davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
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 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 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 2024-07-26
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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX  XX/XX/XXXX. 
TransUnion XXXX XXXX XXXX XX/XX/XXXX. 
TransUnion XXXX  XXXX XX/XX/XXXX. 
TransUnion XXXX XXXX XX/XX/XXXX. 
TransUnion XXXX XX/XX/XXXX. 
TransUnion.XXXX XXXX XXXX  XX/XX/XXXX. 
TransUnion XXXX XXXX XX/XX/XXXX. 
TransUnion. 
XXXX XX/XX/XXXX. 
TransUnion I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-09-20
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2023 I called the number on the back of my Bluebird American Express Prepaid Debit Card, because I had noticed 6 unauthorized charges on my account. 
Unauthorized Charges as follows : XX/XX/2023 XXXX XXXX XXXX ATM Withdrawal {$100.00} XX/XX/2023 XXXX XXXX XXXX ATM Withdrawal {$200.00} XX/XX/2023 XXXX XXXX XXXX WA XXXX, CA {$55.00} XX/XX/2023 XXXX XXXX XXXX WA XXXX, CA {$110.00} In addition there were XXXX ATM fees for {$2.00} each which Bluebird Customer Service reversed those charges right away. 
During this call, we closed my card and they were sending me a new card. I was advised that i would need to wait for the XXXX XXXX transactions to post and call back when they do. I called back and reported the XXXX transactions when they posted to the account. I also uploaded the declaration of fraud they request on XX/XX/2023. On XX/XX/2023 I received an email from customer service saying " Based upon our investigation we have determined that no error occurred and that transaction ( XXXX ) in question was authorized. Therefore the transaction ( XXXX ) is not eligible for credit to your Account. 

You have the right to review any documents we relied upon in making our determination..I mailed the letter on XX/XX/2023. '' I called customer service on XX/XX/2023 and they apologized and said they could process it again. So I had them reprocess my claim and went through the exact same procedure and received the exact same results. In the mean time I had to send a second letter on XX/XX/2023 to request evidence because my tracking said it was delayed. on XX/XX/2023 they called me and told me that there was no evidence to send me. and that there excuse was Goods and Services ; Transaction was determined to be a possible billing error, otherwise valid charge, or inconclusive to be accepted as fraud. 
They sent me an email because i asked for it in writing. I can provide a PDF but the wording above is highlighted and when i saved to pdf it took off the highlights. but i can provide all evidence. 
I have basically told them that I have never been to XXXX and I was at my home when these charges took place. I also never write down my pin like they tell us. I believe my card was skimmed at an ATM machine ( that is the only place this type of card uses a pin number ) and then my card was cloned. I still have the card, it never left my possession.
Consumer complaint received 2023-03-31
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX 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 XXXXXX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (KY)

Due to 15 u.s.c 1681 ( a ) Accuracy and fairness of credit reporting 1681 ( e ) Compliance procedures ( b ) Accuracy of report 1681s-2 Responsibilities of furnishers of information to CONSUMER reporting agencies ( a ) and ( b ). NO PERSONAL INFORMATION OTHER THEN THE DOCUMENTATION THAT I PROVIDED SHOULD BE ON MY CONSUMER REPORT. The CRA are reporting Inaccurate information.
Consumer complaint received 2023-08-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NE)

as stated in my XX/XX/XXXX complaint, select portfolio services ( SPS ) is a predatory loan service and foreclosed on my deceased parent 's home during the covid19 federal mandate NOT to foreclose on ANY homes! SPS claims that because they " started '' foreclosure proceedings " before '' covid19 federal mandate was approved, SPS are in the clear to foreclose on any homes. My deceased parent 's home was foreclosed, the excess proceeds are being held by a non-disclosed 3rd party instructed by SPS. 
XXXXper SPS instructions regarding XX/XX/XXXX complaint, Supposedly the foreclosure attorney ( which SPS did NOT give contact info ), was to " help '' explain where the rightful heirs could obtain their proceeds from the illegal foreclosure sale that happened on XX/XX/XXXX, I called ombudsman at SPS spoke to a XXXX # XXXX and she gave a very inexplicable response as to where the excess proceeds are located and how the rightful heirs can obtain them, SPS also referred me to the XXXX XXXX XXXX 's office and they confirmed there are NO excess proceeds at their offices XXXXI called SPS ombudsman office back spoke to a XXXX XXXX and she refused to allow me to speak with a supervisor in order to escalate the issue further, furthermore SPS refers me to a non-existant foreclosure attorney PHONE NUMBER meaning as soon as you confirm the acct # they transfer to a dead phone line/vmail system that will NEVER answer
Consumer complaint received 2024-07-26
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. (MA)

I submitted a complaint against the Bureaus a month ago, but the inaccurate information on my report remains unchanged. Surprisingly, I have not received any response or acknowledgment from them, and my complaint has already been closed. I am seeking clarification on why my complaint was closed without addressing the issue or verifying my dispute. I need assurance that they have thoroughly investigated the inaccuracies and validated the accounts on my report.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted XXXX and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2024-08-02
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. (MS)

I recently obtained a copy of my credit report and noticed that I have some hard inquiries that I did not Authorize 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-04
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$9200.00}
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

In accordance with Fair Credit Report Act. The list accounts below has violate my federally protected consumer rights to privacy and confidentially under 15 USC 1681.XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violate my rights 15USC 1681 section 602 A states I have the right to privacy 15 USC 1681 604 states a consumer reporting agency can not furnish an account without written instructions 15 USC 1681c ( a ) ( 5 ) section : No consumer reporting agency may make any consumer reporting containing any of the following items of information any adverse item of information other than records of convictions and crimes which antedates the report by 7years 15 USC 1681s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that its is inaccurate
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

My account with XXXX, XXXX, XXXX XXXX, XXXX & 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 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 60 days 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, 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 8
Consumer complaint received 2024-08-01
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: EQUIFAX, INC. (FL)

XXXX 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 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

I RECENTLY PURCHASED A COPY OF MY CONSUMER CREDIT REPORT AND LEARNED THAT I HAVE " 27 '' UNAUTHORIZED HARD INQUIRIES ON MY CREDIT FILE HURTING MY CREDIT HEALTH. I DID NOT AUTHORIZE ANYONE TO MIS-REPORT OR FRAUDULENT USE MY SOCIAL SECURITY NUMBER FOR ANY PURPOSE OR MATTER WITHOUT MY WRITTEN CONSENT PLEASE REMOVE THESE FALSE INQUIRIES OFF IMMEDIATELY!!! 15 USC 1681B XXXX XXXX VIA DEALER XX/XX/year> 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX  ( Bank ) XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Finance ) XX/XX/year>XXXX XXXX XXXX XXXX ( Finance ) XX/XX/year>XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/year> XXXXXXXX XXXX XXXX ( Auto ) XX/XX/year> XXXX XXXX XXXX, XXXX ( Finance ) XX/XX/year>XXXX XXXX
Consumer complaint received 2024-07-26
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. (MA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-07-26
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX  XXXX XXXX
Consumer complaint received 2024-07-25
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 account with XXXX XXXXXXXX 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 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 paymen t reported in 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 XXXXXXXX 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