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. (TX)

Despite my prior multiple attempts to address this issue, the incorrect opening date remain unresolved. The incorrect opening date listed for my account have caused significant inconvenience and potentially impacted my financial standing. It is imperative that this discrepancy is corrected immediately. To support my claim, I have attached all relevant documentation once again, including proof of the correct opening date and any other supporting materials. Given the seriousness of this matter, I urgently request that your team take the following actions : Immediately correct the opening date on my accounts to reflect the accurate date. Provide a detailed explanation of the steps taken to resolve this issue and prevent similar occurrences in the future. Confirm in writing that the correction have been made to my account. I understand that resolving such matters can be complex, but the prolonged delay in addressing this inaccuracy is unacceptable. Please provide regular update on the progress of this issue until it is fully resolved. With this, I am asking for your assistance to correct the account : XXXX XXXX XXXX Balance Owed : {$3200.00}.
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Subject : Complaint Regarding Inaccurate Credit Reporting Under Section 807 of FDCPA and FCRA Dear Sir/Madam, I am writing to formally dispute the inaccurate information reported by XXXX XXXX XXXX XXXX XXXX credit report. My name is XXXX XXXX XXXX, and my credit report includes a potentially damaging entry that I believe violates several provisions under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Responsibility : Joint Date Opened : XX/XX/XXXX Status : Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$10000.00} Balance Updated : XX/XX/XXXX Original Balance : {$12000.00} Terms : 79 Months On Record Until : XX/XX/XXXX Payment History : Charge Offs : XX/XX/XXXX to 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, XXXX XXXX  90 Days Past Due : XXXX XXXX 60 Days Past Due : XXXX XXXX  30 Days Past Due : XX/XX/XXXX Laws Violated : XXXX. Fair Debt Collection Practices Act ( FDCPA ) : o Section 807 ( 15 U.S. Code 1692e ) : Prohibits the use of any false, deceptive, or misleading representation in connection with the collection of any debt. The reported status and balance of this account contain inaccuracies that are misleading and harm my creditworthiness. 
2. Fair Credit Reporting Act ( FCRA ) : o Section 611 ( 15 U.S. Code 1681i ) : Requires that credit reporting agencies investigate disputed information.

o Section 623 ( 15 U.S. Code 1681s-2 ) : Requires furnishers of information to provide accurate information to credit reporting agencies.

o Permissible Purpose ( 15 U.S. Code 1681b ) : The continued inaccurate reporting suggests that my credit information is being mishandled, possibly shared or utilized without a permissible purpose.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My account with all the companies that I included on the document 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 the months that I was 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.
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)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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/year> to XX/XX/year> 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 XXXX 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 XXXX XXXXays 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 2024-08-02
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: EQUIFAX, INC. (CA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-06-09
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 can not furnish a account without my written instructions.

15U.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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s- ( 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. 


I ask many times for proof of signature of contract for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. that this account belongs to me, However XXXX refuse to send me any proof of contract with my S

ignature to verify it mine account. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts below to be verified with my signature or be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023 Bank of America notified me that my claim was overturned in my favor and that it was going to be paid in full. I understand that to be credited funds to my account on the basis that an error did occur and y funds will be reimbursed back to me accordingly. On XXXX XXXX I contact BOA asking why haven't I been credited my reimbursed funds yet. The response was that partial amounts were funded back and the rest should follow soon. Two days later no funds arrive. I contact BOA speaking to a supervisor which stated the bank will only pay or reimburse me partial amount and the merchant has already refunded the rest. I ask to pin point date and time in transaction history that the refund process or was transacted. They could determine exactly when or how it XXXX reimbursed just that it has been. Following up with a supervisor she informed me that on the same day I was notified that my dispute was won in my favor, that later on the same day was returned and claim was denied again, after notifying me I was to receive refund and won the dispute. I than proceed to request from the supervisor all documented conversation I myself and BOA have in history on record about this disputes. I was merely requesting a copy of all covered complaints that I have filed and record showing that they were being escalated to priority to be reviewed. I was told such a request isn't possible. I have in my record of history filed XXXX complaints against BOA dealing with policy and procedures and failure to conduct a proper investigation of these claims, and to provide substantial proof to evidently prove or influence the decision to simply deny my claims. I have submitted numerous documents which includes a fraud report from the FTC FEDERAL TRADE COMMISSION, XXXX CREDIT BUREAU XXXX INTERNAL REVENUE SERVICE IRS, CALIFORNIA DEPARTMENT OF CORRECTIONS, LEGAL REPORT FRO XXXX POLICE DEPARTMENT, COURT CREDITED DOCUMENTS AND OTHER DOCUMENTS TO SUPPORT THE BASIS AND TRUTH BEHIND MY CLAIM. I HAVE RECEIVED A PRINT out of transaction history which I've already had and a one page three sentence explanation that the cards used were authorized and activated with my credentials because they were mailed to the address on file and activated over a web portal. That doesn't seem exactly proof of any gravity to make a determine factor or decision when it was clear I had been a victim of true identity fraud. My claim has been denied, won, and denied numerous times without any proof. The funds stolen exceed XXXX us dollars and I'm seeking it all to be accounted for and refunded to me. Please review attached documents as partial evidence to support this complaint and my dispute claims with BOA.
Consumer complaint received 2024-08-29
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd (TX)

I moved money from my XXXX XXXX  to pay a contractor in XXXX. I currently have XXXX ( including a pending transfer ) pesos sitting in my Wise ( formerly TransferWise ) account. On Sunday I attempted to move a little money and it would not go through ( normally it happens in seconds. ) On Monday, I started contacting customer service at Wise and was getting the runaround. I cancelled some transfers and redid them, same situation. They currently have {$11000.00} ( USD ) of my money that they will not or can not release to me. Each time I contact customer service, I get a different answer. Im getting the strong feeling they are about to cease operations.
Consumer complaint received 2024-06-09
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. (CA)

XXXX XXXX appeared on my credit report I dont have a XXXX XXXX account so this is ckear identity theft. Iva alreaded disputed with XXXX submitted all supporting documents and it was blocked and deleted,
Consumer complaint received 2024-06-08
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. (GA)

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 2024-06-10
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. (MI)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-06-08
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. (WA)

I am submitting a report to challenge and investigate the wrongful reporting of these accounts on my credit file. The Fair Credit Report Act states I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's report.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed inaccuracies on my credit report to transunion, XXXX and XXXX  and they all failed to move forward with my dispute.
Consumer complaint received 2023-12-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: BROKER SOLUTIONS, INC. (CO)

New American Funding Mortgage company will not adhere to original fees quoted. We were scheduled to close XXXX XX/XX/23 because the seller had to complete some work because of the inspection we had to delay and now the mortgage lender wants me to pay more in points then they had previously disclosed. Please save yourselves a headache and use a different lender they are no good. Hard to deal with. Say they are their to protect you but really they just want more of your hard earned money.
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. (MI)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2023-09-19
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. (NC)

My name is XXXX XXXX Then 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 2024-06-10
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. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-12
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credence Resource Management, LLC (NC)

FIRST OF ALL, CREDENCE IS IN VIOLATION OF MULTIPLE LAWS! 
FDCPA SECTION 807 FALSE AND MISLEADING REPRESENTATION BECAUSE THEY ARE NOT AN ATTORNEY! 

IM NOT EVEN SURE HOW THEY EVEN " BOUGHT '' THIS DEBT BECAUSE IT DOESNT EVEN BELONG TO ME! EVEN IF IT WAS MY DEBT ITS STILL CONSIDERED " A CERTIFICATE OF INDEBTEDNESS '' WHICH IS ( INCOME ) AND CAN NOT BE REPORTED TO A CONSUMER REPORT! 

LASTLY, THEY ARE VIOLATING 15 USC 6802 Obligations with respect to disclosures of personal information. THAT DOESNT EVEN BELONG TO ME! SO NOT ONLY DOES IT NOT BELONG TO ME THEYRE POSTING IT TO MY CONSUMER REPORT WITHOUT MY PERMISSION! 

IM DEMANDING THIS BE DELETED IMMEDIATELY UPON RECEIPT!
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. (FL)

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