davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: UMB FINANCIAL CORPORATION (CA)

UMB Bank took my XXXX down to XXXX through their monthly fees ( XXXX XXXX -- XXXX Now I understand why you helped create the CFPB, thank you ) I had a company sponsored XXXX Savings Account XXXX XXXX XXXX where I had deposited over {$3000.00} pre-tax dollars through payroll deductions. My employer plan was through UMB bank ( https : //onlinebanking.umb.com/ ). This was not my choice, but rather the bank my company worked with to facilitate this XXXX benefit. 

When I left my company for a job at a new company, I kept my XXXX account. I did not receive any paper documentation, but just an email from UMB for me to register for an online login. I was not notified of any changes or fees within my XXXX. I continued to use the check card associated with my UMB XXXX account. 

After 16 months, I noticed a {$2.00} monthly charge on my account. The fees added up to over {$50.00} without me ever opting in to this setup In seeing these fees that were slowly clearing out my XXXX savings, I contacted XXXX XXXX on the services team at UBM and walked him through the issue ( XXXX ). Within 7 days, XXXX XXXX, a Senior Rep at UMB, Kansas XXXX, contacted me and said that even though I was unaware of the fees, the most she could do would be to refund me for 3 months worth of fees. I know have {$9.00} left in the account, and have been told that for a {$25.00} fee they can roll this remaining amount into my XXXX with my new company. 

I inquired and UMB has not been able to produce a record of me agreeing or notifying me of the monthly fee that was placed on my health savings account. They had me file a research request and may mail me something or contact me in the next 30 days. If I were not to catch this, rather than these pre-tax dollars going to my families XXXX, they would have been eventually been taken in full by the bank. 

I believe this was misleading and I feel violated as both a customer of XXXX and discouraged because I thought I was following all of the rules and policies. If I had known of this fee, I would have rolled the funds into my new company managed XXXX account at another bank, where my savings are actually growing and I am not charged a monthly fee of {$2.00} to hold my savings.
Consumer complaint received 2024-09-13
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. (AZ)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX Bank of America XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ATTN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, I recently received my XXXX, XXXX, and XXXX consumer reports and noticed that my experience with your company is being reported. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( UTILIZATION ) on my consumer reports. 

XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX. 

XXXX XXXX XXXX XXXX Account XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Account XXXX Your Company Is In Clear Violation Of The Law. Pursuant to 15 U.S.C. 1681.2 ( A ) ( i ). 

- EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- ( A ) subject to section 1681-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or experiences between the consumer me XXXX XXXX and you XXXX XXXX , Bank Of America , XXXX XXXX XXXXXXXX XXXX , XXXX XXXX XXXXXXXX , XXXX XXXX XXXX , XXXX XXXX XXXXXXXX are Making the report is NOT TO BE INCLUDED on my Consumer report. 

Utilization is an experience with the line of credit that was extended between the consumer me, XXXX XXXX and you XXXX XXXX, XXXX XXXX XXXX XXXX, Bank Of America, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, that is making the report. CONGRESS clearly states that the report of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports. 

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( utilization ) on my consumer report which CONGRESS clearly states IS NOT INCLUDED on my CONSUMER REPORTS.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting Act. The List of my accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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  These accounts has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. And according to 15 USC 1681 eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-09-13
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. (NV)

A fair solution is to delete the false inaccurate information of Bankruptcy # XXXX Immediately!! FCRA rule # 9037!!!! 
15-USC-6802, 15-USC 1681A2B Good Day I XXXX XXXX have contacted Transunion several times !!! I am demanding immediate deletion of this inaccurate information!!! I have demanded they remove this bankruptcy information!! Its either an error or a lie!! I have also contacted Nevada Bankruptcy court which stated verbatim!! They do not provide nor verify bankruptcy information!! Therefore according to FCRA Transunion is in direct violation : 15-USC 1681 , 15-USC 1681 ( section 602 ) A, 15-USC 1681 ( section 604 ) 15-USC 1681-C, I have contacted Nevada Bankruptcy Court who confirmed this is a record of direct violation of Transunion as they do not verify!! This is NOT my bankruptcy, Transunion illegally placed this on my consumer report!! XXXX XXXX also confirmed this is NOT my bankruptcy!! I repeat I am demanding that Transunion immediately delete Bankruptcy # XXXX!! and Bankruptcy # XXXX!! You cant even legally file that close together so its an error or a lie This is not my bankruptcy!!! Nevada Bankruptcy Court also stated they did not verify this to Transunion therefore this information is an error or a lie either way this is inaccurate information and I am demanding that Transunion immediately removes this off of my consumer report!! ASAP!!!! This inaccurate information does not comply with the FCRA and the information must be deleted immediately!! If this inaccurate bankruptcy is not immediately deleted off of my consumer/credit report I will contact my attorney as Transunion is in direct violation of reporting inaccurate information!! Transunion has my police report on file as well as my identity theft report from when my wallet was stolen and my information was compromised!! 
Police Report Number : XXXX I demand Transunion Credit Bureau delete this false inaccurate information immediately!!! 
XXXX XXXX Transunion File Number : XXXX Date Of Birth : XX/XX/year> Delete this inaccurate bankruptcy immediately!! Both of these are errors!!! 
# XXXX # XXXX According to FCRA guidelines this is a direct violation of Transunion and I have the right to a fair credit report!!
Consumer complaint received 2024-08-05
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I never had a XXXX loan, nor I never lived at Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I ask Transunion for proof of documentation from XXXX thats this Account belongs to me, and they did not provide proof of signature contract or no evidence.please help me solve this matter under the fair credit Act. Thank you.
Consumer complaint received 2024-08-06
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. (WI)

The company is reporting XXXX bankruptcies on my credit reports. I have sent XXXX disputes to each credit bureau asking them to validate and verify the bankruptcies. The bureaus have responded and told me that they verified with XXXX XXXX and that they are reporting accurately. I have a statement/report from XXXX XXXX stating that all XXXX bankruptcies are unverifiable and they have been deleted. I have been denied credit and unable to purchase a home due the inaccurate reporting.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time. 

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!
Consumer complaint received 2024-08-05
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
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)

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 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2021-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Credit Systems, L.P. (NY)

I have sent multiple letters asking for an explanation on this debt and why I am being charged. I want to see the proof of this debt and I have not been given any information to understand what this debt is.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SOFI TECHNOLOGIES, INC. (SC)

I began banking with SoFi in XXXX  2022 when I was in college. I did not know much about banking and over drafted my checking account for approximately XXXX USD. I banked with them for a while and then decided to join the XXXX XXXX in XXXX of 2023. I left my SoFi account with a negative checking account. Now, I am trying to reapply for a SoFi account and I am getting denied access. I know that it is due to the XXXX or XXXX USD and I am more than willing to pay my debts to them to open a new account. I have learned a lot more about money and would never have to worry about over drafting again. Yet, when I call customer service, they throw me in loops without telling me the exact restriction that is on my account and how to fix it. They say a third party will send me an email in regards to paying off my debt to collections. Yet, they never send an email and basically tell me theres no chance of getting another SoFi account. However, their website says the following statement verbatim : For instance, in the case of a typo on your application information or a very old issue with an unpaid overdraft fee, you might be able to get the bank to reconsider. I have tried numerous times to get the bank to reconsider but they tell me that they cant do anything to change my applications acceptance because it is an automative system they cant control. That completely contradicts what their website says and it is unfair for them to deny me access and say I have a debt to owe to an unknown collection agency that they dont even have contact information for! I just want to be able to utilize all of SoFis amazing benefits and have even told tons of people how great of a bank they are. I made a mistake by being in the negative for my account but I was a young college student who was broke. I am now serving actively in the XXXX XXXX and get paid on a regular basis. I would just like to resolve this issue with SoFi how their website says, but theyre not sending me an email on how to do so, their customer service team is completely useless, and I dont know what steps to take. I feel as if Im being treated unfairly. I am 100 % willing to pay them any money I owe them and then some if it means I can bank with them again.