davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
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. (VA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice 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 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (WA)

Invoice received XX/XX/year>. I was out of town for the holiday weekend ( and mail doesn't move on the holiday ). I returned on XX/XX/XXXX with the statement due on XX/XX/XXXX. Even if mailed the date received it would not have had time to be mailed back before late fee is charged. 

In most cases, it arrives 4- 5 days before the due date and if there is a weekend involved, there is nothing I can do but accept the high interest rate. I realize I can do auto pay, and set-up electronic payments, but I do not trust the electronic channel and why should consumers be forced to in order to avoid late fee charges. 

I called the company XX/XX/XXXX to confirm that I made an electronic payment XX/XX/year> in full. I am not sure it will be received by XX/XX/XXXX, even with electronic pay. I asked them to prove through USPS Confirm with the barcode that the statement made it out of their facility, or print vendor for this timeline. Chase 's response is we allow 20 day, and that's all we can do about it.

I have excellent credit and do not have this issue with any of my other cards only Chase. I've been a loyal user for over 20 years, and over this year, I've ran into this issue 4 times. I feel bad for people that don't have electronic means, and no matter what they will have to pay these high fees, even if they pay in full.
Consumer complaint received 2024-07-09
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. (NC)

They are reporting information that is not XXXX XXXX compliant and they are in violation of the FCRA. All accounts and codes are included to document proof of these violation before litigation.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (FL)

On XX/XX/2023 someone tried to open a XXXX XXXX credit card without my authorization. As well as on XX/XX/2023 someone tried to open a XXXX XXXX XXXX Credit Card without my consent. These two inquiries are showing on my credit report and they were fraud. I called both credit cards companies and told them it was fraud as well I called all three credit bureaus to inform them it was fraud as well. The credit bureaus put a hold on my credit so that anyone trying to open a line of credit needs to call me first before automatically approving it.
Consumer complaint received 2024-07-10
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. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-09
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. (GA)

I noticed that incorrect bankruptcy information was reporting on XXXX and Transunion. I disputed this information with XXXX and Transunion and they stated that this information was provided by the Bankruptcy court. However, I contacted the bankruptcy court that was listed on my credit report and they sent me a letter that stated that they do not supply any credit agency with any information. Please see the attached letter.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-18
Product: Credit card or prepaid 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: TRUIST FINANCIAL CORPORATION (SC)

On XX/XX/2023, XXXX XXXX XXXX XXXX XXXX requested a balance transfer be initiated from Truist cc XXXX in the amount of {$3000.00} to be paid to our account at XXXX XXXX We followed up with Truist on XX/XX/XXXX because we learned the payment to XXXX XXXXXXXX was not made and have since not been able to resolve the missing payment from Truist to XXXX XXXX. 

On XX/XX/XXXX, we were informed that the {$3000.00} payment had been paid out on XX/XX/2023. On XX/XX/XXXX, we received a letter from Truist along with the front and back of a paid {$3000.00} transaction and immediately contacted XXXX XXXX. XXXX XXXX issued a temporary credit to our account and indicated they would send us further information. 

On XX/XX/XXXX, we received a letter from XXXX XXXX requesting a copy of the front and back of the paid {$3000.00} item. On XX/XX/XXXX, we responded to XXXX XXXX by fax and email, enclosing the front and back of the {$3000.00} item. On XX/XX/XXXX, XXXX XXXX removed the temporary {$3000.00} credit and sent a letter dated XX/XX/XXXX that the {$3000.00} payment was not endorsed or cashed by XXXX XXXX. They wrote that the {$3000.00} check was endorsed by XXXX XXXX XXXX XXXX. 

On XX/XX/2023, I visited the Truist XXXX branch for assistance to locate the {$3000.00} and was directed to the XXXX XXXX XXXX XXXX. Once I visited and spoke with the XXXX XXXX XXXX XXXX, I was told XXXX XXXX can not research this matter, and that Truist is responsible to resolve this matter. I immediately returned to the Truist XXXX branch and was informed that a dispute had been filled regarding the {$3000.00} charge to cc XXXX. 

On XX/XX/XXXX, I followed up with Truist, and a fraud investigation was finally initiated ( # XXXX ). On XX/XX/XXXX, I followed up with customer service to find out the status of the fraud investigation and incredibly was informed that a fraud investigation was never filed. The Truist representative proceeded to file a fraud claim and provided the reference number XXXX. 

Here we are 5 months later, and still no resolution. I spoke with Truist yesterday, XX/XX/XXXX, and was informed I would have a response in 60 to 90 more days. 

In summary, XXXX XXXX never received our balance transfer from Truist cc XXXX ( Truist has since replaced cc w cc XXXX ). XXXX XXXX would like this matter resolved with no further delays, and our account be credited accordingly, including fees and interest.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My account with 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 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 2023-03-12
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: EQUIFAX, INC. (SC)

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there where still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX account # XXXX which is an auto loan. Has all kinds of inconsistencies where it is showing that it was las reported with XXXX on XX/XX/2023 XXXX on XX/XX/2023 and Equifax XX/XX/2023 I also could see that the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX Account # XXXX 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. it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-15
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account 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 listed account needs to investigate and correct for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX XXXX  Balance : {$7600.00}.
Consumer complaint received 2024-06-25
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. (TX)

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/XXXX
Consumer complaint received 2023-03-12
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: EQUIFAX, INC. (NC)

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. 

XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX BANK XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX5 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 2024-07-09
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. (WA)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-07-09
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. (UT)

My complaint is against XXXX XXXXXXXX XXXX XXXX in XXXX XXXX XXXX utah and against XXXX XXXX XXXX  XXXX  in XXXX XXXX XXXX utah. They both did hard inqirurys against my credit report with out permission. XXXX XXXX XXXX  conducted XXXX on XX/XX/XXXX XX/XX/XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX did XXXX inquirys on my credit report. Starting on XX/XX/year> through XX/XX/year>. I did not give them written permission to do these. I never went to these places and only spoke to a sales person over the phone agreeing to XXXX inqirury each auto group.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My account with XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 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 months that are reported late 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  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 2024-07-09
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)

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 2024-07-10
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-07-10
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. (IL)

My account with XXXX  XXXX. XXXX XXXX and XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX. XXXX XXXX and XXXX 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 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 months that are reported late 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 and XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove the following incorrect addresses and employer information from my credit XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employer : XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-07-09
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. (CT)

On XXXX XXXX I noticed inconsistencies on my credit report that are in violation of the Fair Credit Reporting Act. I have sent by mail supporting evidence to the Credit Bureau and still no satisfactory result. These inconsistencies include incorrect personal information and inaccurate balance reporting.I am exercising my rights under the FCRA and requesting the immediate correction of these inconsistencies. It is essential that personal information, such as my legal name and address, is accurately reflected on my credit report. Additionally, accurate reporting of balances is crucial for a fair and reliable credit assessment.
Consumer complaint received 2024-07-10
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. (SC)

In accordance with the fair credit reporting act the accounts listed below have violated my rights as a consumer. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX | account # XXXX XXXX XXXX| account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX | account # XXXX XXXX XXXX | account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX |Account # XXXX XXXX XXXX XXXX | account # XXXX XXXX XXXX XXXX| account # XXXX XXXXXXXX XXXX XXXX  | account XXXX XXXX XXXXXXXX XXXX XXXX| account # XXXX