davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (VA)

I was Disputing a charge on my card that was charged prematurely. I was charged {$5.00} and told if I cancelled within 30 days I would not be charged further. They charged the next fee of {$46.00} the same day. I have been explaining this to My credit card Company. but are failing to understand the situation, that the second charge was charged prematurely. I sent then the charging companies policy and my proof of cancelation according to that policy. I never disputed the {$5.00} as that is legitimate.
Consumer complaint received 2023-03-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Accelerated Receivables Solutions (WY)

I was served papers by a debt collection agency as their first point of contact for a debt that isn't mine. They also attempted to charge interest on the debt, which is illegal. When I tried to contact them to resolve the issue, they refused to answer or call me back, which is also a violation of the law. 

Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide me with certain information, such as the amount of the debt, the name of the original creditor, and my rights to dispute the debt. It's clear that the agency did not follow these requirements by serving me papers as their first point of contact without any prior notification or discussion with me.
Consumer complaint received 2023-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CA)

On XX/XX/2023 I applied for a Discover card through their website directly. My XXXX credit score on that date was XXXX Immediately after applying, I was asked to call an XXXX number. After calling the customer service number provided I was told that I would be receiving an email for a tax return release so that Discover can verify my identity. Discover received my tax returns from the IRS, including dependent social security numbers and information. After several weeks, I reached out to Discover to inquire about my application status. They now wanted pictures of my ID and social security card. About four weeks after my initial application, I receive a denial letter stating that Discover is unable to verify my application! This is absolutely ridiculous after they collected so much personal identifying information. I am requesting that Discover remove the hard inquiry from my XXXX credit report and permanently delete all personal information on file that they collected from me during the application process. As a California resident, I am entitled to request such. Lastly, Discover has no business collecting names and social security numbers of children and dependents on tax returns.
Consumer complaint received 2023-03-12
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. (CA)

On XX/XX/XXXX I received a credit alerts from all three credit bureaus stating that I had a 30 day late on one of my accounts. I notice that this particular account XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Ive never been late on this account and it shows as an open account when this particular was closed on XX/XX/XXXX. How can I have a 30 day late on a closed account??? After the closing date. Doesnt make sense. I suspect that the credit bureaus are overlooking and missing and posting inaccurate information on my credit file to harm me deliberately.
Consumer complaint received 2024-06-02
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. (NY)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-03
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 was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate.

Under 15 U.S. Code 1681e ( 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. I know that under 15 U.S. Code 1681i ( a ) ( 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.

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

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 Additionally there is a public record listed that should not be listed on my credit report as the courts do NOT report public record information to the credit bureaus which means that information was illegally posted to my credit report without my written authorization. Unless this written authorization can be provided by each of the credit bureaus this information must be removed immediately. Further the information presented is not accurate and that is further infringing on my rights and a direct violation of the FCRA as the law requires 100 % accuracy on all consumer credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
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. (OH)

A letter was sent to the bankruptcy court to ask why this information was submitted to credit bureaus. They stated that it was not submitted by them. That information was sent to XXXX XXXX to ask why this information was sent to the credit bureaus. They stated that they did not provide the credit bureaus with this information. Credit bureau will not remove the bankruptcy from my credit report.
Consumer complaint received 2023-12-03
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. (WI)

There is a child support legal item on my credit profile for XXXX. Child support payments do not arrive from a credit transaction and should not be reported on credit reports. Also I have asked the courts did they report a child support notice on my credit report and they stated they did not. So the credit bureaus are reporting third party information on my credit profile. 

They also reported without any notice which is all against the law. I would like the item removed from my credit profile.
Consumer complaint received 2023-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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. 

The letters are stated with items and issues. 

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 2024-06-02
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. (MD)

Subject : Urgent Request for Immediate Deletion of Inaccurate Possible Finance Account from my TransUnion Credit Report ( In Response to CFPB Complaints XXXX and XXXX ) : I am writing to address the ongoing issue regarding the inaccurate reporting of a Possible Finance account on my TransUnion credit report, in direct response to CFPB Complaints XXXX and XXXX. Despite multiple attempts to rectify this discrepancy, it is evident that a thorough and proper investigation has not been conducted by TransUnion. 
The discrepancies between the account number on my credit report and the original account number from my loan contract, as well as the mismatch in the loan opening dates, clearly indicate that the reported information is inaccurate. I have provided copies of my original loan document as evidence to support my claim. 
TransUnion 's responses to my complaints have been inadequate, and it is apparent that the investigation conducted did not address the key points raised in my dispute. This lack of attention to detail is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Furthermore, I would like to highlight that the Payment History for this account does not show any late payments. Despite this, the account is being reported as 30 days late, which is inaccurate and misleading. An account can not be reported as 30 days late with no derogatory payment history associated with it.

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. Violation of Section 611 : Failure to conduct a reasonable investigation of disputed information.

2. Violation of Section 623 : Failure to ensure maximum possible accuracy of consumer information.

Violations of the Truth in Lending Act ( TILA ) : 1. Violation of Disclosure Requirements : Inaccurate reporting of loan details and failure to review supporting documentation.

2. Violation of Reporting Requirements : Failure to verify the accuracy of account information and neglecting supporting documentation provided by the consumer.

I demand that TransUnion take immediate action to delete the erroneous Possible Finance account from my credit report. These violations of both the FCRA and TILA warrant the urgent removal of this inaccurate information to ensure the integrity of my credit profile.

If TransUnion fails to comply with this request and continues to violate my rights under the FCRA and TILA, I will have no choice but to seek legal action against TransUnion for these violations.

I urge TransUnion to prioritize this matter and take the necessary steps to rectify the inaccuracies promptly. I look forward to receiving confirmation of the deletion of the erroneous account from my credit report.
Consumer complaint received 2023-03-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TX)

I have US Bank service my VA loan. I've had the loan serviced since about XX/XX/XXXX. The past two escrow accounts ( for years XXXX & XXXX ) have been calculated WRONG. The first time ( yr XXXX ), there was a surplus balance of {$4500.00} and the second time ( yr XXXX, there is a balance of {$4900.00}. This year XXXX, US bank stated that there is a {$9200.00} escrow account shortage which raised my payment SIGNIFICANTLY. I believe, this year, the calculations would not be as projected by US Bank similarly as previous years were also appears to be calculated WRONG. 

US Bank sent an " Annual Escrow Account Disclosure Statement '' that is very cryptic and hard to interpret. There are MANY numbers and tables for me to fully and correctly understand. I called several times without any success for me to fully understand. 
For instance : I'm willing to pay year XXXX balance that I owe for {$4900.00} ( refer to item A in the submitted document ) before XX/XX/XXXX ; US Bank will collect {$8600.00} on XX/XX/XXXX ( refer to item B in the submitted document ) ; US Bank will pay {$540.00} for Hazardous Insurance ( refer to item C in submitted doc ) & {$8100.00} for Property Taxes ( refer to item D in submitted doc ). 

If I do calculations ( as best understood ) on the " Annual Escrow Account Disclosure Statement '', US Bank will pay {$8600.00} for property taxes and insurance ( which would cover all my dues for yr XXXX ). 
If I pay my previous balance of {$4900.00}, the escrow account of {$9200.00} would results to be {$4300.00} which appears to be reflected on such statement ( refer to item F in submitted doc ). 
If I add items A & F, the escrow " shortage '' appears to be reflected of {$9200.00}. 

SO ( first scenario ) : If I add the collected taxes ( D ) and insurance ( C ) for {$8600.00} If I pay the required balance ( F ) of {$4300.00} The total would be ( after item A payment ) {$12000.00} WHEREAS ( second scenario ) : US Bank states that the Shortage ( after item A payment ) is {$4300.00} ( item F ) US bank will collect ( item E ) {$8600.00} Totaling {$12000.00} US bank appears to calculate dues for yr XXXX for {$12000.00}. 
WHERE it appears that my yr XXXX dues are {$8600.00}. 
THERE is a difference of {$4300.00}. 

THIS difference balance is affecting my new payment for year XXXX. 
I'm not an expert or well informed on mortgages, but I find it conflicting that US bank set the terms and does not allow the customer to make other possible arrangements ( based on RESPA Regulations ) to pay the dues - in a worst case scenario and assuming I don't pay my taxes, US bank would repo the property and not necessary the county. 

To conclude, based on the history on WRONG escrow accounts for yrs XXXX, I believe yr XXXX is also WRONG.
Consumer complaint received 2022-10-29
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: Experian Information Solutions Inc. (GA)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-06-03
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. (TX)

I am writing to express my disappointment regarding the lack of response to the multiple disputes I submitted to TransUnion, XXXX, and XXXX. I identified inaccuracies in my credit report, listed the accounts, and detailed the violations under the Fair Credit Reporting Act. 

It has been over 30 days, and I have not received any response. Attached are copies of all letters sent. 

Please investigate and correct these inaccuracies promptly.
Consumer complaint received 2023-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XXXX 2023 I deposited a check in business account at Bank of America. The receipt stated that my funds would be available on XXXX. The funds never got released. I had an overdraft fee of {$86.00} and the check was deposited to pay that fee to keep the account in good standing. Bank of America has closed the account, leaving me no funds available. The Deposit Agreement Disclosure pamphlet given to me, has no mention of this deceptive act. The unethical maneuver was intentionally left out of Bank of America guidelines, misleading the consumers. This Bank has promulgated a worthless greedy deceptive intrapment maneuver, by using the " Freeze '' option as a front for the account closure. Word play that tricks those consumers who don't read the Deposit Agreement and Disclosure. In addition leaving bank accounts open to collect measly overdraft fees, till consumers Deposit funds then they close your account for at least 6 weeks minimum stating a check will be sent to your address. There is no true overdraft protection. XXXX is when the close of the account " begin '', essentially starving me hard before I get my funds. Taking my money, after I tried to pay them and set it right, How can CFPB allow them to operate in this renegade way not disclosing, deceptive acts, entrapment, violating my rights procedurally, collusion, and creating economic retaliation are also a definite practice.They are so deep in to where they don't even honor their own receipts, And when I call customer services and fraud department the entire staff sound digitronic. The job has removed all human element. That check was a loan from my father 's insurance policy for my bills, Bankofamerica scammed me and I need help swiftly, for every day after XXXX I request {$1000.00}, this is the most ridiculous thing in financial history.
Consumer complaint received 2024-06-02
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)

This account was charged off XX/XX/2023. Since then, the account has REPEADELY been updated as charged off every month. This is an update in the payment history that still has not been changed. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account property and your neglect has violated my rights. I am demanding a DELETION of the following account : XXXX XXXXXXXX XXXX XXXXXXXX, Account number XXXX
Consumer complaint received 2023-03-11
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: U.S. BANCORP (MO)

In accordance with the fair credit report act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604A section 2 It also states that a consumer credit report agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer account as late for any purpose.