davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
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)

On XX/XX/XXXX I sent a letter to XXXX, Transunion XXXX XXXX requesting that they verify the accuracy of an account reporting on my credit reports- XXXX XXXX . I have attached said letter. I sent this letter because I checked my credit reports and noticed that the account in question had different information across all three bureaus and I know that it is the credit bureaus responsibility to ensure that creditors are reporting accurately. I received a response to my letter from XXXX on XX/XX/XXXX. It stated " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' On XX/XX/XXXX XXXX sent me a notification stating they completed the dispute with no changes made to my credit report. Transunion responded last on XX/XX/XXXX claiming to have verified and updated the account information ( which I've also attached ). As of XX/XX/XXXX my XXXX credit report has XXXX XXXX reported as 30 days late in XX/XX/XXXX and 30 days late in XX/XX/XXXX. My Transunion credit report has XXXX XXXX reported as 30 days late in XX/XX/XXXX and 30 days late in XX/XX/XXXX. My XXXX credit report has XXXX XXXX reported as 60 days in XX/XX/XXXX and 60 days late in XX/XX/XXXX. I have attached screenshots for each of these instances. All 3 credit bureaus still have different information and it is negatively affecting my credit score. The only thing we can be certain of at this point is the date the account was opened and the date it was closed. I am requesting that be the only data that be reported to my credit report as clearly XXXX XXXX has not accurately furnished the data to the bureaus aside from the opening and closing dates. This was done for another account of mine which also reported inaccurately and I would consider this an agreeable resolution.
Consumer complaint received 2024-05-29
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. (MS)

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 2018-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PR)

I contacted creditor USAA Savings Bank because I want to pay off this account in the amount of {$3400.00}. They told me another agency brought the debt, but the requested it back. They said they can not accept payments until the collection agency that has the debt sends it back to them. I believe this is illegal to do, since the account was transferred to a collection agency and now USAA Savings Bank has requested it back. I am eager to solve this matter, but they can not give me information on to whom I must send the payment to. Please advise.
Consumer complaint received 2019-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XX/XX/2018 : In the process of selling my home, Bank of America was given request for final mortgage payment. The buyers financial payment was ongoing and in collaboration with Bank of America. After 30 days in processing the payment for selling my home, Bank of America sent negative report stating 30 days delinquent to my credit account. I was not given a 45 day notice stating this would be placed on my credit report. The house was sold and the mortgage paid off but the delinquent notice on my credit report remains. I spoke with a Bank of America representative to explain that the home is in the process of being sold prior to their sending a delinquent report to my credit report. I explained to them that I had never been late after 14 years of owning my home. I explained again that the home was sold and total payment will be sent via closing company. I was under the understanding that all was Well with this process due to the fact that final payment is being processed and did occur. After I reviewed my credit report, it was shown that Bank of America is not a company to trust and the loyal customer is not valued by the Bank.
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC (MO)

On XX/XX/year>, approximately at XXXX, an agent from JEFFERSON CAPITAL SYSTEMS approached my home, claiming to be a " process server ''. Since I was not at home, this person approached the first person they saw in proximity, claiming that " Jefferson Capital was suing me for {$9000.00} '', that I needed to " get in touch with them immediately '', and also disclosed other private financial details in violation of FDCPA laws. They also claimed they had court papers, but refused to leave them with an adult on the property.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2018-04-13
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. (PR)

XXXX XXXX XXXX XXXX XXXX is reporting on my credit an account opened in XX/XX/XXXX, classified as adverse account ( exhibit 1 ) updated in XX/XX/XXXX that was not in my credit prior to that date. It is described as individual second real state mortgage with late payment of 150 days, I haven't acquire any house mortgage with XXXX. I went to the bank on XX/XX/XXXX and ask for origination verification evidence of the debt, XXXX XXXX XXXX told us that it was too old to have evidence on hand. On XX/XX/XXXX I send a dispute and verification letter to XXXX ( exhibit 5 ) and again in XXXX XXXX ( exhibit 9 ), at this date only 4 collections letters I received ( exhibit 7 ). Forty-five days have pass and my FTC under FDCPA rights are been violated also the DACO in Puerto Rico Commonwealth Law 364, Art 5 to 9. Its a time-barred debt and an inactive account should not be over 10 years in the credit report.
Consumer complaint received 2024-05-29
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. (NC)

FCRA 605B, I think, requires us to delete any incorrect accounts from my credit report. Could you check the documents, please? Some of the listed accounts have inaccurate reporting, including inaccurate amounts and dates.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

According to the ( FCRA ) Company failed a requirement pursuant to 15 usc 1681a ( d ) 2 Exclusion to consumer reports not included, company also fail requirements to 15 usc 1681 ( a ) ( 4 ) right to privacy.
Consumer complaint received 2019-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (FL)

A week ago I received a letter from a collection agency that had been sent to my old address. 
I am being charged for a debt I do not recognize, I wasn't even in the USA at the time of the debt. 
I'm posting a letter tomorrow disputing the debt, but now I'm worried that there may be other debts incurred under my name without my knowledge or permission.
Consumer complaint received 2024-05-29
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. (NC)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2023-10-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (AL)

XXXXXXXX XXXX XXXXXXXX phone # XXXX called my place of employment and left a message with my employees telling them who they were and that I needed to call them back immediately. they also said it was concerning a debt. Then when I called the # back, I spoke to a XXXX XXXXXXXX XXXX XXXX XXXX ) and he said they had contacted my work payroll and wanted to know if I had gotten my XXXX yet and that I was being sued and if I didn't pay the {$6000.00}. I asked him what this was concerning XXXX he said it was a Chase card in XXXX. I told him I did not have a Chase card in XXXX, then he said oh the original acct was from XXXX! I got XXXX  in XXXX and we had an old acct with my ex-husband that he was supposed to pay when we got XXXX, and he told me he paid it back then. so then XXXX tells me they have hired a process server to serve me papers the next day but if I can come up with {$3000.00} he will hold off on serving me the garnishment papers and suing me and that they will give me XXXX hrs and call me back. I told him they did not need to call my job # anymore. Today I called the # back and asked the company name and address and he said we dont take mail payments I am not giving you the address I said I need your address he said well I will note that this is a refusal to pay on your account and we will go forward with serving you and we will see you in court, I asked him why he told me yesterday he had already sent me a subpoena he said and I quote " you're full of it! " I said wow he said again we will see you in court and hung up. He then called my job # back and asked for a manager, which is me, so I got on the phone and asked what he needed, he said I need to speak to someone over you, I told him there is no one I am the manager I asked what he needed he said " XXXX ; t worry about it good luck '' and hung up! he called from the # XXXX he threatened to garnish and sue me and this is not legal! the address he ended up giving is XXXX XXXX XXXX, XXXX XXXX, Ca XXXX
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2018-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PR)

XXXX XXXX XXXX is trying to collect 4 accounts in total that are the results of apparent fraud. The accounts are XXXX, XXXX, XXXX XXXX and XXXX. When I logged to the system with my information, it appeared under the name of " XXXX XXXX '' and the account balances amounted to {$6100.00}. I verify my XXXX XXXX and confirmed that those accounts were impacting my credit score. The whole profile was under the name of another person that is clearly not me. The company is manipulating the clients information and awarding those accounts to me. I did not recognize such accounts and the person which they have in profile its not me.

Attached is the online profile from XXXX XXXX, which is clearly not under my name.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've always ensured that payments on this account are made on time, never allowing them to be overdue. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Consumer complaint received 2024-06-19
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (OH)

XXXX XXXX Order Date : XX/XX/year> XXXX Purchase ID : XXXX Order Number : XXXX Delivered XXXX. XXXX, XXXX  I ordered 4 ( FOUR ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX each with tax of XXXX I received XXXX ( XXXX ) of the items. 
The shipping box contained 4 ( FOUR ) boxes for hard drives. 3 ( THREE ) of the boxes were empty and 1 ( ONE ) of the boxes contained a hard drive. 

I submitted a ticket to XXXX support the day I received the order advising them of this. 

After almost a month of back and forth they closed the issue as resolved. 
I told them I would contact the credit card company to issue a chargeback. 

I sent a letter to the card issuer as this was the only way to dispute a transaction. 
I attached all of my email correspondence to the letter as well. 

I mailed this on XX/XX/year> to Comenity Capital Bank, XXXX XXXX XXXX, XXXX, OH XXXX. 

I have not heard back from the credit card company. 

I am attempting to recoup XXXX from them as that is the total for 3 hard drives with tax.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

This account was charged off on the following date : XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding the deletion of the following accounts : ACCOUNT : XXXX XXXXXXXX ACCOUNT # : XXXX
Consumer complaint received 2024-05-29
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. (NC)

FCRA 605B requires us, I think, to delete any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccurate reporting, including inaccurate amounts and dates.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
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)

Please consider this as my refilling complaint to the TRANSUNION for allowing the fraudulent accounts and for not taking corrections on my credit report. I have my dispute letter datedXX/XX/2024, with the identity theft report number XXXXThey allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2024-05-29
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. (LA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of XXXX. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX XXXX XXXX XXXX, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXX with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of XXXX. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the UCC outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CapitalJ Inc. dba Juno (AL)

My entire balance is completely unavailable- frozen- and my credit cards, mortgage, and other bills NEED to be paid. This is affecting my credit and it is not my fault. It's been 18 days.
Consumer complaint received 2024-05-29
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)

It seems FCRA 605B obliges us to delete any incorrect accounts from my credit report. Could you check the documents? There are discrepancies in some of the listed accounts concerning the reporting, amounts, and dates.