davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-02
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. (NJ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-05-02
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. (PA)

HI I couldn't download / upload a copy of my credit report from TransUnion with the address on it for you to send my I didn't want to send something that was corrupt or that had too much information that wasn't relevant to My Open dispute but this is the address ... Should you wish to contact TransUnion, you may do so, Online : To report an inaccuracy, please visit : dispute.transunion.comopens in a new tab For answers to general questions, please visit : www.transunion.comopens in a new tab By Mail : TransUnion Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You may contact us Monday - Friday 8 AM - 11 PM Eastern Time and Saturday - Sunday 8 AM - 5 PM Eastern Time, except on major holidays. 

For all correspondence, please have your TransUnion file number available ( located at the top of this report ).
Consumer complaint received 2024-05-02
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. (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. 

Account Name : XXXX 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 2023-05-03
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo bank claims it provided cashiers check payable to me for CPI payments nearly 2 years ago and continues to ignore facts such as bank sent a check to a wrong address where individual residing girlfriend actually worked at the bank, Wells Fargo employee XXXX stated on recorded line check was cashed, it is clear I am a victim of fraud including identity theft. In XXXX of 2022 I sent certified affidavit including my signature for investigation, to this date I have not received any outcome of the investigation nor any follow up from Wells Fargo regarding this case. More than XXXX US dollars was stolen from me what appears to be organized calculated crime by their internal bank employees and cartel members in conjunction with the bank and other financial institutions. I filed complaint with OCC and DOJ to assist with this matter.
Consumer complaint received 2023-12-23
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I cant afford to pay XXXXXXXX  monthly because my finance has decreased 10 % due to COVID I can only afford to pay a monthly amount of XXXX monthly. Ive tried speaking with credit acceptance to lower my payments and they said they can only split the payment biweekly which still doesnt work for me.
Consumer complaint received 2024-05-02
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. (TX)

I am writing to express my profound concern and dissatisfaction regarding the handling of this attempt to remove fraudulent items. It is imperative to address this matter promptly and comprehensively to uphold the integrity and fairness of the process. 

The persistence of these fraudulent items not only undermines the credibility of the process but also raises serious questions about the effectiveness of the measures in place to prevent such occurrences. 

Therefore, I urge you to conduct a thorough review of the XXXX attempt to remove fraudulent items and identify the shortcomings that contributed to its failure. It is imperative to implement corrective measures urgently to enhance the effectiveness of future attempts and prevent the recurrence of similar issues. The following items thare are fraud should be remove right away : XXXX, XXXX, XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$610.00} ; XXXX XXXX XXXX : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$160.00} ; XXXX XXXX XXXX : {$230.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXXXXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX : {$230.00} ; XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX {$230.00} ; PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/2024 I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request
Consumer complaint received 2024-05-02
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

TransUnion XXXX XXXX has error showing on Credit file regarding company called ( XXXX XXXX XXXX ) company is reporting inaccurate information in my credit report the company is reporting to credit bureau I'm behind for the months XXXX, XXXX XXXX XX/XX/year> I'm never late nor behind these recipts Is proof payments. Is made on time in full payments on time
Consumer complaint received 2024-05-02
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. ()

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 2024-05-02
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. (GA)

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 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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-05-02
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. (GA)

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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX {$590.00} 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 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2024-05-02
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. (CA)

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 2023-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (SC)

Our taxes were inaccurately assessed by the XXXX  of XXXX and were reported incorrectly to the Cardinal Financial ( our mortgage company ) in XX/XX/2023.mortgage payment on loan XXXX XXXXXXXX for the property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. The XXXX of XXXX had inaccurately assessed our property at the wrong tax rate, impacting our mortgage payment and escrow account. After waiting for the error to be fixed, this was completed and re-assessed for the accurate amount owed. The new monthly payment skyrocketed to an amount we simply could not afford and placed much stress on our family. We drained our savings and submitted the required payment to bring our escrow account to over {$7000.00} as requested by the lender. 

We immediately reached out to Cardinal Financial and informed them this needed be adjusted, however we were asked to fax and email the new tax document, which we did. We called numerous times and were told this was received and a loan re-analysis was to be performed as of late XX/XX/2023. After finally speaking with a supervisor, we were told the analysis was never performed and somehow fell through the cracks. We were beyond enraged but she promised this would be settled by XX/XX/XXXX. This unfortunately did not happen and our loan continued to fall behind, incurring late fees that should not have been applied due to this error on Cardinals behalf. Finally, after many more calls, we were advised it was approved and our taxes were found to be {$2700.00}. However, we are XXXX being advised that we owe well more than what reflects the true loan, interest, and tax amount for the months of XXXX. 

The lender is still asking for the inaccurate amount due, despite confirming it is wrong and refusing to accept the new adjusted payment. They said we need to pay them more than we owe and then we will receive reimbursement. We do not have the funds that exceed the true amount.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My social security number is XXXX On credit report XXXX their is Two negative fraud items that have the same account number and balance these duplicate fraud items supposed to be removed and blocked I have a federal trade commission identity theft report on file regarding equifax their is one negative item that's fraud on my equifax report and XXXX XXXX theirs three negative items I have a federal trade commission identity theft report on file please have XXXX and equifax and XXXX XXXX removed these negative items
Consumer complaint received 2024-05-02
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)

I am writing to express my serious concern and dissatisfaction regarding the handling of this attempt to correct late open accounts. It is imperative to address this matter promptly and effectively to ensure fairness and transparency in the process. 

Despite assurances and previous attempts to rectify the issue of late open accounts, I regret to inform you that the problem persisted during the 3rd attempt. This recurring issue not only disrupts the proceedings but also undermines the confidence and trust of participants in the integrity of the process. 

Therefore, I urge you to take immediate and decisive action to identify the root causes of the late open accounts and implement robust measures to prevent their recurrence in future attempts. Furthermore, I request transparent communication regarding the steps taken to address this matter and ensure the timely opening of future rounds. Timely and clear communication is crucial in rebuilding trust and confidence among participants. With this, I am asking for your assistance to correct the late open accounts : XXXX XXXX Balance : {$4900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX {$0.00}.