davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have an account listed on my credit report from XXXX XXXX  XXXX XXXX. When I view my credit report the account is listed in collections and fails to state who the original creditor is. I had recently attempted to contact XXXX and XXXX to see who the original creditor is as its not showing that information on my credit report. The representative I spoke to with XXXX XXXX  XXXX tell me that they no longer have the account and I would need to speak with someone from a different agency to verify the information and make payment etc. They give me the phone number to XXXX  XXXX XXXX  and I contact them. After verifying the original creditor and me realizing the account is mine I make full payment to XXXX XXXX XXXX. The credit reports should have reflected accurate information. I want this account removed off my credit reports since I did pay in full.
Consumer complaint received 2024-06-26
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. (FL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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!
Consumer complaint received 2024-06-26
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. (NJ)

I have unfortunately become a victim of identity theft. In XX/XX/XXXX, I uncovered several accounts opened in my name without my knowledge or consent. Despite my efforts to dispute these fraudulent accounts with the Consumer Agencies, the issue remained unresolved, leading me to file an Identity Theft Police Report in XX/XX/XXXX. Through diligent follow-up, I successfully removed most of the fraudulent accounts. However, TransUnion still lists the following accounts on my Consumer Report XXXX XXXX XXXX XXXX XXXX XXXX. I would like to bring to your attention that TransUnion is currently in violation of multiple provisions under the Fair Credit Reporting Act, including but not limited to : *Failure to Correct or Delete Inaccurate, Incomplete, or Unverifiable Information ( 15 U.S.C . 1681i ( a ) ( 5 ) ) *Permissible Purpose ( 15 USC 1681b ( 2 ) ) *Block of Information Resulting from Identity Theft ( 15 USC 1681c-2 ) *Civil Liability for Willful Noncompliance ( 15 USC 1681n ) *Failure to Maintain Reasonable Procedures to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) *Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ) *Civil Liability for Negligent Noncompliance ( 15 USC 1681o ) I demand that you immediately initiate an investigation into my dispute and delete this erroneous information within four business days of receiving this notice, as required by the Fair Credit Reporting Act under 15 USC 1681c-2. Your failure to comply with this request will leave me with no alternative but to pursue legal action to protect my credit rating and personal interests. Keep in mind that each violation of the FCRA is subject to damages of up to {$1000.00} should this matter escalate to court. 
This situation has not only caused me immense emotional distress but has also severely affected my mental well-being. As a result, I am left with no choice but to escalate this issue and insist upon a swift and equitable resolution.
Consumer complaint received 2024-06-26
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. (FL)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the credit bureaus must check this account ( A ). It is unacceptable to list this account as information without verifying it within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-25
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. (FL)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.
Consumer complaint received 2024-06-20
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. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-11-09
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. (NC)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : AAFCU Account Number : XXXX Account Name : MOVEMENT 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Consumer complaint received 2024-07-02
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. (NC)

I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-07-02
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. (NV)

Upon checking my credit report, I have found out that the account XXXX XXXX with the account number XXXX and XXXX with the account number XXXX and the address XXXX XXXX XXXX, XXXX XXXX, XXXX, WA XXXX are fraudulent . I have no association with the above mentioned accounts and address. They do not reflect my factual information and area a breach of my personal information. Please investigate and remove these fraudulent accounts and address from my records immediately.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

My account with ( XXXX, XXXX XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX XXXX  to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I demand the late payment reported in ( MONTHS REPORTING 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, ) 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 2024-06-26
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)

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2024-06-26
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. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Dispute of Incorrect Late Payment on Account # XXXX Dear TransUnion, I am writing to dispute an item on my credit report associated with the account number XXXX, which is reported by XXXX XXXX. I have reviewed my credit report and found that this account was never late on payments in XX/XX/year>, contrary to what is indicated on the report. 

I request that you investigate this matter and remove the incorrect late payment information from my credit report. I have Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I expect a response within 30 days of receiving this letter, as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2024-06-26
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 am writing to dispute the late payments listed on my credit report. Upon careful review of the information, there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. I understand the importance of accurate credit reporting, and I trust that your investigation will lead to a fair resolution. I appreciate your attention to this matter and request that you provide me with updates on the progress of the dispute. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (TX)

XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX Plaza Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I, XXXX XXXX, am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the account listed below. 

Plaza Services {$8600.00} The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy. Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. 

I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. 

Best regards, XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ACCOUNT NUMBER XXXX ACCOUNT STATUS- SHOULD SHOW PAID IN FULL PAYMENT STATUS -SHOULD SHOW CURRENT COMMENTS- SHOULD SHOW PAID IN FULL XXXX  ACCOUNT NUMBER XXXX ACCOUNT STATUS - SHOULD SAY PAID NOT CLOSED XXXX XXXX XXXX ACCOUNT STATUS -SHOULD SHOW PAID NOT CLOSED CAF - ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) THIS ACCOUNT WAS NEVER LATE AND IS CURRENT PLEASE FIX THE REPORT.
Consumer complaint received 2024-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CO)

I have been referred to collections over a misclassification of a medical debt and the collections company is still trying to collect the debt after I have let them know the circumstances of the debt and why this is not what I owe to the company. 

On XX/XX/XXXX my XXXX XXXX XXXX daughter XXXX XXXX ) was ordered mandatory ambulance transportation from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) to XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ( XXXX XXXX ). Due to dangerously low pulse oximeter readings she needed to be transported via ambulance so she could continue receiving oxygen during the trip. Following this trip XXXX was admitted to XXXX XXXX XXXX and she spent the night there on oxygen. 

Something happened in the medical billing that has resulted in my family being billed {$2500.00} for this trip. I am attaching the bill from XXXX XXXX that details we owe {$120.00} for this trip. I have called XXXX XXXX XXXX on XXXX separate occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) because we do not owe what they are asking for. During each call the representative has assured me that they are working to fix the issue and to please give them 'two weeks ' to fix the issue and issue a new bill. I have never received a corrected bill from them. 

I received a letter dated XXXX, XXXX, XXXX from a debt collection agency by the name of Credence asking for me to pay the full {$2500.00}. I responded to their letter and have been told 'We have investigated your dispute and verified the charges on your account are valid. '
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (IL)

CREDIT COLLECTION SERVICES IS REPORTING AN ACCOUNT ON MY CREDIT AND I HAVE NEVER HAD ANY SERVICES WITH THEM. NOR THE ACCOUNT THEY ARE CLAIMING IS VALID. IT IS REALLY ANNOYING WHEN THINGS POP UP ON YOUR CREDIT AND THERE IS NO VALID REASON AND I HAVE NOT BEEN ASSOCIATED WITH THIS ACCOUNT.
Consumer complaint received 2024-07-02
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)

This is incredibly depressing because a lot of information appeared in my credit report and I believe they were not checked or verified at all. It has impacted my credit report and now has affected me mentally that I can no longer go on happily with my life. I am having intrusive and depressing thoughts.
Consumer complaint received 2024-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NC)

I have a credit collection company trying to collect a debt that is not legitimate. The debt is from an auto insurance policy i had through liberty mutual in the past. I switched to a new insurance carrier and XXXX XXXX was sent the proper documentation for a notice of termination as required by the policy but they kept sending me bills even after reaching out to them several times and providing them with the notice of termination several times. I followed their rules exactly as they had laid it out to me and they fraudulently kept charging me. I have opened disputes with the three credit reporting agency 's regarding this and requested them do a full investigation and to provide proof of the debt but they have not done as i have asked and just come back saying the debt is verified with no other context or the information i requested.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My business account was suddenly closed by Bank of America for no reason whatsoever on XXXX. They didnt give me no warning, didnt send me any emails, letters, nothing. 
My account and debit card was working until XX/XX/XXXX around XXXX and then after that my card and my account stopped functioning and I called the bank and I was told my account was on the processing of being closed for no reason. That the bank has the authority to close the bank at any given time due to their discretion and policy. 
They couldnt give me any accurate or estimate date of when Im supposed to receive my funds.

This is totally outrageous and wrong. I work hard for my funds and they are essential and vital For my personal living and my business. I had around {$11000.00} in that account and I simply cant go on weeks and weeks waiting to have access to my funds because of the bank that closed my account for no reason whatsoever. This is completely outrageous and frustrating.