davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
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. (AL)

In accordance with Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with TransUnion 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 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. 


TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-08-09
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. (AZ)

I am seeking your assistance concerning this incorrect account reflected on my credit report. I am bringing this to your attention as it has harmed my reputation, and I need your intervention. Your mishandling of my credit report left me desperate because your erroneous reporting tarnished my reputation. It is crucial to eliminate these errors so I can live peacefully with my family.
Consumer complaint received 2024-08-09
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. (CA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-09
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. (CA)

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 2024-08-10
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. (NY)

XXXX XXXX XX/XX/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 XXXX XXXX ) Please remove theses unauthorized inquiries from my credit report. These are fraudulent.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Re : Formal Complaint Against XXXX XXXX, Mortgage Account Number : XXXX Dear Sir or Madam, I am writing to formally lodge a complaint against XXXX XXXX  regarding the mishandling of my mortgage payments and the subsequent reporting of a late payment to the credit bureaus. 

Background Information : Account Number : XXXX Mortgage Holder : XXXX XXXX Date of Incident : XX/XX/year> Mortgage Payment History : 42 on-time payments with XXXX ( none late ) ; no late payments across multiple mortgages with other banks. 

Summary of the Issue : In XX/XX/year>, I was enrolled in autopay for my mortgage with XXXX XXXX. However, without my knowledge or consent, XXXXXXXX XXXX system inexplicably turned off my autopay, resulting in my mortgage payment not being processed on time. 

On or shortly after the first of XXXX, I received a call from XXXX XXXX  informing me of the missed payment. I immediately provided the XXXX operator with instructions to process my payment. The operator assured me that the payment had been processed and that everything was in order. 

However, the following month, I was shocked to receive another call from XXXX XXXX, this time informing me that my XXXX payment was now over 30 days late. I once again provided the same payment instructions to the second XXXX operator, who assured me that the payment was processed correctly this time, and indeed it was. 

This situation arose due to two critical failures on the part of XXXX XXXX  : Autopay System Failure : XXXXXXXX XXXX system inexplicably turned off my autopay without my knowledge, which led to the missed payment. 

Operator Error : Despite my prompt action to rectify the situation in XXXX by providing payment instructions, the XXXX operator failed to process my payment as promised. 

As a result of these failures, XXXX XXXX  reported my XX/XX/year> payment as 30 days late to the credit bureaus. This reporting is unjust and inaccurate, given that I took immediate action to resolve the issue and relied on the assurances provided by XXXXXXXX XXXX representatives. 

Steps Taken to Resolve the Issue : I have made multiple attempts to resolve this issue directly with XXXX XXXX, but my concerns have been dismissed. Despite my long history of on-time payments and responsible financial management, XXXX XXXX  has refused to take responsibility for their errors or to correct the inaccurate credit reporting. 

Request for Resolution : I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist me in compelling XXXX XXXX  to withdraw the late payment report from the credit bureaus. This erroneous report has caused unwarranted harm to my credit standing, and I believe it is essential that XXXX XXXX  be held accountable for their actions. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-25
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/year> - Notice of Request For Confirmation of Account Charge Of They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/year> - Notice of Request to Remove Information from Credit Report They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/year> - Notice of Request to Remove Information from Credit Report They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/year> - Request for Cancellation of Debt Information and XXXX Form They responded back with a letter to call them even after I requested all correspondence to go through the XXXX XX/XX/year> - Notice of Request for Cancellation of Debt Information, inaccurate Information on Credit Report - They responded back with a letter to call them even after I requested all correspondence to go through the XXXX
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (CO)

2 Personal Loans from XXXX XXXX XXXX was recently paid off. The team @ XXXX indicated that they've provided updates to the ( 3 ) credit reporting agencies about the paid-off & closed account status ' however Experian for example, has informed me that the status of my XXXX accounts will remain unchanged showing both accounts open with a current balance as per the request from XXXX. 

Please see the attached email from the office of the CEO @ XXXX confirming the accounts were paid in full, closed, and the credit reporting agencies were notified. 

The delay in updating my credit report showing a {$0.00} balance and closed account status is delaying my ability to complete the refinance of my mortgages since my credit report has incorrect information about the total amount of debt I currently have from the opened accounts. 

Account # : Loan 1 # XXXX Loan 2 # XXXX
Consumer complaint received 2024-08-09
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 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 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/XXXX, mt credit reports on all three show different amounts owed and different remarks. Due to these errors my credit score decreased by XXXX points. The oldest age for my student loan account by XXXX XXXX is 22 years and one month. There are balances still reporting throughout all three credit bureaus. TransUnion XXXX and XXXX are showing different things. Some say closed and some are still opened. This has impacted my credit score tremendously and need to be corrected. The student loan company has confirmed That I do not owe a balance
Consumer complaint received 2024-08-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL (NY)

Good Afternoon To Whom It May Concern, i have been trying get contact with this company for a long time now to retrieve my money that was taken out of my personal account and even though I sent in serval copies for XXXX until XXXX worth of bank statements and never got a sent bank they went into my account 97 times and never answered why they did this and why didn't get anything back
Consumer complaint received 2024-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My XXXX account was hacked and used to for fraudulent transactions linked with my debit card but my biggest concern is with my bank and the reason my fraud claim was denied. I spoke with many Bank of America associates even going inside of a branch with two forms of ID to be able to see my status of these claims. and the claim I made XX/XX/XXXX been completed I went into the branch on XX/XX/XXXX they told me my claim was denied because my XXXX XXXX was used previously before in transactions and the representative there told me to fax an appeal for it so I did. Once it was faxed I sent it out and the claim was reopened but for many days this week I've been having to fax more appeals because it was getting denied. Today I was able to call and when I did a representative told me that the reason why it was denied again this time it was because they said they've sent an alert to my phone and to my email to confirm the transaction and they said I did authorize it but while on the phone with the fraud department and a representative looked into my notes on the XXXX of XXXX and she said there was no alert sent to your and there was not a note that was saying I completed it so it was a lie. Bank of America has been denying my claims constantly and I want this to stop so I can leave this situation alone
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a letter in the mail saying I had been prequalified for a Capital One Quicksilver Card. The letter said to visit : getmyoffer.capitalone.com. On XX/XX/XXXX or XXXX ( XXXX  ), I visited the site and entered my information. I was given an offer I didn't like and I didn't follow through with actually accepting the credit card. Up until this point all of the language on the site was geared around " Viewing an offer, '' I didn't select anything related to actually applying for a credit card. So after I saw the offer I logged out of the account. Today, XX/XX/XXXX I got an email saying my new credit card had shipped. So I called Capital One and told them to close my account. 

I don't remember the actual language on the site, but I specifically avoided selecting the option to go ahead and open the credit card.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My accounts 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 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 XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In XX/XX/XXXX, I asked XXXX XXXX  to provide me with original documentation that proved information they submitted on my credit report. I requested the information to XXXX ( XXXX ) and XXXX XXXX XXXX ( Collection agency ) by email, and certified mail. I do not recognize any loans owed with the amounts XXXX XXXX  reported to the credit bureaus. In XX/XX/XXXX, a private loan that appeared in my name with XXXX XXXX for the amount of {$9300.00} was canceled, for personal reasons I did not continue in the program and requested that the loan be returned to the creditor. In XX/XX/XXXX I received approval from the Borrower Defense to Repayment due to XXXX XXXX XXXX improper practices and high-pressure sales tactics to retain students. causing students to become involved in hard-to-pay student loan debt and received discharge of all federal student loans with XXXX XXXX. In a previous complain that I submitted with your company, XXXX XXXX  stated that they sent the information by an attached link, but that was not correct. There was not any documentation.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

JPMCB CARD Account XXXX Dear Chase Representative : This is a formal complaint about this account appearing on my credit report.This inaccurate infomation is penalizing me unfairly and illegally ; and this is causing me distress as it is damaging my credit score. 

A credit report is supposed to be XXXX percent accurate, not XXXX percent accurate. 

I am disputed this account information as being inaccurate, and you ALWAYS responded by verifyand update. But how is that possible? The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. 

You failed to the law 15 U.S.C. 1666b. Timing of payments ( 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 ) is mailed or delivered to the consumer not later than 21 days before the payment due date. 

i never received a email 21 days before before payment due you failed to the law i request to REMOVE THIS ACCOUNT FROM MY CREDIT FILE. THIS ACCOUNT HAS BEEN DELETE ALREADY FROM : XXXX, XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-03
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: Experian Information Solutions Inc. (AL)

in accordance with the Fair Credit Reporting Act XXXX Account # xxxxxx XXXXXXXX XXXX ( XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXXXXXX XXXX Account # xxxxxxxxxxxx XXXXXXXX XXXX Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXXXXXX XXXX XXXX Account # xxxxxx XXXX XXXX Account # xxxxxx XXXXXXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX Account # xxxxxx XXXX XXXX XXXX XXXX ( {$30000.00} ) Account # xxxxx XXXX XXXX, XXXX ( {$63000.00} ) Account # xxxxx XXXX XXXX XXXX ( {$3300.00} ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-08-10
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)

After thoroughly reviewing my credit report, I have identified multiple accounts that do not pertain to my financial activities. These entries have not only damaged my credit standing but have also caused me significant distress. I demand immediate action to rectify these discrepancies.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Since had this card for years with no annuals fees, and never paid one. But on XX/XX/year> the credit card charge a CAPITAL ONE MEMBER FEE of {$39.00}, without any advance notice of said fee nor an option to except or reject said fee. This is not an authorized fee nor any pre notification.
Consumer complaint received 2024-08-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To clarify : it was not a bankruptcy, I just did not know which other option to choose. 
On XX/XX/XXXX, TransUnion had accepted a dispute and deleted the account credence resource management in the amount of XXXX resulting from bring a victim of a natural/ declared disaster. TransUnion acknowledged the dispute two more times under the account ad astra recovery service on XX/XX/XXXX and XX/XX/XXXX. Since then I have repeatedly been denied credit and have had to indure my credit score to drop because this account. It's apperard twice as an ic system account but I was denied both times when disputing. I acknowledged my faults for not understanding which answer to choose, being under the impression I no longer owed that debt nor had to claim responsibility. But when disputing this last time, I was denied once again. In my opinion, TransUnion failed to do their due diligence and has caused me much suffering XXXX XXXX  since XXXX.