davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a client for XXXX XXXX for several years with excellent on time payment history. However, after reviewing my credit report I've noticed late payments reportedXX/XX/XXXX, and XX/XX/XXXX I send all payments in a timely manner, not sure why the payments were not recorded on my account by the due date. I tried to resolve this issue with the company, but they refuse to help although as a consumer I feel my rights were violated. 
15 U.S. Code 1666b - Timing of payments ( 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. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.
Consumer complaint received 2024-01-25
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. (TX)

In accordance with the Fair Credit Reporting Act, Attorney General XXXX XXXX XXXX  # XXXX, Attorney General XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX account # xxxxxxXXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. Under XXXX5 U.S.C. Code 6802b states a consumer reporting agency can not service the consumers account with a financial institution and to protect the confidentiality or security of the financial institution records pertaining to the consumer.
Consumer complaint received 2024-05-08
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. (FL)

This account was charged off on the following date ( XXXX, 2018 ) Since then the account has repeatedly been updated as charged off every month. It also has random Data no available and random payment history.This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name - XXXX XXXX Account Number- XXXX
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

XX/XX/2022 Credit Card with XXXX XXXX 's was paid to a XXXX balance and account was closed by the order of the owner. While I was in debt consolidation XXXX XXXX XXXX XXXX XXXX agree with XXXX XXXX debt consolidation company to take payments on credit card that was already paid and closed with a XXXX balance. I tried to contact XXXX XXXX in regards to matter, they never would give me an answer. In retaliation for finding their fault, XXXX XXXX 's now are reporting late payments on my credit report. When I spoke with XXXX ( agent ) from XXXX XXXX call reference # XXXX he agreed that the credit card was totally paid off with a XXXX balance/and closed. XXXX could not confirm why XXXX XXXX would cut a deal with XXXX XXXX to consolidate the debt.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc. (AZ)

They froze my card XXXX different times with no explanation except suspected fraud. They didn't explain how they came to that conclusion. I talked to XXXX different customer service people neither of which spoke XXXX very well. Both wouldn't stop talking long enough for me to ask them questions. I ended up closing the card and account because they'll charge me an annual fee and I can't even use the card.
Consumer complaint received 2024-01-24
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)

I am writing to address a serious matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) concerning the reporting of account XXXX. It has come to my attention that your company has reported inaccurate information to the credit reporting agencies, which is a direct violation of my consumer rights. 

The account in question was paid in full in XXXX, and it is erroneous that XXXX XXXX is reporting the date last active as XXXX. This discrepancy misrepresents the accurate information regarding the account status and activity. 

Furthermore, there was a prior agreement that this account would be removed from my credit report upon payment. Despite this agreement, the company has failed to uphold its commitment, resulting in a direct violation of my rights to have a fair and accurate credit report. Lastly this company is nonexistent, so there is no way that you could have verified this information. I have called the number provided and googled the address and the company is XXXX XXXX, so XXXX and Transunion are reporting inaccurate information. 

I am formally demanding the immediate removal of account XXXX from my credit report. This removal should be completed within 30 days from the receipt of this letter to avoid further legal action. It is imperative that your company rectifies this situation promptly to ensure compliance with the FCRA. 

Please consider this letter as an official notice of my intent to pursue legal action if the requested removal is not executed within the specified timeframe. I trust that you will take this matter seriously and take the necessary steps to address this issue promptly and effectively.
Consumer complaint received 2024-05-08
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-05-08
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. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-01-24
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. (AR)

Name on account was wrong birthday and SSN were correct, but information was stolen and charged when I was not the one to do so. 

Company was called multiple times and sent me to collections for an amount that I did not owe, after calling and speaking to them multiple times, they told me they would close the account in XXXX of XXXX. The account went into review and they said it would be 60 days and that a letter would be mailed out stating the account on my credit report may not be mine and was under investigation so that I could get a loan I was needing. The letter has not made it here and it has now been over 20 days since I requested it. They stated they were not able to send a digital copy even though the XXXX call was the third one to the company. 

Company has still not contacted me, but has convinced the TransUnion credit bureau of the accuracy of the account, even with the internal investigation of their own still pending. 

XXXX Credit bureau was able to take the charge off status off of my report, but it seems there needs to be more information sent to TransUnion, although I can not provide it because the company has not sent me any information on it and the National Identity Theft Reporter is not enough for TransUnion, or XXXX XXXX.
Consumer complaint received 2024-05-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: VANDERBILT MORTGAGE & FINANCE, INC (VA)

Vanderbilt Mortgage sold me mobile home under false pretense stating home was XXXX long when in fact it is only XXXX long and they refuse to make things right with me I was ripped off XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Loan # XXXX Current balance payoff {$1100.00} VANDERBILT MORTGAGE, I am writing to inform you that this XXXX XXXX XXXX home you sold me is actually XXXX foot long without the hitch the contract says it is XXXX foot long so you sold me a home under false pretense I am asking that you waive the remaining balance you say I owe to payoff this loan and release your lien and send me the title company have already consulted an attorney in regards to this matter this is a legal issue that you sold me a mobile home under the false pretense that it was XXXX foot long. The difference in the contract and the actual size of the mobile home decreases its value because the square footage is smaller the home is only valued at {$6800.00}. Please make a trip to XXXX and meet with me and measure this mobile home and you will see that it indeed is NOT the size or square footage that you led me to believe and you presented to me. I am not asking for anything unreasonable I am trying to be fair but I deserve to be treated fair in this situation please consider the {$7500.00} I paid on XX/XX/XXXX settlement in full. 

Yours Truly XXXX XXXX
Consumer complaint received 2024-05-05
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. (PA)

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 U.S.C 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1682 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 of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or had reasonable cause to believe the information is inaccurate
Consumer complaint received 2024-01-24
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)

Im really disappoint in how Ive been treated on XXXX XXXX XXXX end throughout this process and this is affecting me and my familys life drastically I reached out on XX/XX/2024 CFPB complaint ID XXXX regarding a original contract for this debt signed by all parties and still havent received it you stated you put the account on hold until it is verified and it is still showing on my credit profile this is in clear violation under The Fair Credit Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 i ) promptly notify the furnisher of that information that the information has been modified ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 
and XXXX XXXX XXXX has done nothing righteous this is unfair and if they are doing this to me imagine who else they are doing this too.Can you please fix it.
Consumer complaint received 2024-05-08
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. (NJ)

I am writing to formally demand the immediate removal of specific items listed on my consumer credit report, as they are infringing on federally protected trademark rights. It has come to my attention that the negatively impacting accounts your company is erroneously reporting are being reported without proper authorization, consent, or licensing. 

The name on those accounts is a federally registered trademark, protected under the XXXX XXXX XXXXXXXX and XXXX XXXX ( XXXX ), under the serial number XXXX. The presence of this name on my credit report, associated with negatively impacting items, constitutes a misuse of this trademark. Such actions are not only misleading but also illegal as they violate federal trademark laws including the XXXX XXXX, which prohibits unauthorized use of a registered trademark in a manner likely to cause confusion, deception, or mistake ( 15 U.S.C. 1114 ).

Please be advised that the continued use of this trademark or any similar markings without explicit permission from the trademark holder constitutes an infringement of trademark rights. Failure to remove these inaccuracies from my credit report will compel me to pursue all legal remedies available under the law. This may include, but is not limited to, seeking monetary damages for defamation and further misuse of the trademark as per established precedents like XXXX XXXX v. XXXX XXXX, 599 F.2d 341 ( 9th Cir. 1979 ), where unauthorized use of a trademark was held as grounds for trademark infringement and associated damages. 

I trust that you will treat this matter with the urgency and seriousness it warrants. Please ensure that these items are removed from my credit report within 30 days from the date of this notice, as prescribed by the Fair Credit Reporting Act ( FCRA ). 

Should this matter not be resolved promptly and according to the legal stipulations mentioned, I will have no option but to seek legal recourse to protect my rights and recover damages for any harm caused by this infringement. 

I expect to receive a written confirmation from your agency within XXXX ( XXXX ) business days regarding the initiation of the items ' removal. 

Thank you for your immediate attention to this serious issue.
Consumer complaint received 2023-08-09
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-01-25
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to formally dispute a discrepancy regarding my real estate loan with XXXX Mortgage. According to my credit report, there is a missed payment erroneously recorded in XX/XX/year>. I wish to bring to your attention that this discrepancy was addressed during the COVID-19 pandemic grievance period, during which I received written assurance that the credit report error would be promptly rectified. 

Despite assurances, as of today, the erroneous late payment remains unremedied. Consequently, I am seeking an immediate resolution to this matter. Specifically, I request the immediate removal of the late payment from my credit report and the correction of this error with all XXXX major credit reporting agencies. 

Your prompt attention to this matter is greatly appreciated, and I trust that this issue will be resolved expeditiously.
Consumer complaint received 2024-07-02
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. (IL)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-01-24
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. (PA)

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 XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX  has violated my rights. Or list of inquiries 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 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

Hello I was charged {$6.00} for a XXXX purchase that I didn't make in XX/XX/XXXX and XXXX, they reimbursed me for XXXX and did not reimburse me for XXXX. Venmo is suppose to drop this reoccurring charge because I never made it, and XXXX has no idea where the fee is being charged. I continue to make complaints about this and absolutely nothing is being done about it. Why isn't Venmo being held accountable for continuing to allow these fees to be charged. A representative from XXXX tried to figure out where the transaction was coming from and he couldn't find it and he emailed me an email to send to Venmo which I did that states that they can remove the reoccurring fee. Yet they do not. They continue to charge me since XXXX.
Consumer complaint received 2024-09-11
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: TRUIST FINANCIAL CORPORATION (GA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-05-08
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. (MS)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.