davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
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. (OH)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

TransUnion Report : Chime-stride XXXX $ XXXX : XXXX XXXX XXXXXXXX $ XXXX : XXXX XXXX $ XXXX : Credit XXXX XXXX $ XXXX XXXX XXXX looked at a copy of my credit report and XXXX several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX Report : XXXX XXXX $ XXXX : First XXXX $ XXXX : XXXX $ XXXX : Capital XXXX $ XXXX XXXX XXXX XXXX XXXX $ XXXX Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX Report : XXXX XXXX XXXX $ XXXX : XXXX XXXX XXXXXXXX $ XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX PREVIOUS ADDRESS : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX PREVIOUS ADDRESS : XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX CURRENT ADDRESS : XX/XX/XXXX EMPLOYER : XXXX EMPLOYER : XX/XX/XXXX EMPLOYER : XXXX EMPLOYER : XX/XX/XXXX ___________________
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

During XX/XX/year> There was a XXXX XXXX with my Debit Card of XXXX $ that was no authorized by me. I had lost my card I told them that but for some reason they still denied my claim. and under my claim they put I don't remember the transaction when I told them on the call it was fraud. the bank is wells fargo
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I have received a copy of my Chex Systems Disclosure report and I have seen the inaccuracy of the reports. The account is from XXXX the XXXX  or account is XXXX XXXX. I had non sufficient funds with this company and this is reporting funds which is inaccurate.
Consumer complaint received 2024-10-16
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: U.S. BANCORP (CA)

Someone with the number ( XXXX ) XXXX and email address XXXX tried to apply for a US Bank credit card on XX/XX/2024 and it made a hard inquiry on my credit and dropped it down XXXX points. On XX/XX/2024 they were able to withdraw {$350.00} out of my savings account. I did not apply for a US bank credit card or anything associated with US Bank and nor did I withdraw any money from my bank savings account.
Consumer complaint received 2024-09-24
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 TransUnion was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I previously made a request ( CFPB # XXXX ) in XX/XX/year> for removal of a tradeline from my XXXX report XXXX Well, I recently found that the tradeline still remains on my XXXX and Transunion. This credit line was opened fraudulently, and needs to be fully removed from ALL credit bureaus. The lines are showing a delinquency which affects my credit.
Consumer complaint received 2024-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX  Inquired on XX/XX/year>
Consumer complaint received 2024-07-29
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. (GA)

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 2024-07-29
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. (WV)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

On XX/XX/year>, my company gave me an American Express XXXX XXXX as a bonus. The amount is {$500.00}. I have tried the card multiple times with various merchants, including XXXX XXXX XXXX, XXXX, and XXXX. I also tried to add the card to my XXXX XXXX wallet. None of this has worked. All of these merchants accept American Express. I called Amex twice and was told that the card is active and working and the transactions were denied because the merchants are not approved, to prevent fraud. One of these merchants is XXXX, the largest retailer in the world. The others are completely legitimate companies, including XXXX! Amex offered no solution except to keep trying different merchants. They could not provide a list of merchants where the card would work. After doing research online I found that this is a common problem - the cards work almost nowhere, and Amex can not provide guidance about where they will work. Numerous customers have had to resort to the CFPB in order to get Amex to satisfy the issue. I called Amex again on XX/XX/year>, to inform them that they either need to send me a check for {$500.00} or get the card to work, or I would be complaining to the CFPB. They said they could not do that and I should just keep trying different merchants. This is not a satisfactory answer. Amex apparently knows of this problem yet does nothing about it and is selling card to the public that they know do not work.
Consumer complaint received 2024-09-23
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. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need theses account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,
Consumer complaint received 2024-07-29
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. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-10-18
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. (GA)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681, Section 602 which states I have a right to privacy.

15 USC 1681, Section 604A Section 2, also states a consumer reporting agency can not furnish any account without my written instructions. 

Under 15 USC 1666B a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BTH Management (TX)

Yesterday on XX/XX/XXXX I received a call and voicemail from XXXX from phone # XXXX who couldn't even be bothered to provide their full business name which they later disclosed today on XX/XX/XXXX as being XXXX XXXX XXXX. The voicemail provided a file # XXXX and mentioned threats of a lawsuit review. I called the phone number back same day on XX/XX/XXXX and spoke to a XXXX XXXX who spoke XXXX using a lot of legal jargon and telling me this was about a XXXX XXXX XXXX loan from XXXX or XXXX. XXXX XXXX then stated she has record of me opening email communications of the debt through my IP address which is another scammy thing that's pretty much stalking since I would never consent to be tracked in any way by an unknown sender. Not sure how they are permitted to behave this way if they are a legit business. XXXX XXXX also threatened recommendation for my license to be suspended and or for a lien to be filed yet continued to say the debt is in dispute. XXXX XXXX said the borrowed debt is around {$900.00} but are showing a total amount of over XXXX that is due. XXXX XXXX gave me the phone # XXXX to call for further information. XXXX has never sent me a letter to explain their involvement in the debt and XXXX XXXX XXXX has nothing on file for me to explain where this debt is or was. I called XXXX XXXX XXXX today XX/XX/XXXX several times to hopefully speak to someone knowledgeable but they can't find anything. Today I called XXXX back to attempt yet again to get more information and spoke to a XXXX XXXX at phone # XXXX in the legal department who would not allow me to speak or ask questions about the debt and if I tried to ask anything he would yell and accused me me of borrowing money and not paying it back and of talking to him like he was a child. Very unprofessional! He mentioned my debt was sold but never said to who and said they have my fingerprint and video footage. Then afterwards, told me the call may be recorded which he shoulda said from the beginning! Very threatening! Poor and inadequate communication! 
Today I just got an email response from XXXX XXXX XXXX saying they sell accounts to Plaza Services LLC. These people don't answer the phone!
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DIGITAL FEDERAL CREDIT UNION (CA)

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX XXXX and XXXX. They ( XXXX ) received that letter with certified returned receipt on XX/XX/year>. I received a paper correspondence on XX/XX/year>, and XX/XX/year> Their response was a " XXXX '' response that " XXXX has a reasonable belief that the dispute is submitted by,, is prepared on your behalf by, or is submitted on a form supplied to you by,, a credit repair organization '' which is false the letters were sent by myself, without a credit repair organization, and without any forms created by myself and on my behalf. A second letter was sent on ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Consumer complaint received 2024-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

XXXX this claim was closed prematurely without allowing response. 

Attached is a screenshot from DOE regarding XXXX refunds. As stated it goes based off my VA XXXX  date which is XX/XX/XXXX not when the XXXX application is submitted/approved. Aidvantage is arguing for XX/XX/XXXX when the TPD was approved, which is incorrect. Aidvantage is in violation of DOE policy. 

Screenshot taken from XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company (WV)

I received a letter from Freedom Mortgage Corporation saying my loan servicing with XXXX had been transferred. I was surprised that they asked me to create a new account, and that the transfer process was not seamless. I had already previously set up a monthly auto pay, and had never been late since the inception of the loan. When I asked who owned the loan, all Freedom kept saying is that they were the servicer, trying to imply that they actually owned the loan as well, but would not talk towards ownership- in fact, they kept saying I as borrower was the owner of the loan. I tried in good faith to help them understand the difference between servicer and institutional bank owner of loan, but they kept repeating they were the servicer, wouldn't provide the information of who owns the loan and whether that had changed, and insisted that I take the time to set up a new autopay on their website. I looked up Freedom Mortgages reputation, and found they have been cited previously for unfair practices. Therefore, I am asking for restitution for failed disclosure, refusing to answer reasonable questions, and for my waste of time having to jump through their new hoops. For better practices purposes, I insisted on speaking with a company rep different than who I initially had the frustrating conversation with. I waited a significant period of time on hold to speak to someone on the " escalation team, '' and when I finally connected, I received satisfactory answers. However, I feel that my time was wasted, and that I should never had had to invest such long time with this serivcer.
Consumer complaint received 2024-07-29
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. ()

I am concerned about the validity and accuracy of the recent investigation into the accounts listed in my consumer report. Despite my multiple requests for a review, I believe these accounts are not being reported in accordance with legal standards. I received a letter indicating that the credit Bureaus investigation was completed and that the accounts were confirmed as accurate. Could they please provide a detailed explanation of how this investigation was conducted? 
For their convenience I have listed the alleged accounts in question : 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