davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
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)

My account with the company and i was never late! I have had exceptional payment history with this company 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 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. 

This company 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 2024-06-27
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)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX The above company has placed an inquiry on my credit report. 
According to the FCRA, I am requesting a permanent removal of such inquiry. 
15 U.S.C. Code 1681 ( b ) Permissible purposes of credit report. 
I have not given consent to use my credit report, nor have I signed any written agreement to have access to my credit report in such manor.
Consumer complaint received 2019-07-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

I am XXXX  and have been take advantage of since being rear ended in my car. I have my lawyer XXXX me just to get affiliation with the larger firm. My doctors ignored my cardiac arrest that happened 5 times a week for over 5 years. Now I hade a refinance company coach me through refinancing my home. I thought they were helping me. A year later I had to file bankruptcy and struggling to keep my home and pay for my medical on my XXXX checks. I suffer from chronic pain and daily migraines which make it hard to make proper decisions for myself. I also take care of my elderly XXXX mother. In same house. I need new ac units they are 16 years old and unable to pay for maintenance. I was doing good  when I first purchased the house. Now I find out they put me so far out on my debt to income ratio I cant even get help. I have already applied for loan modification per my bankruptcy lawyer. SLS is yet to respond except to increase payments due to short in my escrow.
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2024-06-27
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)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XXXX, and I have not yet received a response.
Consumer complaint received 2024-06-27
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)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-27
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)

The current items are errors on my credit report. 

The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX
Consumer complaint received 2024-06-27
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)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2023-11-02
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. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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
Consumer complaint received 2019-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (IN)

Date : XX/XX/2019. Initial phone call from XXXX regarding transaction fraud using my credit card. with follow up staff transfers of supposed higher classification within the Social Security department regarding fraudulent use of my credit card account number and tied to XXXX XXXX and money laundering. I was told a voice recording was being made, that privacy had to be strictly observed regarding dissemination of any subjects discussed over the phone. That one interviewer could loose his job if I disclose any information regarding the details of our communication with each other. That I was to buy electronic gift cards for the available credit limit the from my credit card company and when asked if I was to supply the interviewer with those numbers so as to protect me against theft in the near future. An arrest warrant has supposedly been issued for me to be held but could be dismissed if I supplied the gift card account numbers. 
I cancelled my present credit card, notified the XXXX Country XXXX XXXX, IN operator on duty around XXXX XXXX and filled out this report to send to you. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-27
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)

On XX/XX/XXXX, I sent a letter to Trans Union after noticing incorrect addresses, and phone numbers on my credit report. I sent in this letter asking them to update these incorrect addresses to my current address, the inaccurate phone numbers to my correct phone number with a phone bill, and drivers license to validate my identity with Trans Union. I received a response but no resolution to my problem. 

Instead, Trans Union sent me a letter stating they believe my letter was sent from a 3rd party and they will not change anything on my report. 

This company is choosing to keep incorrect information on my report despite me sending in a letter showing the inaccurate information, while also sending proof of my correct information while also proving that I am the one sending this letter. 

I need this information updated ASAP! I will attach the original letter along with their response.
Consumer complaint received 2024-06-27
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)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-06-27
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 PAID THE XXXX XXXX XXXX XXXXXXXX CREDIT CARD IN FULL AND THEY WILL NOT UPDATE ALL THREE OF THE MAJOR CREDIT BUREAUS. I'M BUYING A HOUSE NEXT WEEK AND I CANT CLOSE BECAUSE OF THIS ERROR ON TRANSUION XXXX AND XXXX. I DONT OWE THIS COMPANY ANYTHING
Consumer complaint received 2024-06-27
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. (CO)

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 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am very stressed out. I've been ignored repeatedly and there still hasn't been any action on my credit. I don't think anyone is paying attention or are looking through my complaints at all. My credit is extremely important to me and I need you to take action immediately.
Consumer complaint received 2024-06-27
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. (CA)

i am a victim of identity theft and have never had any contract with the following companies. I MUST DEMAND the original promissory note, and not a copy of a contract or statement coupon. In reference to caselaw XXXXXXXX XXXX XXXXXXXX, the absence of a valid promissory note would, indeed undermine any cleaning to any assumed that. No promissory note means you have no valid claim. A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires present meant of the account in general ledger statement, signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX. ( XXXX ). The following accounts be removed pursuant to FCRA 605B and title 15 USC 1681 c-2. Any attempt to collect a debt is actually alleged indirect action. May be held liable pursuant to title 15 USC 1681n and 15 USC 1681o for willful or non-willful negligence the following inquiries were never consented on my behalf and i never gave permissible purpose. 

INQUIRIES ; Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Show more Account name XXXX XXXX Date of request XX/XX/XXXX Show more Account name XXXX XXXXXXXX XXXX Date of request XX/XX/XXXX Show more Account name XXXXXXXX XXXX Date of request XX/XX/XXXX Show more Account name XXXX XXXX XXXX  Date of request XX/XX/XXXX Show more Account name XXXXXXXX XXXX  Date of request XX/XX/XXXX Show more Account name XXXX Date of request XX/XX/XXXX Show more Account name XXXX XXXXXXXX XXXX Date of request XX/XX/XXXX Show more Account name XXXX XXXXXXXX XXXX Date of request XX/XX/XXXX Show more Account name XXXXXXXX XXXX Date of request XX/XX/XXXX Show more Account name XXXX XXXX XXXX  Date of request XX/XX/XXXX Show more Account name XXXX Date of request XX/XX/XXXX Show more Account name XXXXXXXX XXXX Date of request XX/XX/XXXX
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have notified Equifax and XXXX several times that the XXXX XXXX XXXX and Consumer Adjustment accounts that they are reporting in my credit history, do not belong to me. Notifications to Equifax and XXXX were sent XX/XX/2023, XX/XX/2023 and XX/XX/2023 via certified mail. I have not in any way received goods or services from these companies and I have provided my FTC Report, Identity theft Affidavit signed with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all Equifax and XXXX. I have requested the original contracts from the original creditors, XXXX and Equifax bearing my wet ink signature in which up to now, I have not received, and it has been more than 60 days since I requested this information.
Consumer complaint received 2024-06-27
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX The above company has placed a hard inquiry via Transunion on my credit report. 
According to the FCRA under 15 U.S.C Code 1681 ( b ) there were no other permissible purposes of consumer report. Furthermore, I have not given written consent to access my credit report in any other way shape, or form.
Consumer complaint received 2024-02-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (VA)

I am writing to formally dispute and request the removal of a collection account that has been fraudulently opened in my name. Upon reviewing my credit report, I discovered this account, which I did not authorize or open. 

It appears that I have been a victim of identity theft, as I have no knowledge of the debt associated with this collection account. I have taken immediate steps to protect my identity, including placing a fraud alert on my credit file. 

I kindly request that you conduct a thorough investigation into this matter and remove the fraudulent collection account from my credit report as soon as possible. I am willing to provide any additional documentation or information necessary to support my claim.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IL)

On XX/XX/2024 I called Citibank to settle a charged off Best Buy credit card account. They informed me I had to call XXXX XXXX XXXX as they were handing the account. On XX/XX/2024 I called XXXX XXXX XXXX to settle the Best Buy credit card charged off account. The balance owed was {$3200.00}. I was offered a settlement of a XXXX time payment for {$1700.00}. I accepted the settlement offer and made my payment directly over the phone for {$1700.00} on XX/XX/2024. I received a verification letter to my email from XXXX XXXX XXXX before I was off of the phone call. On XX/XX/2024 Citibank reported a payment of {$1700.00} with a balance of {$1400.00} remaining. I disputed this with XXXX on XX/XX/2024. I provided the settlement verification letter. This letter includes the account information, original amount owed, the settlement offer, stated that XXXX XXXX XXXX  was granted the authority to do this and will report it to my creditor, and payment confirmation. On XX/XX/2024 will remain on my credit report as Citibank certified to XXXX the information was accurate and the item was not changed.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: BANCO POPULAR DE PUERTO RICO (AZ)

On XX/XX/XXXX, I opened a savings account with Popular Direct Bank. On XX/XX/XXXX the {$500000.00} funds were taken from my XXXX checking account. On XX/XX/XXXX, we were able to log in to our online account and view a statement showing the amount had been deposited into the savings account, and as of XX/XX/XXXX, we had accumulated approximately {$67.00} in interest. 

Also on XX/XX/XXXX, we were able to open a {$100000.00} CD. That money was taken from our XXXX checking account on XX/XX/XXXX. 

On XX/XX/XXXX, we received a letter in the mail dated XX/XX/XXXX stating that our savings account had been closed pursuant to the terms and conditions of the XXXX, and that the account balance is currently {$0.00}. 

I am locked out of our online account, and can not find out where my money is. I have been trying to get some answers from Popular Direct, and have been told nothing, except that " due to security reasons, they can not tell me why they closed my accounts. 

Today is XX/XX/XXXX, and I spoke to someone at Popular Direct. He told me that my CD has also been closed, and that my money will be transferred back into my XXXX account XX/XX/XXXX. He also informed me that I will not be earning any interest on my {$600000.00} in total during the time that they have it because my accounts have been closed. 

So, Popular Direct closed my accounts for no reason with no explanation, holds my {$600000.00} for 2 weeks, and I get no interest? Nothing? Is this even legal? In what world does it take 14 days to wire or ACH money from one bank to another? I want compensation for Popular Direct borrowing my money for their own gain. 

Background : We had a {$950000.00} 6 month CD at Popular Direct XXXX XXXX XXXX XXXX. We cashed it in, received our principal and interest, and used some of that money to open this savings and CD account. We thought they were a reputable bank.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Transunion is reporting my student loan with XXXX as being 90 days late which is incorrect for several reasons. I have never been late and it was previously in forbearance then placed in an income driven repayment plan. I am currently enrolled in school so that also puts loans in deferment. This has caused a major hit to my credit causing me to be unable to obtain credit. Please clear this matter and change my account back to pays as agrees and fix all late payments.