davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
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)

On XX/XX/2024 someone opened a flexible spending credit card account with XXXX card services under my name. They charged {$38000.00} on this card. It was reported as late payment on XX/XX/2024. The account was closed on XX/XX/2024. It has made my XXXX XXXX drop on XXXX, XXXX, and TransUnion over a XXXX points as payment is listed as overdue. I have contacted XXXX ( ( XXXX ) XXXX ) directly and they concur that I never opened an account with them. I only found about this when I checked out my XXXX XXXX recently. I do not know the account number as it wasnt listed with the rest of info on my XXXX XXXX XXXX monitoring service. 

Thank you, XXXX XXXX
Consumer complaint received 2024-05-24
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-24
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. (FL)

Ive noticed some accounts on my credit report that I dont recognize. It seems like they might be the result of identity theft, as I never authorized them. Ive brought this up with you before, and Im writing now to ask that these accounts be removed from my report as soon as possible. Having these accounts on my report has been really stressful. They dont reflect my actual credit history or my financial responsibilities, and its been tough dealing with the impact. If we cant sort this out, Im prepared to take legal action to defend my rights and find a solution. These incorrect items on my credit report have been a big obstacle for me. Theyre getting in the way of important financial goals I have, like buying a house and taking care of my family. I hope we can resolve this issue quickly.
Consumer complaint received 2024-05-24
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. (FL)

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
Consumer complaint received 2016-06-09
Product: Credit card — 
Issue: Billing statement — 
Company: BANCO POPULAR DE PUERTO RICO (NJ)

It 's been very difficult working with this bank. 
( 1 ) As you may have on file, I previously reported their unfair fees and penalties to your agency. Your agency helped me with this. 
( 2 ) It 's been months, if not years, that their online payment system has been strange. It used to ask questions that were nonsensical. I finally called them to get things straightened out, and made a payment online. However, they said it was entered with the wrong information. They never proved it. It may be fraud. Yes, they charged me penalties. 
( 3 ) Most recently, their business changed in some way, and the minimum due increased by about 50 % ( from {$59.00} to over {$90.00} ). I barely use the card. Today, I spoke with XXXX XXXX, and she said that my previous payments of {$59.00} ( the automated system 's minimum due ), had been too low. I was following what the automated system said. Most importantly, Their online system has been so messed up that I had to phone them in order to pay my bill.
Consumer complaint received 2017-02-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: National Enterprise Systems, Inc. (PR)

I am currently in default regarding my private student loans, I have XXXX different loans, serviced by different providers. One provider has contacted me through a debt collection company called National Enterprise Systems. 
The person on the phone was extremely rude in regards to my situation, had no regard to what I was explaining. The person threatened me and my co-signer regarding the debt. The person insisted I call him back within the hour with a solution to my debt. They are pressuring me to put the amount owed in a personal credit card to resolve the issue when I have XXXX credit. 
They insist on this option and no other means to resolve are provided. They told me I needed to call my co-signer that instant and give them an answer within an hour or else they would personally call the co-signer, my father, who is an XXXX man and is retired. The person was rude and insensible. 
I am XXXX and my current salary is XXXX, I would be better off working as in a supermarket, I have XXXX kids in school and am barely getting by. I know the debt needs resolving, buy am not going to accept that kind of pressure.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

To summarize what follows: HSBC took a month to complete a balance transfer, even though their only communication with me regarding a time frame for such a transfer predicted 7-10 days. They have stonewalled my complaints, even though I lost money in this time period in the form of interest. I also experienced a lowering of my credit score, because HSBC posted the transfer to my account the day I requested it, despite not paying the other credit card company; my utilized credit doubled. I am looking for new housing, and lowering my credit score has made this process more difficult than it should be for me. After it is completed, I want to have this balance transfer forgiven in full by HSBC, to make up for the money and credit lost due to their delay and false communications.*****************************************************************************************************I initiated a balance transfer from HSBC to XXXX  on XX/XX/XXXX. The attached email confirms this transfer, and states that it should have been completed in 7-10 days.After almost a month without the transfer being sent from HSBC—even though they charged the balance to my account immediately—I called to ask what the delay was. I then was told on XX/XX/XXXX that I would receive a status update for my inquiry on XX/XX/XXXX.After not receiving an update, I called back on the XX/XX/XXXX, and was transferred four times to reach my original customer service representative, with ID# XXXX. He told me that HSBC sent the transfer to XXXX on XX/XX/XXXX, exactly 28 days after my request. He stated that it is HSBC's policy to send balance transfers within 28 days.Nowhere in the terms of service is there a 28-day window for balance transfers. The only guidance is in the attached email, giving a 7-10 day window. I then asked to speak with the balance transfer team. He said that he does not know the phone number, he does not know anyone who knows the phone number, and he does not know any way to send me to someone who knows the phone number. I then asked him to have his supervisor call me, to which he responded that it would only take one minute on hold. I waited for nearly half an hour before hanging up and writing this complaint.For the reasons in my first paragraph, this delay is directly contrary to HSBC's communication with me and has severely inconvenienced me financially and through my credit. Once XXXX receives the payment, I want the transfer to be credited to my HSBC account in full.
Consumer complaint received 2024-05-24
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. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2016-09-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

On XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and now, I 'm requesting a reinvestigation under Fair Credit Reporting Act of a dispute related to my credit an XXXX accounts that I have problems.. Unfortunately this dispute was not resolved as provided by law. I am also requesting that the information be updated immediately because from XXXX is not done despite my multiple re investigation requests.The acounts information has several discrepancies and errors. in XXXX the XXXX account was removed and then was reincorpored to the credit report. I have XXXX accounts sold to XXXX Bank with {$0.00} balance but appears in delinquency. The US Department of Justice and the Consumer Financial Protection Bureau ( CFPB ) announced at XXXX XXXX, XXXX a settlement to resolve allegations that XXXX XXXX XXXX Bank, known since XXXX XXXX, as XXXX Bank, engaged in a nationwide pattern or practice of discrimination by excluding XXXX borrowers from XXXX of its credit card debt-repayment programs. The settlement resolves claims by the department and the CFPB that XXXX XXXX violated the Equal Credit Opportunity Act ( ECOA ) by excluding borrowers who indicated that they preferred communications to be in XXXX or had a mailing address in XXXX XXXX from XXXX credit card debt-repayment programs. The agreement is a joint fair lending enforcement action by the department and the CFPB and is the federal government 's largest credit card discrimination settlement in history. Federal and State laws require that credit reports must be 100 % accurate, complete, and verifiable. I am concerned that you included the information below in my credit file in failing to maintain reasonable procedures to ensure accuracy in your credit reporting. As you can observe, the information was not updated when I disputed those account in various occasions. Is your responsibility investigate and update the information as I 'm requested in the several disputed that I submitted to your credit agency.
Consumer complaint received 2024-05-24
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. (VA)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-05-24
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. (OH)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Incorrect Name - XXXX, XXXX, XXXX EMPLOYER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-01-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (PR)

Scottrade Bank promised that by opening a Scottrade Bank account I would be able to increase the speed of my transfers to and from my XXXX Account. 

After opening a Scottrade Bank account, I got a call from Scottrade 's National Service Center saying my account was going to be closed for " business reasons ''. I was furious and called the branch manager who said there was nothing he could do. 

The worst part is XXXX XXXX and Scottrade Bank did not allow me to transfer my funds out myself and instead put me in the backseat while their back office took over 6 weeks to print a check and send it, without tracking, to my address. 

Overall, very bad customer service and communication with clients. I would recommend moving your money elsewhere.
Consumer complaint received 2016-03-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I report to Transunion about an inquire that was made from XXXX XXXX every three months, This was made by error in my name. I already received a letter from Transunion and also tell them to lock my credit, but this month again was a credit inquire for the same place. i dont know what to do.
Consumer complaint received 2024-06-21
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. (FL)

" T

he Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my writte n consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, w hich allows for {$1000.00} per violation, for each account listed without my expressed written consent. I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2017-01-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

The XXXX XXXX charge off or sold to a collection agency was disputed and a whole bunch of paperwork was sent as proof to present my case that this was a WRONG reporting on behalf of XXXX XXXX. All I got back from TransUnion was a letter telling me to look at my file and my file is EXACTLY the same way. So, I requested PROOF and I wanted to see what XXXX XXXX had to say about this and in three days TransUnion sends me an email saying that they took a decision and to look again at my report and my report is EXACTLY the same. I told them to remove this due that it is not true that I was late on my LAST payment. Nothing has been done by TransUnion.
Consumer complaint received 2024-05-24
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)

MY PERSONAL INFORMATION WAS STOLEN 2019 AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2016-06-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (GU)

CFPB, I have previously submitted a complaint against XXXX XXXX on behalf of my spouse, XXXX XXXX. The CFPB case number for that complaint is XXXX. XXXX XXXX has recently sent my wife 's account back to collections and we now have a higher balance than before. Previously, the collections ceased and we no longer owed XXXX XXXX anything.
Consumer complaint received 2024-05-24
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 writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-08-19
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

I have been sold to a debt colector from my previous rental departments that has jeoperdize my health and my familys due to roaches infestation. I have writen on the contract with them why i canceled my rent and they signed up on it after multiple complains but after moving out started to send me debt owning documents not acurate and i send them.emails and phone call but they never answered so i keep going on my life and to wake up with debt colectors treathing me and ruining my credit and my wifes and she is not even on the contract from previous rental department.
Consumer complaint received 2016-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PR)

My credit report from Equifax have an account ( # XXXX XXXX from XXXX XXXX XXXX XXXX that does n't belong to me. I need this account to be removed from my credit report, its affecting my credit score.
Consumer complaint received 2024-05-24
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. (MD)

Re : Complaint Against XXXX for Violation of FCRA 1681 b ( 2 ) - Permissible Purpose of Consumer Reports.I am writing to file a complaint against XXXX, a consumer reporting agency, for violating the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 b ( 2 ) regarding the permissible purpose of consumer reports. 

Summary of Complaint XXXX furnished a consumer report about me to [ XXXX XXXX XXXX ] in connection with a [ Auto Transaction ]. However, I did not initiate this transaction, nor did I authorize XXXX to provide my consumer report for this purpose. This action is a direct violation of FCRA 1681 b ( 2 ), which restricts the release of consumer reports without consumer consent or for purposes not initiated by the consumer. 

Additionally, XXXX violated 15 U.S.C. 6802 regarding disclosing my nonpublic personal information. I was not provided with clear and conspicuous disclosure that my information may be disclosed to a nonaffiliated third party. I was not given the opportunity to opt-out of such disclosure, nor was I explained how to exercise that option. 
a consumer reporting agency, for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 2 ) ( A ) ( I ). 

XXXX has included information on my consumer report that I believe is in violation of the FCRA. The information pertains to [ describe the information in question ], which I believe constitutes a report of transactions or experiences between myself and XXXX. 

The FCRA explicitly excludes such information from the definition of a " consumer report. '' As per 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), a consumer report does not include " any report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Furthermore, XXXX has not provided any evidence that I gave written permission for this information to be included in my consumer report.