XXXX ) to activate my credit card account. I called the number on the back of my card, and followed the prompts to activate my card, after I completed the prompts I was automatically transferred to a Bank of America associate who asked me for the last 4 digits on the back of my card. I proceeded to provide those last 4 digits, upon after a very short moment, he replied " Your card is activated ''. The next day XX/XX/2019, I arrived at XXXX XXXX Rental to rent a car for which I had a reservation. The XXXX XXXX associated swiped my card for the rental upon which I was notified the transaction was denied. I contacted Bank of America card services regarding the denial, and they stated that card with the same 4 digits I provided a prior Bank of America associate to activate was reported lost or stolen. I found some mail which was unopened and mistakenly assumed it to be new card, which I successfully ( according to associate ) activated on XX/XX/XXXX, but it must have been the card in question. I stated with them with great dismay, that I am " stuck '' at a rental car agency with a card you activated, a simple reply of " that card was reported lost or stolen '' or " we can activate that card '' would let me know that I had the wrong card. Instead, " it is activated '' and I clarified with him that it is ready to use, put me in this predicament on XX/XX/2019. I clearly articulated my dissatisfaction of the " activation '' and the predicament that I am in. The associate offered to sending me out a new card to my location, however the time frame he articulated would not serve my needs as I was leaving the next day and it would arrive after I have left. In a letter dated XX/XX/2019 that same day, Bank of America stated they are closing my account, which had either a negative balance or a very low positive balance. I firmly believe this is retaliatory business practice, that may have affected my credit, and is irresponsible and unconscionable by a large bank with extended reach. I believe its intent is to intimidate consumers from raising flags or complaining because they are such a large institution. I firmly believe that in unacceptable in these United States of America, a country of the people, with a government for the people and by the people. A simple apology, and " a what can we do for you for our unfortunate mistake which left you without options '', would have sufficed. The card in question ended in XXXX. However, they closed my account with a new account number ending in a 4 digit number of attached documents.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion is reporting incorrect credit score. NO UPDATED CREDIT SCORE HAS BEEN PROVIDED. REQUESTING CORRECT CREDIT SCORE AND ACCURACY OF THE CONSUMER REPORT. CREDIT REPORT SHOWS A XXXX POINT DECREASE BUT DOES NOT INDICATE ANY CHANGES TO THE CONSUMER REPORT. 

XXXX XXXX IS REPORTED AS A CHARGE OFF. A CHARGE OFF IS A CERTIFICATE OF INDEBTEDNESS WHICH MEANS IT IS INCOME ACCORDING TO THE FAIR CREDIT REPORTING ACT INCOME CAN NOT BE REPORTED TO A CONSUMER REPORT. THIS ACCOUNT IS TO BE DELETED FOR INACCURACY BEING REPORTED TO THE CONSUMER FILE. XXXX XXXX HAS RECEIVED AN OPT OUT REQUEST FROM THEM REPORTING TO MY CONSUMER FILE, THEREFORE TRANSUNION HAS NO RIGHTS IN REPORTING THIS INACCURATE ACCOUNT TO THE CONSUMER REPORT AS I HAVE NOT GIVEN THE REPORTING AGENCY PERMISSION TO DO SO AND NO DISCLOSURE HAS BEEN RECEIVED FROM THE REPORTING AGENCY BY LAW GIVING THE REPORTING AGENCY CONSENT TO REPORT THIS ACCOUNT. 

THE FOLLOWING INFORMATION I AM REQUESTING IN WRITING TO BE FIXED AS THESE ERRORS ARE NOT ACCURATE. THE CREDIT SCORE IS INCORRECT AND THE ACCOUNT THE REPORTING AGENCY IS REPORTING IS INCOME THANK YOU.
Consumer complaint received 2019-12-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Premier Student Loan Center (CT)

In XX/XX/XXXX I was contacted by Premier Student Loans. They explained to me that they could help me reduce my student loan amount using federal programs. Since I am on social Security XXXX it was determined through Premier that my loans would be reduced to {$8000.00} from approximately {$160000.00}. My federal student loans had been consolidated through XXXX XXXX XXXX but I was not making payments due to a deferment. Most of my work was via phone but I have several emails from Premier, one of which is an approval by XXXX XXXX  to accept this new program. Premier told me that I would pay an initial 4 payments of {$240.00} for fees for their service in helping to set up my new repayment program. After the initial 4 payments I was to pay {$30.00} a month through a credit card. I made my first payment of {$240.00} on XX/XX/XXXX. I began making my {$30.00} payments XX/XX/XXXX to Premier. I was told that in 10 months I would receive paperwork to confirm that my financial status was still the same. During this time I continued to receive statements stating that I owed {$0.00}. Premier explained that this would happen and that I did not have to pay XXXX because I was on a new federal program. 
After 10 months I received a renewal form to confirm that I still qualified for deferment. I was confused by some of the repayment questions regarding what program I was on. I contacted XXXX to determine how I should answer as to what my program was officially called. XXXX  informed me that they had no information regarding Premier and that there was nothing in my records to confirm that Premier ever contacted them. XXXX  explained that I was on a financial deferment ( however interest still accrued ) through them. The person I spoke with told me that there were many fraudulent companies and that I needed to contact Premier. Concerned, I contacted Premier only to get a prerecorded message stating that the company was temporarily suspended and was being sued by CFPB through several states. There was no way to get a hold of anyone. 
I also contacted my credit card company to stop all payments to Premier. In reviewing my credit card statement I found that after Premier was suspended I was still charged {$30.00} but this time through a company named XXXX XXXX   XXXX. I have instructed the credit card co. to stop all automatic payments to either company. I have filed a claim with the credit card but at this time they have denied the fraud charges. I am waiting to get a letter of proof confirming that XXXX XXXX was never contacted by Premier and that no payments have been made to them.I am also working with Senator XXXX XXXX XXXX office in Connecticut.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-08-06
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)

XXXXXXXX XXXX XXXX XXXX fraudulently opened a collections account in XX/XX/XXXX. I live in NY and the statutes of limitations in NY is 3 years. This company opened this collection account which is negatively affecting my credit score, on an account that was closed in XXXX. That is 3 years past the statutes of limitations. I have disputed this account with the company and with all XXXX credit bureaus, yet it is still being reported on my credit report! This account needs to be removed immediately!
Consumer complaint received 2024-08-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-06
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. (MN)

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information XXXX XXXX XXXX XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX - XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXX  - Not all bureaus are reporting this account the way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report.
Consumer complaint received 2024-08-06
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)

My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2019-12-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My name is XXXX XXXX and I am a service member been on XXXX XXXX since XX/XX/XXXX. I financed a vehicle from XXXX XXXX XXXX through Capital One Auto on XX/XX/XXXX for {$21000.00}. The vehicle ( XXXX XXXX XXXX  ) was valued for nearly half that price but I was in need of a reliable car to get to my duty location so I agreed to the sale with a monthly payment of {$570.00}. 
One year later XX/XX/XXXX, I logged into my Capital One Auto account ( XXXX ) thinking that my loan should be substantially paid down, only to find out that for the last 12 months my loan balance was still over {$20000.00}. I immediately called Capital One and requested a review of all my payments and they explained that " all my payments were uptodate and applied to the interest of 24 % and that's the way the loan should have been explained by the dealership and they have nothing to do with that process ''. 

I explained to Capital One that my initial understanding was that the price included the interest since the vehicle had a value significantly less than the quoted price, at least thats how the dealer sold me on the purchase, and that's when I ask if as a servicemember, I could use the SCRA since I'm currently on XXXX XXXX and recently PCS ; they Capital One instructed me to send them a copy of my military orders. I sent them a copy but was denied and was told that I took out the loan after entering XXXX XXXX.
Consumer complaint received 2023-06-22
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. (TX)

HI 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 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-06
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. (PR)

Remove the following account for improper use of my credit report.The collection account are showing a past due ammount and a complete payment historia. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC (KY)

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt
Consumer complaint received 2024-08-06
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. (OH)

THIS IS NOT A REQUEST FOR DEBT VALIDATION OR VERIFICATION In accordance with the Fair Credit Reporting act, the CRA 's has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C .1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish/report an account without my written instructions They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. 

see attachments
Consumer complaint received 2024-08-06
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. (AL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-08-06
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. (AR)

Dispute the identity fraud and they stated that they verified it. 

They continue to report the disputed XXXX XXXX XXXX # XXXX account that does not belong to me on my report. 

I need to see the documentation they used to verify otherwise I will consider legal action.
Consumer complaint received 2024-08-06
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 XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 me 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 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 XXXX XXXX - 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 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

It has been over a year since my last credit report has been updated on Experian. My credit report via Experian shows it was last updated on XX/XX/2022. I have tried to contact Experian through phone and written letter, and have yet to find remedy in this situation. 

I have also submitted a complaint to Experian via CFPB on XX/XX/2022, letting Experian know that they have not updated my score online. Experian responded on XX/XX/2022 stating that they would mail me an updated report, but never mentioned updating my profile online. I am also unable to see anything from Experian when I use a third party, such as XXXX XXXX ( which pulls up all 3 bureaus ). The Experian section is completely blank. 

It appears that Experian is intentionally and willfully being neglectful in remedying my affairs. This is unacceptable, as 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law ; which Experian has NOT updated for OVER A YEAR NOW. This is unfair and against federal law.
Consumer complaint received 2024-08-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-06
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-06
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. (MA)

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX - XXXX XXXX, XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XXXX XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2024-08-06
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. (GA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.