davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
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)

PLEASE BLOCK AND REMOVE I urgently ask you to promptly remove the unauthorized accounts from my credit report. I did not authorize them, and they are causing me significant distress. Please correct this error without delay.
Consumer complaint received 2024-06-04
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. (FL)

Good afternoon, below I attach information from inquires and collections not recognized or authorized by me, the information that exists in my credit report is incorrect and I immediately need it to be removed from my credit report in XXXX, TRANSUNION, XXXX. I appreciate your timely collaboration and I remain attentive to your effective and prompt response TRANSUNION INQUIRES DONT RECOGNIZED 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AE)

I have been reported as 60 days late on one reporting bureau and 30 days on another. 15 USC code 1681i, Inaccurate or Unverifiable Information must be deleted. Also, in accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC Code 1666b, a creditor may not treat a payment under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

My XXXX XXXX payment for XXXX was due XX/XX/year>. I made a XXXX XXXX payment to Mohela on XX/XX/year>. The payment was withdrawn from my bank account on XX/XX/year>. Between ~XXXX XXXXXXXX through XX/XX/XXXX, Mohela transitioned their online system to a new platform. On XX/XX/year> I received an email from Mohela stating that I missed my XXXX payment. I logged into their new site and it shows me as having missed my XXXX payment and delinquent. I called Mohela on about XX/XX/XXXX to discuss and they were able to find the payment but said that their system needs 30 days to update. Its been beyond 30 days and nothing. Im in the XXXX XXXX XXXX XXXX XXXX and XXXX was my XXXX payment. Im unable to make my XXXX payment ( what was suppose to be my last payment before forgiveness ) without it being applied to the past due balance. Im also worried about being reported to the credit agency. This is unacceptable and would be unacceptable in any other industry.
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very upset with Transunion ; I filed a dispute back on XX/XX/2023 via certified mail/USPS. I never received notification from Transunion of the results of the dispute and here we are XX/XX/2023. I called and spoke to a rep in the dispute department on XXXX, XXXX, 2023 and he told me that Transunion hadn't received a dispute from me as of recent which is FALSE because per USPS website, my CERTIFIED letter was left with a represenative or agent who collects the mail for TRANSUNION. Transunion is allowing XXXX XXXX XXXX, Account number XXXX to report incorrect and incomplete payment history on my credit report. There is no full complete payment history but the status says that I was 90 days past due. Transunion definitely dropped the ball and didn't bother to proceed with my dispute. I want this account DELETED immediately.
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (MI)

When filing disputes, I was assured by the US Bank representative I was speaking with, for over XXXX hours, that my account wouldn't negatively be affected because of it. After several weeks of denying me access to information regarding those disputes, they have not only apparently decided to close my account for excessive disputes, but remove all access to my account information. I have no ability to see my current balance or the actions being taken. I have had credit cards with balances closed in the past, and this has never been a step taken. According to my online dashboard, I no longer have an account, balance, bill, statements, or anything else. The account never existed despite the currently pending charges and negative balance, or the rather obvious attempts they have made in the last couple of weeks to cover for various retailers.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-03
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. (TN)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me
Consumer complaint received 2024-05-17
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)

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 Preferred Credit XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Investment Retrievers 340034 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 a section 2 : it also states a consumer reporting agency cannon furnish an account without my written instruction 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 informaiton, 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 infomation relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX - Account # : XXXX Account name : XXXX - Account # : XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX U.S.C. 1681 Section 602 Ab 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 an 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 or 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. 1682s-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 2024-06-04
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. (FL)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by ADR.ORG. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-06-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (FL)

This company called me this morning, identified themselves as a debt collector, then requirement me to " confirm '' the information they have on me with statements like " Can you confirm your home address for me? '' or " Can you verify your DOB? ". I will not provide someone with this or any other personal information, based on their claim that they are " confirming '' they are speaking to the right person. If they want to confirm, then tell me what you have in your system and I will confirm whether or not it is correct ( equal to my info ), but I am not handing this information out and it is illegal that they require you to " confirm '' this information ( eg give them your PII data ) to discuss a claimed debt. This is not the spirit of what was intended by introducing hippa protections.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO (CA)

Re : XXXX XXXX, Popular Banco XXXX Credit Card ending... XXXX This bank is also doing business under these names : Banco Popular de Puerto Rico. XXXX XXXX ( XXXX ) ; XXXX XXXX XXXX. XXXX XXXX, PR XXXX XXXX. Popular Bank. Customer Care Center ; XXXX XXXX XXXX Telephone : XXXX ; Mail : POPULAR CREDIT SERVICES Card Products Division XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXX XXXX PR XXXX XXXX. E-MAIL XXXX ... XXXX XXXX XXXX. XXXX XXXX PR XXXX XXXX. BANCO POPULAR DE PUERTO RICO. XXXX XXXX XXXX. 

Popular credit services- Disputes Resolution XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX. Dispute Department. po box XXXX. XXXX, TX XXXX XXXX. XXXX XXXX XXXX. XXXX, GA XXXX XXXX. XXXX Consumer Solutions. XXXX XXXX XXXX XXXX, PA XXXX Please be advised that Im exercising my rights as spelled out by the Fair Credit Reporting Act in Section 609 and Section 623 ( e ). I am requesting the following items on my credit report be updated to reflect the fact that this Bank has defrauded the above-named agencies by providing false and defamatory information regarding missed payments and late payments associated with this account. I have been in contact with this bank numerous times and have even frozen this account and they too closed it yet still they applied unauthorized charges, to which they have added interest and late fees but worse of all they have gutted my CREDIT over the total amount of {$130.00} the majority of which is fees and I made them reverse the charge on the unauthorized purchase that went through when it should have been rejected. They are a predatory lender. They need to be stopped. But right now I need these criminals to stop destroying my credit. 

XXXX  complaint # XXXX Popular Banco, XXXX, XXXX XXXX Credit Card ending in ... XXXX Please remove all derogatory ratings and records reported by the above credit card company from my credit reports and please block them from reporting any further negative credit reports from this credit card as this card should have been permanently closed for over 2 months now. 

HERE IS AN EXAMPLE OF JUST ONE OF MY OTHER CREDIT CARDS THAT HAVE BEEN AFFECTED BY THIS ONE CRIMINAL ORGANIZATION : Dear credit customer, Were committed to keeping you informed about changes to your account, so were notifying you of a recent credit line decrease made on your account ending in XXXX. 
Weve decreased your credit line to $ {$8000.00}. Youll find specific reasons for this change below : The credit reporting agency has reported a recent credit delinquency. 
The physical address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and another name they have used was XXXX popular.
Consumer complaint received 2024-06-04
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. (GA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law to resolve this matter as soon as possible. 

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/year>
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PR)

I made a payment for the full balance of my Synchrony Bank PayPal XXXX XXXX as of XX/XX/22 ( {$3800.00} ), the money was withdrawn from my bank account at least 1 week ago as of toay, and they told me that the paymet will not reflect in my account until at least the XXXX of XXXX. In the meantime, I don't have my money in my bank, nor I can't use my card. In a nutshell, they are using my money for at least 15 days. Enclosed is the conversation with their Rep. 


Connect to Live Chat Waiting for Representative Current wait times for services with a live agent are up to 2 minutes.

Welcome to PayPal Credit Card Live Chat. Your chat will be monitored and recorded for quality purposes. A chat agent will be with you momentarily Can someone review the appliation of my last payment from XX/XX/22, it is not posted to my account, therefore I can't use my card XXXX  Hello XXXX. Thank you for contacting Synchrony Bank regarding your PayPal account, we appreciate your business! XXXXXXXXXXXX>My name is XXXX XXXX XXXX 

XXXX  Could you please elaborate your question? 

Can someone review the appliation of my last payment from XX/XX/22, it is not posted to my account, therefore I can't use my card XXXX  I will check that for you. 

XXXX  Could you please verify your mother 's maiden name and the 3 digits CVV code, which is behind the card? 
I made a payment on XX/XX/22 it was withdrawn from my bank account, and still not posted, I can ; t use my account XXXX  I will check that for you. 
XXXXXXXX XXXX XXXX XXXX Thank you very much for the verification. 

XXXX  Please allow me 2 - 3 minutes to access and review your account to help you better.

Sure, appreciate your help XXXX  I apologize for the delay as it is taking a little longer than expected to access your account. Please give me another 2 - 3 minutes. 

No problem XXXX  Thank you for staying online, I appreciate your patience. 

XXXX  The payment of {$3800.00} made on XX/XX/22 is on hold and will get released on XX/XX/22. Once released, the credit will be available. 

XXXX  When there are multiple payments or large payments, the payment goes on hold due to security reasons, however, once it is verified by your bank, the payment will be released. 

XXXX  Request you to wait until the payment gets released. 

ON THE XXXX XXXX  Yes. 

XXXX  Would you like me to assist you further? 

That is 15 days, without the money in my bank account, nor my credit. XXXX, I know it is not your fault, but that is unacceptable XXXX  I agree with you. 

XXXX  Since this an XXXX banking XXXX, very rarely, this issue arises, wherein there is a delay from the customers bank in verifying the payment. 

The money already left my bank account, how come Sorry my friend, I know you don't make the rules, But le your superiors know I will file a claim with the CFPB End Live Chat
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX, and I am sending this request in response to a letter I received from Experian Credit Bureau that they wont process my request to dispute inaccurate information in my credit file. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that Experian Credit Bureau must investigate and delete these fraudulent Accounts XXXX XXXX XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX XXXX Balance {$10000.00}.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.