davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need to dispute the accuracy of an account on my credit report. The account in question is with XXXX XXXX XXXX and has an account number of XXXX. It was opened on XXXXXXXX XXXX XXXX and has a balance of {$0.00}. After reviewing my credit report, I noticed that there isn't sufficient evidence to confirm the validity of this account. The information provided is vague and doesn't give enough details for me to verify its accuracy. As per the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of this account from my credit report since there isn't enough evidence to support its existence.
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. (CA)

This account for XXXX XXXX ending in XXXX has a XXXX balance and was never late. 
An update on XX/XX/XXXX was old and from a previous months closing statement, As of XX/XX/year> this account has a XXXX balance. its had had a XXXX balance for over a month. Not sure why company reported incorrect data on XX/XX/XXXX. This account balance needs to be updated to reflect the XXXX balance. check back with XXXX XXXX. XXXX and TransUnion still showing a balance. XXXX has been corrected.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XXXX I opened a personal account with Bank of America, and in XXXX I opened a Checking and Saving Account for my Small business, mid-year in XXXX Bank of America froze my Business and Personal Account, and after trying to get some answers I finally spoke with an agent in customer service that my account had been frozen for unusual activity and could not elaborate any more than that, I spoke with a branch manager at the local BOA and he informed me that it could be resolved in a few weeks but to give it 45 days, but it could take up to 2 years for BOA to complete an investigation. My small business had just received a XXXX  Loan for over XXXX I asked if that was the issue and they could not tell me. During the COVID-19 years, it was very difficult for any small business to survive and we were no different, I had employees to pay and other bills, so you can imagine when we received those funds I informed my employees that we had secured funds to back pay them, then this happened with BOA and it was heartbreaking to have to tell my employees that they were not going to get paid and that they would have to wait until I found other resources. You can imagine how frustrating this was to me, both my personal and Business accounts were frozen by Bank of America, I asked about un-freezing my personal account so I would pay my employees out of pocket, but they basically said NO. after repeatedly trying to get answers and getting nowhere, I just accepted it for what it was, between both accounts there was over XXXX I have continued to call or visit the local branch a couple of times through the past years and was provided with no information, I believe my accounts were not just frozen they were closed as I tried to log into my accounts a few months back and the system returned no account found. 
I was told it would take up to 2 years to release my accounts, well it's been 2 and a half years now since I last called again to try to get some updates the agent informed me that no investigation has been started, I really want to know why my funds are still frozen and why no ones has reached out to update me in the past few years. 

Best XXXX XXXX
Consumer complaint received 2024-07-22
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. (MD)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

I have synchrony bank who wants me to reimburse them XXXX for merchandise I did not receive in XXXX, even though a credit was provided Now in XXXX synchrony is asking for there refund back Also closed cases have never been closed by them even when merchant settles the case and or synchrony bank I do not owe them Money
Consumer complaint received 2024-07-24
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)

Dear Transunion, I am a victim of XXXX XXXX. The information listed below, which appears on my credit report is the result of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$33000.00} ; XXXX XXXX, {$4700.00} Department of Education XXXX ALL {$44000.00} ; Department of Education XXXX {$100000.00} Department of Education XXXX {$10000.00} Department of Education XXXX {$3500.00} Please block this information from my credit report within four business days pursuant to 605C of the fair credit reporting act. Please send me notification of the acts taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (NY)

I have 2 federal student loans serviced by MOHELA. When the SAVE plan was announced, I immediately filed an application to switch my payment plan to the SAVE plan, as I would save over {$100.00} a month. MOHELA confirmed receipt of this application on XX/XX/. MOHELA did not process the application in a timely manner, and placed me on an administrative forbearance through the end of XXXX to give them time to process the application. I received a bill for my first payment on XX/XX/, due XX/XX/, with the amount I was paying on my original plan due. The following day, my SAVE application was processed, and my new monthly payment was put into effect, but did not apply to the bill I was issued the day before. 

I called MOHELA and they told me that because the bill was generated before the SAVE  application was processed, they could not retroactively apply the new payment amount to the generated bill. They waited literally 1 day until after the bill was issued to process the application... for an application that I put in several months before.
Consumer complaint received 2024-07-25
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. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-24
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. (FL)

Account name : XXXX XXXXXXXX Account Number : XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

It has come to my attention that XXXX XXXX has been illegally reporting my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant to 15 USC 6802 you are required by law to give me 3 disclosures. I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I am herby requesting all above disclosures required by Federal Law. If you are unable to provide the signed agreements please delete this account off of my credit profile.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I tried to deposit my checks about 5 of those to the Bank of America atm machine it took all the checks and gave me error saying they could not completed the transaction but I have the receipt shows {$3100.00} deposited a few days later it went back to negative. have trying to solve this problem since XX/XX/XXXX  but no results. 
transaction date :XXXXXXXX  amount : XXXX place XXXX nj ATM machine
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (CA)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 


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
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I still disagree with the accounts below which are still appearing on my credit report, even after multiple CFPB complaints and investigations. The inaccuracies are highly injurious to my score. This information continues to falsely manipulate my credit report. Transunion has failed to properly investigate this account after 4+ complaints. This neglect has again violated my consumer rights. I am demanding a removal of the following accounts 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 I submitted dispute XX/XX/year> but Transunion site is showing start date as XX/XX/year>. To my understanding Transunion pledges to review and update accuracy of all items on my credit report within 30 days. If information is not consistent they are obligated to remove those inaccurate items.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my follow up complaint, I sent a letter on XXXX XXXX to remove accountsthat 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 orinformation not later than XXXX business days after the XX/XX/XXXX .Ive alreadyincluded this in my previous Complaint XXXX  & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : 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 Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXX/XX/XXXX
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)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
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)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2024-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-22
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. (OK)

I requested a copy of my free annual credit report and there was accounts that didnt belong to me its stopping me from purchasing a home for me and my family its causing me great stress that I cant purchase a home so I contacted my bank for them to freez all my accounts until further notice
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I HAVE BEEN IN CONTACT NUMEROUS OF TIMES WITH ALL 3 CREDIT REPORTING AGENCIES DUE TO A MIX UP WITH MY SOCIAL SECURITY NUMBER. THE NUMBER THESE AGENCIES HAVE ON FILE XXXX IS NOT MY SOCIAL SECURITY NUMBER. I HAVE BEEN DENIED HOUSING/ CREDIT / LOANS, CAR LOANS ECT , DUE TO THIS MIX UP. I HAVE BEEN LIVING HOUSE TO HOUSE SOMETIMES ON THE STREET DUE TO THESE CIRCUSMSTANCE WITH THE 3 MAJOR CREDIT BUREAUS REPORTING WRONG PERSONAL INFOMATION ON MY CREDIT PROFILE. I HAVE DONE ALL I CAN DO TO FIX THIS SITUATION ; MY ONLY OPTION LEFT IS TO SUE THESE AGENICE FOR NEGLIGENCE AND PAIN AND SUFFERING I HAVE ENDURED BECAUSE OF THIS MIX UP. THIS IS MY FINAL ATTEMPT AND ADDS MORE PROOF TO THE FACT I HAVE NOTIFIED AND PROPERLY EXPLAINED MY POSITION TO THESE AGENCIES IN THE EYES OF THE LAWS THAT GOVERN THEM. ON TODAY XX/XX/24 I WILLL BE ATTACTHING MY STATE ISSUED IDENTIFICATION CARD ALONG WITH MY GOVERNMENT ISSSUED SOCIAL SECURITY CARD IN HOPES THIS MATTER GETS RESOLVED.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CO)

I had an auto loan with XXXX XXXX that matured on XX/XX/XXXX. Due to having deferments on the account, I still owed a balance. I had continued to pay as agreed, and have never gone 30 days past due on making a payment. I called XXXX XXXX and spoke with a manager on Tuesday XX/XX/XXXX, as well as Thursday, XX/XX/XXXX due to a payment I had made on XX/XX/XXXX, not properly reflecting on my online transaction history. I was advised that due to the loan maturing, that the next payment date would not reflect online. I specifically asked the manager during both calls, if this would result in being past due with the credit bureaus. During both calls, a manager specifically responded and stated that the loan has simply matured, and that I should continue to make payments as agreed. This is what I have done, however, XXXX XXXX is reporting to the credit bureaus as of XX/XX/XXXX that I am 30 days past due making a payment on this account. I have called XXXX XXXX and requested to speak with a Credit department, and have been advised that one does not exist. I am requesting additional assistance from the CFPB in regards to this matter and having the late payment reported to the credit bureaus removed, as I am not 30 days past due on my payments and have made at least the minimum payment if not more each month.
Consumer complaint received 2024-07-24
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. (SC)

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXX  XXXX without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX XXXX  XXXX, nor did I provide written consent for my credit report to be accessed
Consumer complaint received 2024-07-24
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: EQUIFAX, INC. (GA)

I was advised by a XXXX rep to fill out this report because of unauthorized inquires in my report, please remove all these Unauthorized inquiries on my report. 

Bank Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Bank Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Bank Name : XXXX Date of inquiry : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Bank Name : XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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. (FL)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX