davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-09
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. (VA)

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 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: EQUIFAX, INC. (TX)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-07-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

For an extended period, I've been experiencing incessant harassment from Portfolio Recovery Associates about a supposed debt I unequivocally dispute. I have no collections recorded, neither currently nor in my past credit history. Despite my explicit request for a debt validation notice, they continue to reach me through a multitude of numbers at various times : XX/XX/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 XXXX XXXX XXXX. Moreover, I've been registered on the 'Do Not Call ' list since XX/XX/, which only highlights the impropriety of their repeated calls.
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. (CT)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-05-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Benht: Economic Development Corporation (CA)

I received a loan from XXXX XXXX for {$1500.00}. I did not realize that I was taken advantage of. I feel like this is excessive and predatory. What can I do? I am a senior citizen and these excessive payments are crippling me. 

Balance : XXXX ( XXXX ) payments of {$240.00} for a total of {$4200.00} Paid to Date | Up to Date and In Good Standing XXXX ( XXXX ) payments of {$240.00} ( {$3700.00} Balance Remaining ).
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/, a little before XXXX XXXX I used Ally Bank 's online check deposit feature to deposit a {$2000.00} check from the US Treasury. 

Despite beating the cutoff time, I noticed there was no actual details of when the check would post. Later that night, the site was updated to indicate an extended hold of five days was placed on it. The only reason given was " inconsistent information on the check '' ( what?! ) I am familiar with the reasons that an extended hold can be placed on government checks - none apply in this case. I've never been overdrawn. It wasn't over the large check threshold. There is no reasonable doubt that this check will be paid ( it's a GOVERNMENT CHECK ). 

It seems they are actually probably just annoyed that my balance is far lower than the value of a check, and made up a reason to hold it. 

They refused to remove the hold when I asked. Now {$2000.00} is in limbo. I've been waiting five months for this check.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act.The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Transunion. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Transunion, XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX, XXXX Transunion, XXXX XXXX. XXXX XXXX XXXX XXXX-Reported XX/XX/XXXX # XXXX XXXX  XXXX Bankruptcy XX/XX/XXXX Reference Number XXXX XXXX XXXXXXXX Bankruptcy XX/XX/XXXX Reference Number XXXX XXXX XXXX Bankruptcy XX/XX/XXXX Reference Number XXXX XXXX XXXXXXXX Bankruptcy XX/XX/XXXX Reference Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX I looked over my XXXX, XXXX, Transunion XXXX XX/XX/XXXX and noticed some are incomplete and not accurate.And according to the Fair Credit Reporting Act whenever and consumer reporting agency prepares a it should follow reasonable procedures and provide maximum possible accuracy of the information concerning the individual about whom the the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i they are suppose to do this ( 5 ) Treatment of inaccurate or unidentifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information from the file of the consumer can not be verified, the reporting agency shall ( i ) promptly delete that item of information the the information has been modified or deleted from the file of the consumer. ( ii ) Promptly notify the furnisher of the that information that the information has been deleted from the file of the consumer. and according to XXXX XXXX XXXX are not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning 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. (NY)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

The information was deleted by Equifax because I am a victim of identity theft. The fraudulent accounts were XXXX XXXX XXXX accounts ending in XXXX and XXXX. Equifax removed the accounts and then reinserted them under XXXXXXXX XXXX with the same account numbers ending in XXXX and XXXX. Equifax did not send me information on the reinsertion which is required within 5 days a violation of FCRA rules and standards. I tried reaching out to XXXX but it is a defunct bank so not sure how they are reporting any information from that bank. Equifax is not honoring the rules of the Fair Credit Reporting Act. I have attached the Equifax reports showing they are reporting as XXXXXXXX XXXX which has NOT been in existence since XXXX of XXXX but is showing up on my credit report as of XXXX of XXXX!! I am demanding this information be removed from my credit report, immediately.
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. (CA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX account # XXXX, XXXX Government account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to 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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (NC)

Multiple communications with VENMO /Paypal submitted statement of amounts owed that are sitting in the account to be refunded. 

Requested account be closed, they have refused. 
Claim I violated agreement when they violated agreement first by not allowing my support documents to be unloaded by their software. Multiple phone call could not resolve. 

Claimed I was doing something illegal but never produced any evidence of this. holding on to funds even though XXXX days have passed.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (NC)

XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX  : Original creditor XXXX XXXX Opened : XX/XX/XXXX I am writing to bring to your attention a matter of urgent concern regarding identity theft and fraudulent activity associated with my Credit Report. Upon reviewing my recent credit report, I have discovered numerous unauthorized accounts that I did not initiate or authorize.

These discrepancies indicate that my personal information may have been compromised, resulting in unauthorized accounts.

As a victim of identity theft, I am deeply troubled by these findings and am taking immediate steps to address the situation. FTC REPORT has been filed.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, 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. (FL)

The following Inquiries do not belong to me nor did I authorize them : XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act.The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Transunion. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX Transunion, XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX, XXXX Transunion, XXXX XXXX. 
XXXX XXXX XXXX XXXXt-Reported XX/XX/XXXX # XXXX XXXX XXXXXXXX Bankruptcy XX/XX/XXXX Reference Number XXXX XXXX XXXXXXXX Bankruptcy XX/XX/XXXX Reference Number XXXX XXXX XXXXXXXX Bankruptcy XX/XX/XXXX Reference Number XXXX XXXX XXXX Bankruptcy XX/XX/XXXX Reference Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX I looked over my XXXX, XXXX, Transunion XXXX XX/XX/XXXX and noticed some are incomplete and not accurate.And according to the Fair Credit Reporting Act whenever and consumer reporting agency prepares a it should follow reasonable procedures and provide maximum possible accuracy of the information concerning the individual about whom the the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i they are suppose to do this ( 5 ) Treatment of inaccurate or unidentifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information from the file of the consumer can not be verified, the reporting agency shall ( i ) promptly delete that item of information the the information has been modified or deleted from the file of the consumer. 
( ii ) Promptly notify the furnisher of the that information that the information has been deleted from the file of the consumer. 
and according to 15 USC 1681s-2the are not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe 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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello I recently look to my credit report and i am a victim of identity theft, i found on my credit report the fraudulent account, that i want to dispute. The fraudulent account ruined all my credit score. 
XXXX XXXX  : opened XX/XX/year> XXXX XXXX  : Account number XXXX XXXX XXXX  : Fraudulent Charges {$1100.00}
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX call them to pay or make settlement on balance due and they said account was sold to collections agency but have no info on who it was sold to. No one will contact me to resolve. Balance on credit report shows i have an active balance but it was sold to collections agency shouldnt have a current balance. Requesting to be deleted or updated and i wish to make payment to close it out.
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. (TX)

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I just checked and reviewed again my Transunion credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
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. (NJ)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX  I contacted Bank of America to verify why my loan statement indicated that my mortgage balance was {$4400.00} after completing a modification. Bank of America 's process is to place all past due balances to the rear of the loan upon completing a modification, which brings the loan current. I explained to the representative that I completed a loan modification in XXXX and all payments were made on time, in which she agreed and confirmed that she reviewed the documents and the modification was completed. She also reviewed with the underwriting team and I was told that payments were misapplied and would be corrected in about 5 business days. I called back on XX/XX/XXXX for an update and was told it was still being reviewed and escalated and I was given a case number. I called again today, XX/XX/XXXX and was told it was still being reviewed and to call back on XX/XX/XXXX. I also informed the representatives that I have been receiving unsettling text messages and phone calls from people inquiring to buy my home. The misapplication of payments makes it appear that my loan is in default for foreclosure as well as negatively affecting my credit report and score. I have complications that require XXXX this month and having to deal with this process is causing unwanted emotional and physical stress on my body, embarrassment from callers to my phone, and the fear that I could lose my home. I have spoken to various people and departments within Bank of America and they are aware of the misapplication of payments so I am not sure why this process has taken this long, especially after it was escalated.