davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally dispute a charge-off reported by XXXX XXXX on my credit report, as I believe the circumstances surrounding this charge-off were based on misleading and deceptive information provided by XXXX. 

On XX/XX/year>, I received a text message from XXXX XXXX stating that my account would be charged off within 5 days unless I resolved the issue I reached out that same day to explain my financial hardships. The very next day, I received a communication indicating that I had 30 days to rectify the situation and given a case number. Despite the 30-day notice, XXXX proceeded to charge off my account before the 30-day period had elapsed. 

When I contacted XXXX  to clarify this, I was informed that the agreement was no longer valid due to internal department changesinformation I was never made aware of beforehand. As a result, the charge-off was processed under deceptive terms, which directly impacted my credit standing. Today ( XX/XX/XXXX ) on my third attempt to reach out and get a fair resolution I asked to speak to the supervisor but after being on hold was told it would not be possible with no clear reason why, so I asked if they could please have her call me back and they said it was not likely to happen. 

I am requesting that TransUnion investigate this matter thoroughly and remove this inaccurate and deceptive charge-off from my credit report. I have attached the supporting documentation, including the misleading messages from XXXX, to substantiate my claim. 

Thank you for your attention to this matter. I look forward to your prompt resolution.
Consumer complaint received 2024-10-09
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 requested for Transunion and XXXX to delete the Chapter XXXX and XXXX bankruptcies from my report. they told me that they got my information from the bankruptcy courts, but i have proof that it was not true. I then demanded that they remove this from my reports and they have yet to comply. I have given them months to rectify the situation and they have yet to comply. The courts sent their response back in XX/XX/year>.
Consumer complaint received 2024-10-09
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)

I am deeply disappointed from the results of my last complaint- and I want you to know once again that these discrepancies in my report have become detrimental on my XXXX health because of how badly they are affecting my scores.
Consumer complaint received 2024-10-09
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. (SC)

I am writing to formally dispute a charge-off reported by XXXX XXXX on my credit report, as I believe the circumstances surrounding this charge-off were based on misleading and deceptive information provided by XXXX. 

On XX/XX/year>, I received a text message from Ally Financial stating that my account would be charged off within 5 days unless I resolved the issue I promptly reached out that same day explaining my financial hardships. The very next day XX/XX/XXXX, I received a communication from XXXX indicating that I had 30 days to rectify the situation as well as giving me a case number. Despite the XXXX notice, XXXX proceeded to charge off my account before the XXXX period had elapsed. 

When I contacted Ally to clarify this, I was informed that the agreement was no longer valid due to XXXXXXXX XXXX XXXXXXXX I was never made aware of beforehand. As a result, the charge-off was processed under deceptive terms, which directly impacted my credit standing. Today XX/XX/XXXX I reached out again for the XXXX time to try and get a fair resolution to this situation, I asked to speak to the supervisor I was on hold for a bit and then told she was unable to speak with no clear reason as to why, I asked to please have her call me back then as this is my livelihood on the line and they proceeded to tell me they could give her my contact information but she was not likely to call me back to address my situation. 

I am requesting that XXXX investigate this matter thoroughly and remove this inaccurate charge-off from my credit report. I have attached the supporting documentation, including the misleading messages from XXXX, to substantiate my claim. 

Thank you for your attention to this matter. I look forward to your prompt resolution.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on A

utopay. 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 to be removed/updated.

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.

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!
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. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX XXXX
Consumer complaint received 2024-10-30
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica (CA)

This complaint is seperate from the grounds in my pending matter:XXXX. More than a month ago, I requested via DirectExress ' customer service number, a copy of the information on which they relied in denying my application for fund reimbursement. That money was the amount stolen by a criminal when DX allowed him to access my account numerous times without authentication of identity. DX website allows for request by a cardholder for that info. After repeated requests of them, DX responded by emailing me a routine monthly account of transactions made long after their denial and entirely unresponsive to my request. Lately, DX has suspended my accesss and use of my account XXXX times on the ridiculous grounds that my identity was not verified. My identity has been well known to them for years. DX has failed to respond to my repeated demands for compliance with my info request as well as for reinstating my access and use of my account suspended without notice or justification.
Consumer complaint received 2023-04-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (TX)

The first of XX/XX/2021 I purchased a new XXXX XXXX. I have perfect credit and I understand how payments/principle/interest works. I received the best interest rate from Wells Fargo Auto. I always pay extra principle on payments that have interest. I have never had an issue doing this as long as it is specifically stated in the notes section of the payment... .ex : $ 402 monthly payment ; {$150.00} extra to principle. Wells Fargo refused to apply the extra principle to my account. They said it wasn't possible until I was at least 3 months ahead on the 'regular ' payment, and at that time it would go towards principle. Therefore, even though I was paying down the principle, they were not applying it correctly and I was paying interest on money I had already paid them. After multiple phone calls and emails, lots of hours of frustration, I re-financed my loan in XX/XX/2021 through my local bank. I have contacted Wells Fargo today to ask about the class action law suit regarding these practices. They said since my car was not repossessed, I would not be qualified for this class action. I disagree. They mis-applied my payment for 4 months, even after I contacted them on the phone and in writing stating that this was unfair, unethical, and likely illegal.
Consumer complaint received 2024-09-16
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : SCREENING REPORTS XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX section XXXX A. XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

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 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$160.00}
Consumer complaint received 2024-09-16
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. (AZ)

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide valid verification and original signatures. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DEPARTMENT OF EDUCATION FOR {$1500.00} Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you
Consumer complaint received 2024-10-09
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. (NV)

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 2024-09-16
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - Incorrect addresses XXXX - Incorrect XXXX XXXX XXXX XXXX - Incorrect Names
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 2024-10-09
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. (AL)

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX - XXXX - XXXX - {$14000.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$500.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TRUIST FINANCIAL CORPORATION (AZ)

I sent Power of Attorney documents to Truist Card Services to add a POA onto my account which would allow them to make decisions and transact on my behalf. 

Truist provided me a mailing address in XXXX, NC and a Fax number to send these documents- which I did on two separate occasions.

Contact with customer service indicates they did not receive nor process the documents and could not provide me any additional information.
Consumer complaint received 2024-10-09
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. (LA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
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. (IL)

I'm seeking your help to address the incorrect account reflected in my credit report. This concern has affected my personal reputation, and I need your cooperation in resolving it. The mishandling of my credit has devastated my reputation, and the inaccurate information must be removed immediately.
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (GA)

Violations Cited : 1. Failure to Provide Debt Validation ( FDCPA Violation ) The company has not provided sufficient proof of the debt as required under FDCPA Section 809 ( 15 U.S.C. 1692g ). They have not provided : o Documentation showing the assignment of the debt or proof that they have the right to collect it.

o An itemized breakdown of the debt amount, including how it was calculated.

o A copy of the original agreement with the creditor.

2. Continued Collection Efforts Without Validation ( FDCPA Violation ) Despite my dispute and request for validation, Spring Oak Capital has continued collection activities, Under FDCPA Section 809 ( b ), collection efforts must cease until proper validation is provided.

3. Inaccurate Reporting to Credit Bureaus ( FCRA Violation ) The company has reported the debt inaccurately on my credit reports with [ XXXX XXXX XXXX and they have not corrected the information. This violates FCRA Section 623 ( 15 U.S.C. 1681s-2 ), which mandates accurate reporting and timely investigation of disputes.

Georgia State Law Violations : 1. O.C.G.A. 7-3-29 - Ethical Debt Collection Practices The companys failure to validate the debt and its continued harassment constitute a breach of
Georgias requirements for ethical debt collection practices.

2. Georgia Fair Business Practices Act ( FBPA ) Under the FBPA ( O.C.G.A. 10-1-393 ), misrepresenting the debts status and failing to provide validation is considered an unfair and deceptive practice.
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (NC)

Inaccurate reporting, the account is in litigation. Under the doctrine of Estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. Also, see attachments.
Consumer complaint received 2024-08-22
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. (GA)

I never Authorize these inquiries to be pulled from my credit report and have asked all three credit bureaus to removed them, but they haven't. I requested it be removed XX/XX/XXXX. I dont recognize these lenders and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX  on XX/XX/XXXX Inquiry from XXXX  XXXXXXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NC)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.