davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (DC)

In XXXX of this year I logged into my Milestone, Indigo, and Destiny credit accounts ( all owned by the same company ) to completely pay off each account. The day before scheduled payment, I noticed the payment had disappeared from pending transactions in one account and having checked the other two, noticed same. Thinking the payments had been canceled or simply not gone through, I scheduled the same exact payments again to ensure that they were made as I since acquiring these credit building cards I have had nothing but issues and seen an overall degradation of my credit. 

Previously, payments have never been processed on the transaction date, varying from 1 day to a week afterward. This time, however, they debited both payments ( 6 in total for the three different accounts ) leaving me with a negative credit balance. However, rather than return a single payment, both were returned, each with a returned payment fee, a reported late payment fee, as well as several fees for being overlimit. Their customer support did nothing, and when asked to escalate to a manager I was left on hold long enough to simply give up. 

I've since tried to make payments encountering issues every time. 

Most recently, I attempted to pay off all three accounts again, scheduling the payment for XX/XX/XXXX and the same issue occurred, again. 

Calling customer support on XX/XX/XXXX I was told that the Indigo payment could be seen and would be processed as well as the Destiny payment. The canceled and resubmitted ( created a new bank account solely for the purpose of closing these accounts but had selected a previous bank account ) Milestone payment was not showing. 

Reference numbers provided for the above : Milestone - XXXX payment not showing Indigo - XXXX - payment showing Destiny - was not given a reference number but told payment showing. 

I was told for Indigo & Destiny payments o that they usually withdraw funds 1-3 business days and that as this was Wednesday XX/XX/XXXX to expect it to be debited from my account that day or the next. I was further told that the Milestone payment was not showing and that I should reschedule a payment with them. I declined not wanting a repeat of the XXXX incident in which I incurred fees and a massive ding to my credit. 

However, as of XX/XX/XXXX, each of the three accounts is showing no payment being made with the Indigo account now reporting as late on my credit report leading to another XXXX decrease in my score. 

Further, another attempt at payment on the Destiny and Milestone card for the minimum payments due were made on XX/XX/XXXX for XX/XX/XXXX ( I took pictures and screenshots of the payment confirmations ) and the accounts are still showing as being in arrears. 

These accounts have now cumulatively cost my credit score to decrease by 150+ points and I simply want to have them fully paid off and closed as well as all fees reversed.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm resubmitting my dispute letter due to lack of resolutions or actions. Again, the other Bureaus are not reporting this fraudulent information. I'm a victim of Identity theft and this information is inaccurate.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-05-14
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (GA)

Spring Oak Capital and XXXX XXXX  continue to report a debt I do not owe. The debt has been canceled through the IRS and now it is considered income and income can not be reported to the credit bureau. Furthermore I have no contractual obligation to Spring Oak Capital.
Consumer complaint received 2024-05-14
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. (VA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-05-14
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. (MI)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2024-05-14
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. (AZ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all account are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct this account immediately : XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (ID)

According to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), the law specifically states that reports which only contain information about direct transactions or experiences between myself and the company making the report should not be classified as " consumer reports. '' In other words, details about my payments or account activities with these accounts are not supposed to be included in the credit report that is shared with third parties. Why are they being reported?
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Attempted to deposit money via the atm : XXXX on XX/XX/XXXX @ XXXX the receipt given showed XXXX. I thought it was a system glitch but when my money was not accessible, I went to the local branch to inquire and was told I had to wait for a letter from the Fraud team and there was nothing they could tell me or do. The entire time I could access my account and see my balance via online banking system. I have waited for the letter and nothing so I returned to the local branch today XX/XX/XXXX and was told the account was closed on XX/XX/XXXX but again no resolution. I then called the customer service phone number and was told by them that no amounts showed to be enough for fraud to flag the account. After escalating my issue to XXXX ( manager ) I was told that it was a dispute but no disputes were initiated by me. He then said well we have the right to close any accounts without reason. I explained the doesn't make sense as the issue started 2 weeks ago and the account has been open without any explanation from XXXX. In addition, the importance of keeping my account open for deposits etc. As a consumer I think this is truly unfair treatment and unjust. In addition, they have held my monies for over 2 weeks. My overall resolve would be for my account to be reopened as to avoid any further hassle and frustration with already existing deposit setups etc. I also feel they should pay interest on monies they have held from me.
Consumer complaint received 2024-08-22
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. (SC)

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am in the process of buying a home and the underwriter pulled my credit report and noticed an account that ( XXXX ) is not reporting accurately and ( XXXX ) is not should not be on my credit reports at all. The account is showing me to have an outstanding balance when in fact I don't have a balance at all. The consumer reporting agencies have a legal requirement and obligation to ensure that all information is reported with 100 % complete accuracy. This account does not have an outstanding balance or any past due payments. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payment and an outstanding balance. Please note that I dispute the validity of this debt in its entirety. I request verification, validation, and proof that this alleged debt and related account belong to me. Additionally, I require evidence of a contract or agreement with the original creditor, signed by all relevant parties. Your attempt to collect this debt and the money associated with it is illegal as I do not owe it. XXXX XXXX or XXXX XXXX is contractual law and requires an agreement where the non-custodial parent is enrolled into the program. Provide the contract bearing my signature between myself and the head of the XXXX XXXX XXXX or XXXX. Without a contract, there is no legal duty. It is unlawful to advertise any debt to coerce payment. Cease harassing me as it is severely impacting my mental health. I am disputing the following account : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). 
This is an official dispute of this account, and I demand the deletion from my consumer report. Again, I do not believe that I owe this money for the above-mentioned reasons. I paid it in good faith as it is currently prohibiting my family and I from purchasing a home for us. Attached is proof of payment in the form of a money order and a receipt from the cashier of the XXXX XXXX XXXX XXXX XXXX XXXX. If the information can not be verified according to the law, I demand this account be permanently removed immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-05-14
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-14
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (AZ)

I spoke with Synchrony care credit and spoke with them and they told me that they sold my debt to XXXX XXXX I requested the information to be sent to me and have yet to receive the information. I received a request to pay this collection from XXXX XXXX BUT CARE CREDIT is also listing the same balance for the debt on my credit report.
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA XXXX this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2024-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit report shows that XXXX XXXX reported that the account was opened on XX/XX/XXXX and also on XX/XX/XXXX account # XXXX how can that be when they also reported that my last active date was on XX/XX/XXXX and on XX/XX/XXXX The information that XXXX XXXX is giving is completely False and inaccurate the date open on my credit account is inaccurate, date last active, also some items are left blank like the date of last payment, the past due amount, the monthly payment number of terms, and the comments left on my credit report this items are all inconsistent and incomplete. This is clearly in violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). I am not liable with this debt with XXXX XXXX I do not have a contract with them they did not provide me with the original contract as requested and the documentation that proves the amount that i allegedly owe every transaction with my signature leading up to the alleged amount. False and inaccurate dates open on my credit account, inaccurate payment history and inaccurate date last active. Delete this account immediately because of direct violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ) .according to the fair credit reporting act 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.