davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
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. (AR)

I am writing to formally dispute several unauthorized inquiries appearing on my TransUnion credit report. These inquiries were made without my authorization and are not connected to any legitimate account or service. As such, they should be removed from my report immediately. I request an investigation into these unauthorized actions and compensation for any potential harm caused. 

Unauthorized Inquiries The following inquiries were unauthorized and/or not connected to any legitimate account or service : XXXX. XXXX XXXXXX/XX/XXXX Category : XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Category : XXXX XXXX XXXX and Impact The presence of these inquiries on my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ). Unauthorized inquiries can negatively impact my credit score and overall creditworthiness, causing undue stress and potential financial harm. 

Applicable Laws and Regulations 1. 15 USC 1681b - Permissible Purposes of Consumer Reports : Requires that credit inquiries must have a permissible purpose, such as consumer consent or a legitimate business need. These inquiries were made without my authorization or any permissible purpose.

2. 15 USC 1681c-2 - Blocking of Information Resulting from Identity Theft : Allows consumers to request the blocking of information resulting from identity theft, including unauthorized inquiries.

3. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information, including unauthorized inquiries.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was reviewing a copy of my credit report and notice there where some late payments on my account that are inaccurate Payment dates follow XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-06-06
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. (OH)

I am writing to address an ongoing issue regarding unauthorized inquiries appearing on my credit report. Despite my previous attempts to resolve this matter, the unauthorized inquiries continue to be reported, and it is imperative that they be promptly investigated and removed to ensure the accuracy and integrity of my credit profile. 

Upon reviewing my most recent credit report dated XX/XX/XXXX, I have noticed that unauthorized inquiries are still being reported. These inquiries were not initiated or authorized by me, and their presence on my credit report is both concerning and damaging to my creditworthiness. 

Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX I want to emphasize that these unauthorized inquiries do not reflect my credit behavior or financial activities. Their presence on my credit report may lead to misconceptions about my creditworthiness and could potentially impact my ability to obtain credit or other financial opportunities.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MA)

Hi, Hope everyone is well. Over the past month, Ive made several attempts to access my Equifax credit report online. Despite having a validated login. Despite mailing all the requested information Equifax requested to reset my account. ( Equifax confirmed receipt of my information on XX/XX/year>, and confirmed the info was correct ). I am still unable to view the report. In my XXXX interactions with Equifax, they assured me they were actively addressing the issue, and within twenty-four hours I would be able to access my account. I am still unable to view the report. Equifax offered to send me a copy of my report in the mail. I can not receive the report by mail since I am currently outside of the country and will be abroad for the next XXXX months. Given that I am abroad and will be abroad for XXXX months, I need to closely monitor my report online in case of any fraudulent activities. I havent encountered any problems viewing my online reports from XXXX or XXXX. Kindly contact Equifax on my behalf. 

Thank You, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I received an Amex eGift Card for {$100.00}. This was received an email from XXXX. On this email, I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX XXXX XXXX  and shows a balance of {$100.00}. I attempt to use this on various sites ( using less than the face value of the card ), and the transaction is repeatedly declined for no reason. I am appropriately typing in the card number, date and CVV, yet they continue to be declined. The expiration date is XX/XX/year>. Upon doing research, many people have reported a problem with Amex gift cards.
Consumer complaint received 2024-07-29
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)

My account with XXXXXXXX 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 the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe XXXX to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I demand the late payment reported in months that are reported 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. 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 2024-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (NJ)

On XX/XX/XXXX, I spent XXXX hours on the phone with XXXX different employees @ Selene Finance. The last person I dealt with there worked in the ESCROW department. After I explained the situation, after she kept trying to repeat the company BS, she acknowledged that I was right and she allegedly was requesting that the funds held by Selene - both in ESCROW and in the Suspense account be properly applied toward my account. It's been XXXX weeks and Selene has failed to bring my account up to date. 

I received correspondence in the mail from Selene Finance ( attached ) dated XX/XX/XXXX, called an Annual Escrow Account Disclosure Statement that says, my new monthly payment starting XX/XX/XXXX, is {$3000.00} ( a difference of {$560.00} ). Retroactively reducing my payments per their new escrow determination. 
On XX/XX/XXXX, XXXX received a tax refund on my account for {$3700.00} and put it into XXXX. 
As of XX/XX/XXXX, XXXX has my account past due from XX/XX/XXXX ; holding {$9500.00} in XXXX and with {$580.00} in a SUSPENSE account for a total of {$10000.00} technically in my name. 
$ XXXX $ XXXX meaning 3 months of FULL MORTGAGE PAYMENTS TOTAL PLUS an extra {$920.00} This means that my next full mortgage payment would not be due until XX/XX/XXXX with a balance of {$740.00} ( see letter to Selene XX/XX/XXXX ) XXXX 

Selene Finance violates the XXXX Consumer Financial Protection ACT by manipulating the date the payment is received to artificially create constant late payments by applying part of the payment to something other than principal and interest creating a partial late payment or deficiency by way of erroneous fees. They practice creative and deceptive account management and have consistently been reporting my payments as late to the credit agencies since they took over servicing my mortgage.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

Around the XXXX of XX/XX/2023 I attempted to cash refund check after they closed my account. When it was denied due to a stop payment. I have left several messages to inquire why I have not received any explanation or return call after several messages left. After my first complaint it seems retaliatory in direct response to the complaint filed. They have my XXXX dollars for 5 months now with out my having access. That is a federal crime is it not theft and fraud. I've got no recourse to retrieve my money or fix the damage they have done to my credit. XXXX points for an account they never opened but reported closed and kept my money. I need direction o. How to proceed. Clearly I can only keep calling but at what point do I receive compensation for there having kept my money for the better part of the year and causing me great harm in my attempt to obtain a better credit rating.
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

THIS WAS THE LETTER SENT TO CAPITAL ONE : Capital One Subject : Clarification and Evidence of Unfounded Accusation Dear Capital One Customer Relations, I am writing to address a matter of utmost importance regarding a recent incident involving unauthorized activity on my Capital One credit card. I recently received information indicating that my credit card was used for fraudulent transactions, both on XX/XX/XXXX, totaling {$400.00} ( {$100.00} + {$300.00} ). This credit card was issued after I required Capital One to replace my old credit card with this new one that offered some benefits. I want to clarify that this particular credit card was never delivered to my home. 

Firstly, I would like to direct your attention to the declaration provided by XXXX XXXX, a close friend and current host at the address XXXX XXXX  MD XXXX. Her statement corroborates the fact that I have been at her residence since XX/XX/2023, where I came due to business matters. Furthermore, XXXX confirms that we were together on XX/XX/2023, the day in question, for the entire duration. 

In addition to XXXXXXXX XXXX declaration, I have attached copies of my XXXX XXXX  statements for the period leading up to and including XX/XX/2023. These statements clearly indicate my presence in the area and my legitimate financial transactions, further solidifying my claim that I was here in the day that happened the unauthorized activity on my Capital One credit card in XXXX, FL. 


I kindly request that you expedite your investigation, taking into account the evidence I have provided. Please feel free to contact me at XXXX XXXX or XXXX if you require any further information or clarification regarding the evidence I have submitted. I sincerely hope for a swift resolution to this matter and the clearing of my name from any unfounded allegations. 

Thank you for your understanding and prompt attention to this issue.
Consumer complaint received 2024-08-25
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. (NJ)

This is the law you use! Send this to Transunion 15 U.S. Code 1681i - Procedure in case of disputed accuracy a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the XXXX period described in subparagraph ( A ) may be extended for not more than XXXX additional days if the consumer reporting agency receives information from the consumer during that XXXX period that is relevant to the reinvestigation. 

XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have a credit freeze on file with the XXXX major credit reporting companies. XXXX and TransUnion do not offer two-factor authentication for the accounts that people are required to set up with these companies in order to establish a credit freeze. ( XXXX does offer XXXX. ) Very little personal information is required to set up these accounts, and as a result they would be very easy to hack, particularly given the number of major data breaches there have been, including of XXXX itself in 2017. XXXX offers two-factor authentication for certain of the paid services if offers. Why isn't it -- and TransUnion -- required to offer XXXX to consumers who are trying to protect their financial information?
Consumer complaint received 2023-08-26
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION (TN)

Truist bank called me with an outsourced. A person from overseas called me at XXXX oclock in the morning on a Saturday morning on the XXXX of XXXX XXXX information that she wanted could wait till Monday, Tuesday, Wednesday, Thursday, not Friday, Saturday, or Sunday. The personal phone sounds like the truist bank are outsourcing these calls overseas because it is cheaper for them. The person on the phone, drop the phone call. When I told the person on the phone that I was going to complain through their superiors, they did pretend not to hear So, I must use this XXXX because Im not going to sit up here and constantly get drop calls when I try to put in a complaint with them locally. It simply relates to them that is improper to call me at XXXX XXXX  on a Saturday morning when it is something that can be done during their bank hours. I would like to handle it between the bank on Saturday, but Im pretty sure the people I must talk to are not working on Saturday or Sunday XXXX : {$170.00} Date : XXXX XX/XX/2023 Time : XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OK)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Hello, i have noticed that per my credit report, Bank of America has reported a late payment for XX/XX/XXXX  on my credit report. This was reported to the credit bureaus without my consent. Per U.S. Code below, im asking for proof documentation that i consented for this to be reported to XXXX, XXXX, XXXX, or any other party I am unaware of. Proof of signed/agreed consent to share our transactional history is being requested. Thank you 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does *****************NOT************** include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;