davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
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)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, ON MY CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports and YOU DID NOT REQUEST Form SSA-89 for me to sign when application for credit was filed so therefore thered be no proof of me applying for anything please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The personal information on my credit report is incorrect. I have included my documents so you can update it. Please correct and update my personal information as soon as possible. My correct address is XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-08-07
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. (PA)

PLEASE SEE MY EXHIBITS ATTACHED PROVING FCRA VIOLATIONS ( see the attached ) For the past XXXX  months i have submitted certified letter dispute pointing out to the company 1692 FCRA violations yet they refuse to remove the in accurate information and account.

I have even seek the CFPB assistance and the inaccurate accounts remains. For the last time please take a look at my attachment and follow along : Item # XXXX XX/XX/XXXXXXXX REFORTING TWICE ITEM XXXX XXXX  # XXXX Reporting twice XXXX. XXXX XXXX XXXX XXXX have been reporting account with {$24000.00} balance twice on my credit report for the past 36 months. 

Once again they reported the same account closed several times twice also with different closing dates and date of last payment. 

Such as Account closed on XX/XX/2024, the same account closed again on XX/XX/2024 and reporting as XXXX seperate accounts on credit report : ( see the attached ) Questions : XXXX How can you verify the same account numbers reporting twice on a credit report? 

XXXX. How can you say you call the company and verified reporting inaccurate information? 

XXXX. How can you close the same account twice at the same time on a credit report? This is inaccurate and violation of FCRA laws. 

I now have enough credit reports to prove FCRA violations and damages done to my credit and life which also include the many times i disputed with the CFPB. 

Rather than wasting time on a lawsuit i keep pointing out these errors yet they willfully refuse to remove the inaccurate information from my credit report.

If they fail to remove these two items for my credit file i will move to file a FCRA complaint in Federal court where i will ask for compensatory and punitive damages for {$180000.00} for the damages this inaccurate reporting have caused me for the past 24 months.
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I had about XXXX reward points in my Bank of America Merrill+ credit card. The points are worth about {$1000.00} in redemption value. 

On XX/XX/2020, Bank of America suddenly closed my credit card without giving me a chance to redeem the reward points. This is a classic bait & switch tactic. Bank of America earned credit card processing fees because of my card usage. By denying my ability to redeem these rewards points, Bank of America kept all their credit card processing fees thanks to my business, but refusing to give me the credit card rewards as promised.
Consumer complaint received 2023-06-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

on XX/XX/2023 I went to my local 5th 3rd bank on XXXX XXXX, XXXX, IL and requested {$1200.00} to be wired to my cousin 's bank account in XXXX so he could pay my property taxes for the home I have there. The wire transfer was returned due to the local bank had input the wrong bank account number and XXXX number even though they had the printed document from my cousin 's bank with all the proper information. I found this out because my cousin said he never received the money, so I looked at the receipt the bank gave me. I called the bank and they looked into this and told me the wire was returned. I told them to cancel the wire as I had to give my other cousin who was out here visiting a check for {$1200.00} to give to my cousin so he could pay the taxes on time. Then at the end of XXXX the local bank called and wanted me to verify the bank account numbers, at this point I told them to cancel the wire, again, which they said they would do, then in XXXX I receive notice that they wired the money again, and it went through, I was upset as I told them to cancel the wire, which again was never done, I let my cousin know to watch for the money and to date, he has not received the {$1200.00}. I have tried multiple times to resolve this with the bank through their wire dept and dispute department, but no resolution, pretty much, I am out the money and they can not provide any documentation or information on their research that lead to them denied my dispute as to where the 2nd wire went, who did it, etc., no swift report, etc., and said I can not have copies of these documents. I asked to be transferred to their claim department to file a claim under their Errors & Omissions coverage as this was their mistake originally providing the wrong bank information as well as I did not authorize for them to put the wire through again and was never given any receipt for the 2nd wire transfer and I was told they don't have a claim department. So here I am out {$1200.00}, this is a major loss for me as I am XXXX XXXX XXXX with a very limited income. I am beginning to think that the local bank may have taken the money as they would not do what I told them to do and they keep trying to cover up their mistake. 

Time to look for a new bank!
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 those account 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
Consumer complaint received 2019-12-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I refinanced my home in XXXX with Carrington mortgage. At the time of the refinance I didn't have an escrow with my mortgage. I was lead to believe after closing I could remove the escrow account. In XX/XX/XXXX I sent written request and evidence of prepaid home owners insurance. The request was denied. I was told the mortgage had to be 6 months old. I wouldn't be eligible until XX/XX/XXXX. On or about XX/XX/XXXX I called customer service and they told me I was eligible as of XX/XX/XXXX to close the escrow account. I faxed over the request and it was denied. Carrington said I was more than 30 days late and the account had to be bought current. I researched and found contrary information. I've called and spoken to customer service, the escalation team and the corporate office. No one has been able to provide the statues or regulation that support their decision. According to what I can find my escrow should have been closed back in XXXX. I am exempt from personal property tax because I am aXXXX XXXX XXXX XXXX veteran. My homeowner 's insurance was paid in full in XXXX of XXXX and will be paid again in full in XXXX of XXXX. I have no need for an escrow account.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with 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 those account 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 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 2024-08-07
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. (IN)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2019-12-30
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)

XXXX XXXX XXXX ACCT XXXX {$1000.00} is reported as a Charge Off. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the agency, rather than investigating, they toss the issue back to the agency who then continues to report erroneous information.
Consumer complaint received 2024-08-07
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)

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Account name : XXXX XXXX XX/XX/XXXXount number : XXXX Date opened : XXXX XXXX Amount : {$5000.00} Account name : XXXX DEPT OF EDUCATION Account number : XXXX Date opened : XX/XX/XXXX Amount : {$5600.00} Account name : XXXX DEPT OF EDUCATION Account number : XXXX Date opened : XX/XX/XXXX Amount : {$5100.00} I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to formally dispute the inaccurate reporting of the XXXX  account ( # XXXX ) on my credit reports with XXXX, XXXX XXXX and TransUnion. The discrepancies between the credit bureaus reporting regarding this account are significant and misleading. Due to these inaccuracies, I demand the immediate removal of this account from all credit reporting agencies and request compensation for the damages caused, along with a thorough investigation into these issues. 

Inaccuracies Identified XXXX. Date Opened : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX. High Credit : XXXX and TransUnion : {$2100.00} XXXX : {$0.00} XXXX. Last Reported Date : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX. Date Last Active : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX. Date of Last Payment : XXXX and TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Late Payment Reporting : XXXX : Was 30 Days Late XXXX Time ( XXXX ). 
XXXX and TransUnion : No late payments reported These discrepancies, particularly concerning the high credit, last reported date, date last active, and late payment status, indicate significant inaccuracies. The inconsistency in reporting a late payment by XXXX, while XXXX and TransUnion report none, is especially concerning. 

Violations and Impact The inaccuracies in reporting violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. Such discrepancies can negatively affect my credit score and financial standing, leading to potential denials of credit or other financial difficulties.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.
Consumer complaint received 2024-08-21
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: EQUIFAX, INC. (IN)

I sent this request that the credit Bureaus reinvestigate the disputed account from my credit report as well as update this account from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX : {$1600.00}
Consumer complaint received 2020-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

I have a cancelled check stating they received the payment on XXXX XX/XX/2020. They entered the date in their system as XXXX XX/XX/2020. They began charging penalties and late fees. They harassed me with phone calls. I have been receiving third party notifications that they have reported me to credit agencies. I have been receiving calls from third party agencies offering me " debt relief ''.
Consumer complaint received 2024-08-06
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)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

I recently inquired before about my account being closed, and I got a response from citi executive team. The main issue is the funds left in the account, I was told by the team that I can walk in my nearest Branch with a third party to receive funds and when I proceed to do so, the Branch said they cant because there is a block on my account, I showed them the email sent to me by the citi executive team and they disregarded it because only the fraud team can approve whether I can access my funds. I called the fraud department and they arent helpful, they just hang up on me, and say the funds are going to be sent back to the issuer. And they wont put any note to let the branch release my money to me. This is MY money and I need it immediately. One person says I can go to the branch, another said I cant. I just need my funds as soon as possible.
Consumer complaint received 2023-06-09
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. (KY)

My name is XXXX XXXX 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.