davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TX)

I received an alert from my credit card company that my social security number had been alerted on the dark web so I went to put a freeze on each of my credit reports. I was unable to access my Transunion account online and so spent a long time on hold placing the freeze over the phone. I was then directed to a tech support phone number for transunion to regain access of the online account so I could lift the freeze when I needed too without having to wait on the phone XXXX minutes. The person on the phone told me they could not reinstate my account because the date of birth and email address didn't match. They indicated it had been changed on my transunion account. The rep refused to answer questions about how someone had been able to change the personal information on the account and requested I email my ID and electric bill so that they could deactivate the account. I was uncomfortable with the suggestion since I have no way to verify who they are or if the information was secure since obviously my information was not secure. The rep hung up on me after I asked the call to be escalated.
Consumer complaint received 2023-02-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Valor Intelligent Processing, LLC (TX)

Hello Respected Agency member, I have incurred toll charges in the state of XXXX  ( comes under XXXX ). 

I was notified thrice and also received mail from collection agency. 

My concern is I was not in the United States while i received the late notices. I was out of United States from XX/XX/XXXX - XX/XX/XXXX. I requested the agencies to dismiss the late fees and either parties deny to change the amount owed. For example, the Collections Agency says while the amount is referred to Collections Agency, the Agency can not make changes to the amount. Similarly, XXXX says they can not change the amount and that only the Collections Agency can change the amount. 

I am ready to pay the original Toll amounts and not the late fees since I wasn't in the US during this time frame when notices were sent. 

Kindly request you to expedite the resolution in this matter. 

Involved Parties : - XXXX - Valor Intelligent Processing Collections Center Thank you.
Consumer complaint received 2024-07-14
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ALLY FINANCIAL INC. (FL)

I had received notice via email that my checking account balance was overdrawn. I logged into my account to transfer money from my savings. Once logged into the savings, my account showed an available XXXX dollar balance. There was no trace of where the funds had gone and I did not receive a verbal or written ( via mail or email ) there was any issue with the savings. I called in and was told our money was on a hold and would be released XX/XX/XXXX. Upon becoming upset as this is interfering with money to feed and provide for my child, I demanded a supervisor. After XXXX minutes being on hold, I spoke to XXXX. I was advised by the original agent XXXX was a supervisor. I explained to her my current situation and notified her no notices were sent. She looked back and confirmed my statement. She noted they can only remove the block on my money in the savings when I get the checking account in positive standing. I asked her to apply the money from the savings but she deflected answering this request and said this would go to management for review. I asked her what her position was and again, deflected the question. She only reiterated the account needing to be in positive standing to release the hold. I advised her every week we are paid and every other week another check comes in so the money is replenished every single week. We have banked with this company for about a year and been in negative balances before and have never had an issue like this.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by TransUnion. I have sent in this report but these fraudulent items still remain.
Consumer complaint received 2024-07-14
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. (CA)

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 items I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : JPMCB Card, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
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. (NJ)

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-14
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: TRUIST FINANCIAL CORPORATION (VA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-04
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. (FL)

In according with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights 15 U.S.C 1681 section 602 A States I have the rights to privacy 15 U.S.C 1681 Section 2 It Also states a consumer reporting agency can not furnish a account without my Writen instructions During the pandemic I lost my job and had to give up the vehicle because I could not continue paying the fees.

and this information is negatively affecting my credit history.
Consumer complaint received 2024-07-05
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. (NY)

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Unable to submit a dispute online and given a message telling me I have to call to submit a dispute is counterproductive. Why do I have to wait on hold and waste my time to talk to a live person? Credit reporting bureaus should not be allowed to inconvenience consumers by making the process to dispute errors INCONVENIENT and difficult. This only prevents people from submitting disputes.
Consumer complaint received 2019-07-30
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: Experian Information Solutions Inc. (TX)

As of XX/XX/2019 Experian has continually failed to properly update information regarding a previous mortgage account. 

In regards a complaint handled by CFPB the mortgage company had made errors regarding reporting date of first Delinquency. 
The mortgage company corrected the error and issue was resolved through CFPB complaint number XXXX Unfortunately, even after receiving the information related to this complaint and subsequent update and letter from the mortgage company. Experian has failed to properly update this record after again being disputed through their dispute process
Consumer complaint received 2024-08-07
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (OH)

The amount of interest collected on the loan is oppressive, and I am unable to make progress paying off the principal. Due to information recently learned, I believe the loan interest and fees are illegal in Ohio, as the rate should be capped at XXXX percent. This is not a mortgage lender.
Consumer complaint received 2024-08-07
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NC)

After filing several complaints with both Office Depot and Citibank neither responded nor cared to do anything about it. This left me with no other options other than to file a complaint with the Attorney General 's Oce and now with the CFPD. I have only received two emails regarding the complaint and the complaint was filed back in early XXXX. 

I purchased both a printer and a computer with a 3-year extended warranty on both. At the time I was told they were running a promotion that would allow me to take advantage of interest-free payments for 12 months. This is what sold me so instead of going with Best Buy I went ahead and applied for an Office Depot credit card and purchased both products. 
My first payment was due XXXX of XXXX and ended XXXX of XXXX. I noticed that three months into my promotional plan they started charging me interest, I called customer service and was told promotional plan was only for 6 months not 12 months and the store had told me the incorrect information. So, I immediately went to the location where I purchased the items and confronted both the sales rep and store manager, and they told me it was a 12-month promotion and to reach back out to customer service and let them handle it. Neither Corporate, Customer Service nor the Store did anything about it and they have not up to this point. I have reached out several times and have gotten nowhere. Another issue I was having is the allocations of payments, how much was applied to the principal balance, apparently when I made a payment Office Depot decided how much went to the principal and how much of my payment was applied to interest. It seems the interest won that battle and if I wanted to entire payment to only be applied to the balance, I had to call customer service every month requesting this. Last my Extended Warranty has not been honored and XXXX argues that I never purchased it, and I have documentation proving otherwise. After a lengthy conversation with my Attorney this sort of thing should never have happened. One miss handling my payments and too offering a promotional plan with no intent of honoring it. Second, Office Depot reported to all three credit bureaus false information regarding a delinquent payment that never happened. And one last thing, Office Depot blatantly ignored all correspondence sent to them from the Attorney Generals Office, nearly taking 2 months getting back with them and as me. I am not sure if I am comfortable communicating with them at this point, they have proven to be disloyal, dishonest, and dishonoring in their words. I have retained counsel, and his name is XXXX XXXX XXXX. If you have any further questions, please have Office Depot reach out to him. 

XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I am having an issue getting my consumer report from Chex Systems , Inc., I want Chex Systems to mail me a full and complete copy of my consumer report ID : XXXX. Full Name : XXXX XXXX XXXX, DOB : XX/XX/year>, SSN : XXXX
Consumer complaint received 2024-07-04
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)

I have been disputing inaccuracies on my credit report since XXXX, Transunion still haven't deleted or corrected inaccurate information, I've made all my payments on time, paid off XXXX XXXX, XXXX, XXXX accounts. Transunion sent updateds which was not updates on XXXX and XXXX which wasn't updates there was no change on my credit report, XXXX XXXX they said was verified, I'm asking for the FURNISHER to sent me the information they used to verify and update XXXX XXXX XXXX, XXXX accounts.
Consumer complaint received 2024-07-04
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-04
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. (FL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-07-05
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. (OK)

-- -- -- -- -- -- -- -- 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 informationisinaccurate.
Consumer complaint received 2024-07-05
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. (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 informationisinaccurate.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent a letter to all the credit bureaus to let them know the information on this XXXX XXXX XXXX account is incorrect and needs to be corrected or removed. The XXXX XXXX XXXX account needs to be corrected. I also have told them I am the beneficiary of this XXXX XXXX XXXX  account and information being acquired from this account are incorrect under the XXXX codes and their duties under the XXXX 's Law and CFPB laws as well. I have found myself as the beneficiary of this account and need the account clear and correct due to the XXXXXXXX XXXX XXXX XXXX  ; one can not demand a certain form of currency that they want to receive if it is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and As the beneficiary of the account in XXXX XXXX XXXX 
I upload information companies I did not get anything and these companies and the credit agency did go XXXX things that was not able to opt out of the application and made notes or bonds that was sold international to create a form of money. I am to not got any of this fund that they have been sell my trust account information in the country or on the stock market Without prejudice and without recourse and no recourse
Consumer complaint received 2024-07-05
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)

XXXX XXXX has discharged the debt, file 1099 with IRS. This is considered as income once discharged and should not be reported on credit report and with the credit reporting agencies like TransUnion, XXXX, and XXXX, and any other reporting agencies. Once they have sold or transfer the purchased money loan agreement or contract to a third party purchaser, then this illegal reporting should not be on my credit report. I requested that they removed this from my credit report immediately to no avail. This is considered as income according to the IRS, and income should not be reported on credit report of the consumer.
Consumer complaint received 2024-07-05
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)

Credit Agencies continue to report lates on my consumer report which is in violation of U.S Code 1681b permissible purposes of consumer reports and 15 U.S Code 1666b time to make payments,,, I've asked credit agencies not to report this information per 15 U S Code 6801 reporting non public information ..Please ask credit agencies to report all lates as paid as agreed or remove these accounts immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I am also asking for validation and verification of these accounts that are being reported on my consumer report without my consent to be removed immediately.Ignoring these request means there is a willingful noncompliance in which i intend to sue for FCRA Violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please make the following corrections per FCRA LAWS and send me a updated corrected report
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NJ)

Deposited a check from my business XXXX account on XX/XX/24, on XX/XX/24 the funds were taken from my business XXXX checking account. They are saying my money will be available on the XXXX of XXXX. The check was not post dated check, stale dated check, the redeposit of previously bounced check, and with with obvious signs of forgery. I wrote the check to myself to deposit to my personal bill paying account. The check was under the XXXX threshold. It appears Ally Bank isnt following the requirements of Regulation CC - the regulation that implements the Expedited Funds Availability Act. ( XX/XX/XXXX ). Regulation CC allows a bank to hold deposits, even of XXXX 's checks, that are greater than $ XXXX - banks can't unilaterally lower that amount. The notice received does not appear to comply with the requirements for such an exception hold. I asked the Bank to correct the matter and I was told the money will be available on the XXXX, have a good day nothing they can do.