davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/19 I disputed the XXXX account and XXXX XXXX account that Transunion is reporting on my credit report. I disputed the account due to violations reporting. 

XXXX has a past due balance on a collection and XXXX XXXX has a past due balance as well. 

It is a violation for collection accounts to report past due balance. After Transunion completed their " investigation '' they did not make any changes. 

I want these accounts removed since Transunion has failed to report the accounts accurately after my numerous request for investigations to ensure this account is reporting 100 % legally and accurately.
Consumer complaint received 2019-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

In XX/XX/2016, the case was dismissed and the rent is still with the City of XXXX. XXXX XXXX is aware the money is there. National Credit Systems is reporting to XXXX  that owe {$9000.00} which is not true. I have proven that no rent is owed and their attorney dismissed the case of me owing anything. 

National Credit Systems is reporting incorrect information.
Consumer complaint received 2023-10-30
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. (VA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-06-11
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. (NJ)

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATIONXXXX  XXXX, DEPT OF EDUCATION/XXXX XXXXXXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I received a text message on XX/XX/2023 asking me if I authorize the transaction for {$3400.00} from Bank of America. Since Bank of America sends text to authorize fraud transactions, they seemed normal. I said no and received a text back saying a B of A fraud specialist would call me right away. A phone number XXXX called me and instructed me on how to handle this fraud. They said it was a XXXX fraud, so to combat this I had to send a XXXX for that amount for a Bank of America credit. I dont frequently use zelle XXXX so I dont know much of how it works. I thought that the request sounded a little odd, so I looked up the number and the Bank of America fraud hotline came up from the official Bank of America website, which is exactly the phone number that called me, so of course I trusted it. The person on the line had an American accent as well. They had me send a XXXX of {$3400.00} and had me title it to my name. They instructed me to confirm the transaction that an automated BofA number questioned me about. Once it went through, they would call me the next day to give me an update on my case. They called me back as they said they would and said that there was a final credit that I needed to send myself in order to get my money back. Again, the number that called me was the Bank of America fraud number that is on the official Bank of America website, so I complied. They again walked me through the process where I sent {$2600.00} and they had me title it to myself. I didnt think anything of it until I was talking with my friend who said to call the bank one more time to confirm, to which they let me know I was defrauded. I filed a claim I am seeking reimbursement for the damages as an impersonator of Bank of America which is a company I thought I could trust.
Consumer complaint received 2024-06-11
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)

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( MONTHS REPORTING LATE ) 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. 


( 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  ) 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
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNRISE CREDIT SERVICES, INC (TX)

I have sent letters and disputed this information several times with XXXX  and they haven't been able to physically provide me with copies of my requests. All I have gotten is a message stating it was verified. This is in regards to a collections account with SUNRISE CREDIT SERVICES 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2. What certified documents were reviewed to conclude your investigation? 
3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4. What did it cost your company to obtain the documents needed to complete your investigation? 
5. Please provide proof of your timely procurement of certified documents. 
6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
9. Provide the date of the commencement of delinquency 10. Provide the SPECIFIC date reporting that these items will cease
Consumer complaint received 2024-06-11
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. (NC)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My credit report has invalid information on Transunion, XXXX, and XXXX. 
The personal information on my account is incorrect. 
My address needs to be changed and I'm requesting my employer information to be removed for privacy reasons. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
The only name that should be present is XXXX XXXX. Please update all my personal information on my credit report as soon as possible.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to follow up on my previous complaint, XXXX ID XXXX, regarding inaccurate information on my credit report provided by TransUnion. It has been over 30 days and despite my efforts to rectify the situation, the issue persists, and I seek your assistance in resolving this matter. 

Upon reviewing the copy of my credit history report from TransUnion, I observed several inaccuracies that have a detrimental impact on my creditworthiness. I promptly contacted TransUnion to dispute and request the removal of this inaccurate information, but they have refused to take corrective action, asserting that your company, TransUnion, deems the reported data as accurate. However, I firmly believe that the information is indeed incorrect. 

Here are the details of the inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reiterate that the inclusion of this inaccurate information is causing severe damage to my credit. I kindly request that you promptly investigate this matter and take the necessary steps to rectify the inaccuracies in my credit file. Additionally, please confirm with me within 20 days that you have contacted the credit bureaus to correct this information.
Consumer complaint received 2024-06-11
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. (WA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments but in fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payment I've attached a copy of the report to this complaint on the following dates XX/XX/2023. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to be paid on time immediately. Thank you for understanding and prompt action
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On I noticed suspicious activity from XXXXXXXX XXXX and XXXX XXXX. It was reported to the bank as soon as found out. Customer service opened an investigation in which i.was made.aware my account would be closed a check refund would be sent. My account was closed XX/XX/XXXX. A direct deposit from my payroll was deposited and absorbed due to over drafts caused by fraud. I was made aware I would be updated and never received any information. I was asked to fax a letter and given instructions by a Bank of America representative on what to say. Once the letter was received the customer service rep stated I was not receiving my refund for monies due to " '' failed to mention I didn't have my phone or lost or stolen " '' not added to my letter. I was made aware that it was decided ro not refund me as I had possession of my phone unless I stated it was stolen. They made me fell as I was lying after saying how could they have my card information. I responded that information is saved on the apps account. I requested notes and copies of findings that ultimately came to the conclusion in which they stated none of the information could be given to me only read to me via the phone. I was guided by a representative of Bank of America on what to say, I'm only XXXX XXXX XXXX and unruse of what's correct. I was told my money would be refunded and later made aware it would not based on a letter I was asked to fax and was told what to write. I feel set up and now I've lost over {$1000.00}. My account was positive prior ro charges and a payroll check was deposited prior to Bank of America making the decision to close my account. This shows bad integrity and almost as they asked me to do something that would ultimately hurt me. Also not providing any details in writing regarding the investigation after requested is a bit dishonest. Calls are recorded and should be reviewed.
Consumer complaint received 2024-06-11
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. (IL)

I am submitting a report to challenge and investigate the wrongful reporting of these accounts on my credit file. The Fair Credit Report Act states I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's report.
Consumer complaint received 2024-06-11
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. (NC)

My personal information has been unlawfully used with the following account : XXXX XXXX XXXX As of today XX/XX/year>, only Transunion and XXXX have closed this account after acknowledgement of dispute. XXXX has failed to close or remove this collection after my request. I am requesting this to be removed from all three credit bureaus. I did not grant permission for any bureau to add this collection to my credit report. It must be removed immediately as my rights have been violated. 

BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is a request for VALIDATION made pursuant to the above-named Title and Section.

The following laws have been broken : Code 681b- Permissible purposes of consumer reports ,18 U.S. Code 1028A- Aggravated Identity Theft 15 U.S.,15 U.S. Code 6802- Obligations with respect to disclosures of personal information 15 U.S. Code 6801- Protection of non-public personal information 15 U.S. Code 681c-2 Block of information resulting from identity theft 15 U.S. Code 1692g- Validation of debts 15 U.S. Code 1692c- Communication in connection with debt collection If this continues, I will not hesitate in bringing legal action against your company and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2024-06-11
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. (IN)

PLEASE BLOCK AND REMOVE I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.
Consumer complaint received 2023-11-18
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (CA)

I had made a payment of {$240.00} on XX/XX/. I was told it would take a couple days to clear. To this day, XXXX XXXX XXXX my available balance has not reflected this payment. The bank was charged a day after payment was made and the payment shows it went through through the credit card 's online services. I made several calls. At first I was told it would take a couple days. So I called five days after the payment was made and I was told it would take 5-7 business days and the reason it would take this long was because I made several payments in one billing cycle. I called last week and was told it would take two weeks so by the end of the week ( today, XX/XX/XXXX ), my balance should reflect payment. I was told in order for it to clear before the date, I needed to have a conference with my bank. The representative I called on TuesdayXXXX XXXX XXXX XXXXXXXX said he couldn't complete the conference because there's a lock on payments that not even a supervisor can override. I called today, XX/XX/XXXX, and had a conference with my bank, but the representative was only able to reflect my most recent payment which was {$40.00} made on XXXX XXXX XXXX, posted through my bank account XX/XX/. So when I called back again, a different representative told me the {$240.00} payment had a 15-day hold on it. The only way to clear before then was to have a conference with the bank. However, the call where I had a conference with the bank mentioned both payments ( {$240.00} and {$40.00} ). So I told the representative I already had a conference and mentioned both payments posted. He just kept saying it should clear by tomorrow, XXXX XXXX XXXX. When I asked him why this hold took place, he couldn't give me a direct answer. And when I asked him how to avoid this from happening again, he kept saying to have a conference with my bank and was assuring me it actually wouldn't happen again. When I asked him how this hold would be any different from any future ( potential ) hold he said, " Very good question. You see, Target- '' and he disconnected the call to avoid giving me an answer.
Consumer complaint received 2024-06-11
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. (NJ)

I have sent countless letters to your bureau regarding my identity theft status, yet my concerns remain unresolved. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. Once again, I am disputing the fraudulent information negatively affecting my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-11
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. (MO)

Transunion constantly keep sending me stall letters. Each time I send them an investigation letter along with a copy of my social security card and current drivers license. Even after filing a complaint they are now telling me to provide more proof that its me when I never had this problem before but instead of them investigating the error on my credit report for this XXXX XXXX XXXX XXXX XXXXXXXX. 

they keep sending me letters saying it is not me which is really stressing me out because not only am I spending money on stamps but I am stressing because my credit report is reporting inaccurate and I was also denied credit because of the error I am asking them to investigate.
Consumer complaint received 2024-06-11
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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