davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
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. (GA)

XXXX, Transunion and XXXX as put things on my credit that do not belong to me I believe I'm being targeted for some reason I see inquires that do not belong to me I see incorrect information like addresses and I tried to dispute so many times I sent in proof and still they will not delete the incorrect data they are forever selling my information and would like it to stop.
Consumer complaint received 2024-05-20
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)

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion.
Consumer complaint received 2024-07-15
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. (TX)

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 2024-05-20
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. (OH)

According to XXXX v transunion XXXX. Transunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681, 15 USC 16812. 15 USC 16815, 15 USC 1681eb. Delete ACCOUNT merrick bank from my credit profile immediate. And a detailed detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ).

Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
XXXX XXXX Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
XXXX Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.
Consumer complaint received 2024-05-20
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 contacted the companies to inform them that they are reporting inaccurate on my consumer report and ask them to remove the accounts from all my consumer reports. They have failed to verify these accounts within the 30 days time frame that the FCRA. Please have them delete all these accounts I have listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-19
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. (IN)

After reviewing my consumer reports, I discovered a late payment on my account for which I have never missed a payment. Consumer reporting agencies play a crucial role in accurately reporting consumer information. I have enclosed a screenshot of the account in question, dated XX/XX/2023, to illustrate my claim. 

I request a thorough investigation into this late payment and ask for proof that they were indeed late. If no evidence can be provided, I demand that this payment be updated to reflect that it was paid as agreed and on time, as I have never been late with my payments. 

Thank you for your attention to this matter. Please find the attached screenshots for reference.
Consumer complaint received 2024-05-19
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)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2023-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I received a letter on XXXX - Telling me that my payment is shorted, I immediately called SPS at XXXX and Customer support provided information that insurance information is missing and so there is lender placed insurance on the account. I informed i have insurance, and she provided a fax, and email to send documentation. My provider XXXX XXXX, immediately faxed the same. I also followed via email and provided the same information. 
XXXX XXXX received an email, noting the insurance information provided is processed and no further action is required. The payment i send on XX/XX/XXXX, still did not post kept on calling them daily. and got a run around, then i was told that a ticket is opened on XX/XX/XXXX and it will be done in 2 business days. 

Then i got call on XX/XX/XXXX, advising me that i should apply for hardship. The payment was already more than the required payment, why should i request hardship i asked. 
Then called on XX/XX/XXXX the payment is not posted, it can take 10 business days because they don't know why. I am concerned they are damaging my credit report, and harassing me for no fault of mine. The insurance was always active and this issue should be resolved and CFPB should enforce the guidance it has that a payment should be promptly restored,
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2024 I sent Transunion a Debt Validation Letter Regarding below accounts XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX To VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from my credit file they maintain under my social security number. As of today its been over 30 days from XX/XX/2024 and Transunion has failed to respond as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ),
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

My checking account was closed with citibank due to fraudulent on their end. But not sure how they came up with that. It was a honest mistake that I deposit an unemployment check that was previously deposited and it was returned. Not sure why they closed my account when I had all my direct deposit from my employer coming in. My account could have been in good standing just that they closed for no reason and put on hold all my available funds. Doesnt make sense
Consumer complaint received 2024-05-19
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)

According to the statutes outlined in 15 US Code 1681 ( e ) and 15 US Code 1681 ( 5 ), this account is in breach for failing to provide completely accurate information. It falsely attributes the bankruptcy court as the source of information, which is deceptive and constitutes forgery, especially considering the court does not typically report such accounts. I hereby formally request the immediate removal of these accounts to uphold the accuracy and reliability of my credit profile, as mandated by law.
Consumer complaint received 2024-05-19
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. (IL)

XX/XX/XXXX, I looked at my report. I sent a letter to TRANSUION on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX, XXXX, KIKOFF XXXX XXXX XXXX, XXXX XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate.

I looked at my report and noticed everything is still the same..

and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 1681eb they are supposed to ensure this ( b ) Accuracy of report 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. and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report 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. TRANSUION really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case
Consumer complaint received 2024-08-26
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 was contacted by XXXX XXXX department to advise of detection and thorough investigation of my identity being used fraudulently since 2018. The authorities were contacted and an identity theft report was filed as well as a police report. I provided this information to transunion with the Sergeants sign off of the police report confirming my identity had been stolen. I reached out to Transunion requesting for the fraudulent accounts to be removed with the required documentation. Transunion removed the accounts and then 2 weeks later re-added the accounts to my profile simply sending a notice that the creditors requested for the accounts to be added back. However there was no documentation attached to the notice. Where is the proof of this said accounts being mine that were proved to be fraudulent? Why is transition re-adding an account simply by a request without thoroughly investigating after receiving a police report and identity theft report. The fraudulent account needs to be REMOVED AND PERMANENTLY DELETED! I have provided documentation of my identity being stolen since 2018 and the company fails to follow the law.
Consumer complaint received 2024-08-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NY)

On XX/XX/year> I decided to try Chime Deals. This is the cash back portion of the banking app. I clicked that I was in XXXX XXXX. I bought what I needed to get. The transaction went through, but the cash back was never deposited into my account. This was very upsetting to me. I could have used UP for the cash back instead, but wanted to give this feature a try. Never again. It's been over XXXX months of dealing with customer service and telling me they are escalating my problem to never have it be resolved. At this point it's the principle of the matter. If a company offers a service on their app and then does not deliver, that is stealing. That is why I am reporting them to Consumer Finance. They should not be able to keep giving customers the run around and lie to them. If the cash back part of the app does not work, they need to admit it's buggy. I have screenshots and emails confirming that I am owed this cash back and still nothing.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to address the late payments reported on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. Upon reviewing my report, I noticed discrepancies regarding the late payment records. 

Under the FCRA, Section 611, I request that you investigate these late payments and provide evidence of their accuracy. If you are unable to verify the accuracy of these late payments within 30 days, I kindly ask that they be removed from my credit report, as they are adversely affecting my credit score.

Additionally, I would like to remind you of the requirement under the Fair Debt Collection Practices Act ( FDCPA ) that any debt validation must be provided upon request. Therefore, I request validation of these late payments as per the FDCPA. 

Please consider this letter as a formal dispute of the late payments on my credit report and initiate an investigation promptly. 

Thank you for your attention to this matter.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, 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. (TN)

Credit inquiry placed on credit file from XXXX XXXX XXXX XXXX, fraudulent credit inquiry in an attempt to get a credit card on XX/XX/
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NC)

TD Bank offered a {$400.00} bonus for opening a new XXXX Checking Account. I did this and met all of the other requirements of the offer, yet they refuse to pay the bonus. They have stonewalled me for weeks on my follow-up efforts. They have lied and deceived me.
Consumer complaint received 2024-05-19
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)

15 U.S. Code 1681 section ( a ) ( B ) ( c ) ( N ) ( o ) ( s ) Congressional findings and statements of purpose My credit report is showing everything is 100 percent on time but nothing has been changed All the inquiries have to be removed in each credit reporting system from TransUnion XXXX and XXXX even tho XXXX is a 3rd party so they really cant report anything negative at all!!!!

Everything thats charged off must b
e paid as agreed the credit cards old cars that are on there Privacy Act 1974 5 u.s code 552a Opt out laws ( Part 1016 PRIVACY OF CONSUMER FINANCIAL INFORMATION REGULATION P ) 12 cfr 1016.1 purpose and scope 12 cfr 1016.13 ( 14 ) ( 15 ) 12 cfr 1016.4 initial privacy notice to consumer required
Consumer complaint received 2024-05-19
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. (WV)

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 information is inaccurate.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-08-24
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: EQUIFAX, INC. (LA)

XXXX, XXXX, and Equifax are not removing unauthorized items off my credit report. I have filed FTC report also. Please investigate and remove the following accounts below Please delete XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-06-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/XXXX I injured my knee. I sought medical attention right away and was informed that I fully XXXX  my XXXX, partially XXXX  my XXXX, had XXXX XXXX XXXX  XXXX, and XXXX both my XXXX. Once I had a XXXX  date set up I called Citizens Bank, with whom I have 2 credit cards with, that I was told after XXXX  I would not be cleared to for about 8-10 weeks. They told me I had two options. First being do nothing and pay my weekly minimum, or they can put me in what they call an hardship program. I asked if there were any other options, they told me there was not. So seeing no truly helpful options, I picked the hardship program because it would at least lower my interest rate and minimum payment ; both were lowered slightly and actually made both accounts inactive, so I still owed but couldnt use the cards even though I still would have to pay interests. They also told me I should try to work from home or borrow money. 

In XX/XX/XXXX I received 1 phone call from them asking why I made a partial payment and not the full, I explained that because I didnt have the full amount. They said they can take the full payment now, I told them I dont have it. They offered to arrange to make the payment, I told them that when I have the money to make the payment I will. They told me that not paying will cause my interest rates to go up, that I will owe a late fee, and my credit score will be effectives. I informed them that that doesnt sound like the program I signed up for. They doubled down, as did I. They eventually said I was correct. The difference owes was about {$40.00}. 

On XX/XX/XXXX, I made a payment on one of the cards. I did not make a payment on the other. They called me from the phone number ( XXXX ) XXXX at XXXX and received the voicemail at XXXX and left a voicemail asking me to call back or to call ( XXXX ) XXXX. They also sent me any email about it as well after that same day at XXXX. 

Then today ( XX/XX/XXXX ) they called me twice, leaving a voicemail after the second call. Both calls came from ( XXXX ) XXXX. The times they called were XXXX and XXXX.
Consumer complaint received 2024-08-19
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Mathew Aaron Holdings Inc. (NY)

Payments of {$9900.00} have been made. Starting loan $ XXXX, amount remaining $ XXXX. 

The loan company has paid themselves the $ XXXX and have not paid out the debts owed. 

XXXX XXXX XXXX is the lending company.
Consumer complaint received 2024-05-19
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)

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 information is inaccurate.
Consumer complaint received 2023-10-15
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. (WA)

TransUnion has listed 14 phone numbers on my credit report that I do not recognize. I requested on XX/XX/2023 to have this fraudulent information removed and they refused. Listed are the phone numbers : ( 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