davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. Account name : XXXX/ Account # XXXX, ( XXXX XXXX XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX  XXXX # XXXX ( XXXX XXXX XXXXXXXX # XXXX ) U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's 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 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I recently checked my credit report through XXXX. I noticed a collection for XXXX XXXX XXXX/XXXX XXXX   on my Transunion credit report. The debt is with XXXX XXXX XXXX.Which this same company goes by XXXX XXXX XXXX XXXX.I do not owe XXXX XXXX XXXX. I have contacted CFPB a number of times. Regarding inaccurate information being reported to all 3 Credit Bureaus. Transunion, XXXX, XXXX. I have disputed this with XXXX XXXX XXXX XXXX. Which the same company as XXXX XXXX XXXX. This was deleted from my credit report on XX/XX/2017. The CFPB is supposed to protect me the consumer. When receiving a complaint from a consumer. The furnisher has to show verification and validation. To back up an accurate account of disputes. A violation of the FCRA occurs under section 623 ( a ) ( 1 ) if it is shown that a party reported information what was knowingly inaccurate. In any dispute, the furnisher of the information can either verify the accuracy of what they have reported or correct the inaccuracy should they agree that it is currently inaccurate. I am requesting that this negative collection be removed from my Transunion Credit report. As it is inaccurate, and prohibiting me from acquiring promotions at my place of employment. As well as receiving adequate housing due to this collection reporting on my credit report.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The following is a list of inquiries that were authorized without my content, using my personal information to open accounts fraudulent. The inquires In questions are listed below. 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 2024-06-15
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. (WA)

Delete these accounts 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 2023-03-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Synovus Bank (NY)

Re : XXXX XXXX  I received a letter trying to collect a debt way past the statute of limitations in both New York State and Federal law. 

1. Their letter, attached, has a default date of XX/XX/XXXX. 
2. The letter indicates a judgement has been entered in an unspecified court on XX/XX/XXXX. 
3. I think the original debt was a payday loan.

4. I was never served with legal papers of any kind or notified a judgement was entered in this ( unspecified ) court.

5. I sent them what follows by email : " You are in violation of both New York State and Federal law. The statue of limitations has long since expired and I have filed a complaint with the CFPB.

DO NOT CONTACT ME AGAIN. '' XXXX XXXX has consistently filed these reports on my credit reports from all 3 bureaus even though they are way past the original default date. Instead, they use the date they bought the debt.
Consumer complaint received 2024-06-12
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. (PA)

I have never gave these consumer reporting agencies ANY consent to report this information on my consumer report. No consent means identity theft. I demand that they promptly delete these items pursuant to 15 USC 1681c-2. If this item is not deleted then these agencies would be committing aggravated identity theft pursuant to 18 USC 1028A.
Consumer complaint received 2023-01-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I lost my job that I had for XXXX  years in during XXXX. Select Portfolio Servicing solicited me by phone offering a mortgage assistance program due to XXXX. I told them I had lost my job but I had XXXX questions : would this cause me to lose my home or cause foreclosure? No ma'am. Then I asked if my mortgage payment would go up? No ma'am, you will either get a loan modification or the past due payments will be put on the backend of the mortgage. I said putting it on the backend of the mortgage is fine with me. 
I did not receive either, I started making payments XXXX XXXX and I have made payments every month since that date. In XXXX they sent back a copy of my money order telling me that it had been shredded and the payment was not accepted. Then I started sending my personal checks and all of them have been shredded, XXXX, XXXX, XXXX. I just mailed my XXXX payment and I would expect it will be shredded as well. 
I do not have the money for an attorney. I am XXXX XXXX XXXX, I have not family, no children and no place to go if they take my home. They have lied to me and misrepresented whatever program they offered. I have requested a document showing my signature of acceptance for their fraudulent program. XXXX XXXX XXXX XXXX owns the mortgage I have sent them a letter as well. They do not respond. I am asking for help asap, I do not know what more I can do. I can not afford an attorney.
Consumer complaint received 2024-06-15
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. (TX)

I am writing to file a formal complaint regarding the incomplete and inaccurate investigation conducted by [ Credit Reporting Agency Name ] into several accounts on my credit report. These accounts include a third-party collection account, an eviction account, and a student loan account with inaccurate payment history. Despite my attempts to rectify these issues through the proper dispute process, the responses from the credit reporting agency have been inadequate and have failed to comply with the Fair Credit Reporting Act ( FCRA ) requirements.

Issues Third-Party Collection Account : The third-party collection account listed on my credit report is inaccurate. Despite submitting a detailed dispute, including supporting documentation that proves the debt was paid in full and should not be listed as a collection account, the credit reporting agency failed to correct the information. This violates the FCRA, which mandates the accuracy and completeness of reported information under Section 611 ( a ) ( 1 ) ( A ).

Eviction Account : The eviction account listed on my credit report contains several inaccuracies, including the dates and amounts owed. I provided evidence demonstrating these inaccuracies, yet the credit reporting agency did not perform a thorough investigation, as required by FCRA Section 611 ( a ) ( 2 ). Their failure to correct or remove the inaccurate information demonstrates non-compliance with the FCRAs standards for accuracy and completeness.

Student Loan Account : The student loan account on my credit report shows an inaccurate payment history. Specifically, it incorrectly lists late payments for months when payments were made on time. Despite providing bank statements and other evidence to support my dispute, the credit reporting agency did not correct the inaccuracies. This oversight is a violation of FCRA Section 611 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information. 

Relevant FCRA Statutes Section 611 ( a ) ( 1 ) ( A ) : This section mandates that credit reporting agencies must conduct a reasonable investigation into disputed information and ensure its accuracy and completeness.

Section 611 ( a ) ( 2 ) : This section requires that the credit reporting agency notify the furnisher of the disputed information and that both entities must investigate and report the results back to the consumer. 
Impact The inaccurate information on my credit report has significantly affected my creditworthiness, leading to higher interest rates on loans and difficulties in obtaining new credit. It is essential that credit reporting agencies adhere to the FCRAs guidelines to ensure the information reported is both accurate and complete.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I have asked Equifax for my credit report and they will not give it to me. I asked them to clean up some things such as old outdated information. I have a report dated XX/XX/XXXX  Confirmation XXXX, XX/XX/XXXX  Confirmation # XXXX, and XX/XX/XXXX  Confirmation # XXXX. I had a dispute regarding my report and now Equifax will not allow me into the system to speak with a live person stating that I can't be verified through their system even though I just spoke with someone named XXXX with ID # XXXX on XX/XX/. I am also being told that I do not have a credit file with them but I have just given you ( CFPB ) three confirmation numbers above from order credit reports. This is a malicious move and it is against the law. Equifax has no right to keep my file from me. Here is another report from XX/XX/XXXX  confirmation # XXXX I have correspondence from Equifax dated XX/XX/, stating that I made a report that I believe that I was a victim of identity theft. I never made such a report. I also have a letter dated XXXX XXXX  that Equifax was unable to locate a credit file for me in their database. This is an outright lie. when I have all these letters from them. Also, the agent XXXX XXXX told me that she had lifted the freeze on my file and she did not I had to go online and do it myself. The reference number she gave me is XXXX and for my report XXXX. I can trust their actions.
Consumer complaint received 2024-07-07
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. (MO)

I disputed the accuracy of a collection account reported on my credit report. I disputed the fact that a collection account from XXXX that has been reported on my credit report is incorrect and false. I had no contractual arrangement with XXXX XXXX XXXX or I never XXXX XXXX XXXXXXXX XXXX XXXX XXXX or XXXX XXXX XXXX there for which I would owe any XXXX fees. The credit bureau is stating that they conducted there investigation and that the matter is been reported accurately and I dispute such a statement. 
Under the Fair Credit Reporting Act I have the right to request the method of verification used to determine that the collection account from XXXX that has been reported on my credit report is being reported accurately. I would like to know who you spoke with and the documents that you got that proved that such an item was reported accurately. Under the Fair Credit Reporting Act you have 15 days to present me with such information. Failure to provide me with such information within 15 days of this request being made then the credit bureau has to delete such an information from my credit report. A failure to provide me with such information and refusal to delete such false information from my credit report would be a violation of my rights under the Fair Credit Reporting Act for which I can sue this entity and claim for damages in a court of law.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-06-14
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 the company and i 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 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 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-15
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. (WA)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-06-12
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)

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 2024-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CA)

CHIME locked my account and denied me access to my money because I had my phone and wallet stolen... I reported it to CHIME, and they required a STATE ID or DL to unlock.. in OKLAHOMA where I was living at the time, it can take up to 90 days to receive a new or replacement stat ID or DL... I paid for a replacement through the " TAG '' agency in XXXX & CHIME would not accept the Temp. paper DL I was issued... I sent pics of my old exp. CA DL, my birth certificate, my SS card, my XXXX health card, my pay stubs, my work badge, took selfies holding up dates etc ... CHIME did not care and would not accept anything other than a " hard copy '' of my ID or DL.. Im on XXXX and my payments were still going to the CHIME account.. I had no phone and could not change profiles, emails, addresses etc.. on anything... I lost my home and ended up homeless on the streets cold and hungry because CHIME was unreasonable with verifying who I was... XXXX member service rep would tell me to submit my birth certificate along with the temp ID and then the other wouldn't accept it... THIS WENT ON FOR OVER A MONTH... I am on XXXX for a mental issue and I attempted XXXX bc I was cold and hungry and nobody would help me, not even my job .... I had over XXXX in my account and CHIME nor SERVICE OKLAHOMA ( DMV ) would move an inch to help XXXX I ended up losing my job after 10 yrs ... my family started a XXXX campaign to raise money to get me back to CA because I don't know anyone in Oklahoma .... 
finally back in CA, I was able to get an ID at the XXXX in 7 days ... .I unlocked my account, but CHIME would not expedite a card for me to use ... I had to wait XXXX days to get it... I had to move money and use XXXX or XXXXXXXX XXXX and after 6 hours of being unlocked CHIME again locked my account .... then a week later, CHIME closed my account because of the " bad language '' I used with the reps from overseas ... .CHIME owes me close to XXXX and is making me wait 45 days to get a " closure check '' ... ... .several reps told me they were having the check " express mailed '' to me..... but now they will not give me any tracking info and I think they have stolen my money ... .. they caused me to almost kill myself over this .... in OK I was in the hospital behavioral unit 5 times and the police contact was constant because I had nothing and no one to help... .I was able use another homeless mans phone to log into XXXX and find a friend who then contacted my son .... I took a greyhound back to CA... with no job now I have no health coverage and my mental health is suffering without XXXX ... CHIME is a huge reason for this ... ... i hate them with every ounce of feeling I have! can you help me?
Consumer complaint received 2024-06-14
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 XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XX/XX/year> 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 XXXX days before the payment due date. 

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 XXXX 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 2024-06-15
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)

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.