davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
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. (IL)

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as XXXX XXXX Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section XXXX ( XXXX ) ( XXXX ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section XXXX A. XXXX I have the right to privacy. 

According to : 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2019-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Bass & Associates, P.C., Attorneys at Law (NY)

there is no way of doing any corresponding online with your account. You are help to speaking only to them. I DO NOT have the hours to spend on hold to change my CC #. I have been trying for 4 weeks now and have been on hold for a total of 12.5 hours!!!!!!!!!!!!! That is insane on this day and age.
Consumer complaint received 2019-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (TX)

I applied for a XXXX XXXX credit card and was so excited about this card and US BANK Has pulled a credit inquiry with XXXX  and I was told I could be approved for credit card if I can verify my identity which I did and being out on hold for hours and talk to 49 different reps and half of them were rude to me and hanging up the supervisor of the account verification dept is refusing to give me my application number for my credit card application and I ask for it several time and I was told they are not allowed to give it out over the phone and he was rude to me and gave me a hard time and said they dont feel comfortable of giving me credit I ask the supervisor why and he told me he wouldnt discuss it with me that I have to wait for a letter to come in .... I explain to him there is nothing wrong with my credit report and I have a good credit rating so I dont know what going on .... I feel discrimination and disgusting and I wont be doing business with us bank ever again The application number is # XXXX
Consumer complaint received 2023-09-13
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. (NC)

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 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 2024-06-10
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
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)

After looking over my credit report I have found inaccurate information. XXXX, Transunion and XXXX are reporting 1 thirty day late child support payment from the attorney general. The month in question is XX/XX/year>. I have made payments every month, and keep records for proof.
Consumer complaint received 2024-06-10
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. (IL)

I've recently reviewed a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-06-10
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. (NV)

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 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

Although this in a similar complaint to the previous one, it came to light after the company had responded that this was actually discrimination based on my country of origin. 

The company required a verification process that required you to have previously filed a tax return in the United States, and did not provide an alternative process for those customers who did not originate in the United States. When they were unable to verify my details because of this, they made a discriminatory business decision to close my account. 

On complaining directly to Discover, they confirmed this is the process and refused to escalate the matter. Credit has therefore been discriminated against due to my country of origin.
Consumer complaint received 2024-06-10
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. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-10-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Rec 2 checks s for {$800.00} each, deposited into acct on XX/XX/XXXX, funds put on hold then posted to my acct making funds available on XX/XX/XXXX. Unfortunately, I was unable to follow thru with commitment so I needed to return funds. Initiated wire transfer and confirmed with Bank of America that funds were definitely available and once confirmed, I sent wire. On XX/XX/XXXX I tried to log in on my online banking app and could not so when I called bank, I was told my online banking had been suspended and my acct was overdrawn by over {$900.00} as they debited the {$1600.00} stating checks were fraud and after arguing with them and telling them they needed to credit back funds since they are the ones who released them to begin with and was told that they are sorry for my frustration, but nothing they could do
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: DISCOVER BANK (NC)

My account have been paid in full for over 60 days now and my credit file is not reflecting this change. I have reach out to the bank and I was told by an agent that they have report to the credit bureaus that the account have been paid in full.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. I have sent multiple letters and filed disputed online requesting proper documentation signed by me. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) - They are required to " Promptly delete all information which can not be verified. '' Please resolve this manner as soon as possible. Thank You
Consumer complaint received 2024-06-10
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (TX)

The company CBE Group is reporting a debt of {$290.00} from the original creditor XXXX XXXX. This debt was originally falsely reported by a previous company, XXXX XXXX XXXX, in the amount of {$160.00}. The debt amount has not only increased but is not valid. The original debt was deleted XX/XX/2016 from all credit bureaus due to it being a invalid debt. I have not received any communications from CBE group. This debt has already been disputed and deleted through the previous collector.
Consumer complaint received 2024-06-10
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. (GA)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2024-06-10
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)

My account with 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 Late 30 Days and Late 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 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 2024-06-10
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. (NJ)

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 2023-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022, ( Payor ) wrote a check number XXXX to ( Payee ) for the sum amount {$68000.00}. On XX/XX/2022, Payee made an ATM check deposit for said sum amount in question. The Payees bank XXXX XXXX  placed a XXXX business hold on the funds and subsequently the hold being lifted put a restriction on the Payees account for identification verification. On XX/XX/2022, both Payor and Payee entered XXXX XXXX  branch located on XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, Fl. XXXX, for the purpose of identification verification. Upon such verification XXXX XXXX refuse to release the funds to the Payee and informed him that his account was being closed stating XXXX XXXX no longer want relationship. 

Currently, XXXX XXXX has been in possession of the {$68000.00} in question for approximately 9 months and refuse to release the funds to ( Payee ) after identification verification was completed and without valid cause and refuse to have the funds return to ( Payor ) account upon Payees request. XXXX XXXX has an obligation to return funds not subject to fraud back to where it originated. 


However, Payor was directed by the Payees bank XXXX to reach out with Wells Fargo Bank and have the bank submit a claim requesting the funds to be returned to the Payors account. According to XXXX XXXX Back XXXX, Wells Fargo Bank has not submitted any claims requesting the funds to be return back to the Payors account. Wells Fargo Bank has an obligation to the Payor to make such request upon Payors request and has failed to do so.

Payor has made numerous calls to Wells Fargo Bank requesting that a claim be submitted to XXXX XXXX to have the funds returned to his account. Wells Fargo Bank allegedly submitted a claim requesting the funds to be returned according to their BACK OFFICE but have not provided the Payor with any documentation as proof showing a stamp date and time as to when the claim was submitted. Wells Fargo Bank has continuously relied on its response dated XX/XX/2022, stating, In researching your inquiry, we determined the issue of possible fraud on your account needs to be resolved directly between you and PAYEE, to deny Payors request in submitting a claim to have funds withdrawn from his account returned, thus depriving him of his property ( monies ) that was in trusted in the hands of Wells Fargo Bank. 

Wells Fargo Bank has willingly refused to submit any claims to XXXX XXXX requesting the funds to be returned to Payors account and to provide any documentations demonstrating that such request was made. The monies are not subject to fraud nor there exist any evident that would state otherwise. Both Banks are violating the Payors and Payees rights in depriving them of the monies without any valid cause and are abusing their power in doing so.
Consumer complaint received 2024-06-10
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)

My account with 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 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX 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  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 2023-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CO)

Dear XXXX XXXX XXXX I am writing to file a complaint against a collection agency that has been harassing me with incessant calls, despite my repeated attempts to inform them that they have the wrong person. Despite my verification that I am not the individual they are seeking, the agency has refused to remove my name from their list and continues to call me on a daily basis. 

This behavior is not only extremely frustrating and disruptive to my daily life, but it also violates my rights as a consumer. I have tried to reason with the agency and have even provided them with proof that I am not the person they are looking for, but to no avail. The constant calls have caused me undue stress and XXXX, and I am at a loss as to what to do. 

I request that you investigate this matter and take appropriate action against the collection agency. I also request that they be required to remove my name from their list immediately and cease all further contact with me. I would greatly appreciate your assistance in resolving this matter as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX