davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-01
Product: Credit reporting 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 a XXXX owner for the last 12 years, with multiple vehicles. When I first purchased my newest vehicle, the salesperson was supposed to enroll me in automatic payments, but he forgot to and when it came time to make a payment, it was never made and even though I made the late payment on the XXXX day, they said that they require payment be made on the XXXX day, one day before all other loan companies in the united states include the XXXX day, before sending credit agencies a 30 day late payment inquiry. XXXX is the only company in the United States that doesnt allow the XXXX day of the month to be included as a non late credit inquiry. If you make a payment on the day your payment is due, is it still considered a late payment. You must make your payment 1 day before your due date to be considered on time. This is against every credit agency I have ever dealth with in my life. Also, If you make a payment on day 30, they dont take the payment out of your checking account, until 5-7 days after your payment was made. When someone allocates money to an account for payment, taking the payment 7 days later may cause an account not to have sufficient funds since other payments from the account are taken automatically, and because of this I reciveed another 30 day late for the month of XXXX. Finally, Today, XX/XX/XXXX, I tried to make 2 Online payments, one payment I made on XX/XX/XXXX, but they didnt take the payment out until XX/XX/XXXX, and there was insufficient funds on that day because my mortgage gets taken out on the XXXX, and for a second payment for the current month, but the online service is not accepting my payments, and either is their phone system, and they are closed at XXXX XXXXXXXX XXXX XXXX on Friday XX/XX/XXXX. There is no possible way I can make my payments on time, Since monday is the XXXX of the month, the day my payment is due, they will consider this another late payment and affect my credit score again since paying on the day of my due date is considered late! Our cost of living has doubled in the last 3 years, and our income has stayed the same, they should have a little empathy for XXXX XXXX, but this company is the epitome of a socialist dictatorial entity, not capitalism. They should be banned from the united states of America. I will never purchase another vehicle from this company again even though I love their cars.
Consumer complaint received 2023-08-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am seeking your assistance in addressing an ongoing matter. Despite my attempts to address the issue privately with Capital One Auto Finance and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it is evident that their conduct and actions may be characterized as morally questionable and indicative of acting in bad faith. 

To provide context, I entered into a credit agreement on XX/XX/2023, and have engaged in multiple discussions with various representatives regarding both a billing discrepancy and the absence of comprehensive disclosures. My prompt outreach to the company was driven by a genuine intention to rectify the situation. 

Over the course of this period, I have issued more than six notices and initiated numerous phone calls in pursuit of resolving this aforementioned discrepancy. Regrettably, the company in question has failed to offer any meaningful assistance, consistently disseminating inaccurate information concerning the status of the account. 

On XX/XX/2023, I communicated with XXXX XXXX, acting as the CEO of XXXX XXXX XXXX XXXX XXXX ( trustee ), in an effort to facilitate the updating of records. Unfortunately, my plea was met with silence. 

Recently, I received a credit alert notifying me that the account has been charged off. The deliberate nature of this action suggests a deliberate intent to cause harm and represents a breach of trust. 

My determination to pursue rightful redress is unwavering, as this situation fundamentally pertains to trust. I implore your expeditious intervention in assisting me with the resolution of this pressing matter. Your prompt attention to this issue is earnestly requested.
Consumer complaint received 2024-05-29
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)

Your agency is in clear violation of federal law! 

15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent.

15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. 

DELETE this immediately!
Consumer complaint received 2024-05-29
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 XXXX5 USC 1681.

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-05-29
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. (OK)

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
Consumer complaint received 2024-05-29
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)

I have sent numerous letters to your bureau informing you that I am a victim of identity theft, yet my concerns remain unresolved. Once again, I am disputing the fraudulent information that is damaging my file. 
Despite submitting the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I have contacted the banks associated with these accounts, provided the necessary documents, and they have promptly deleted the accounts from their records. 

Additionally, other credit bureaus have already removed these accounts from their records following the submission of the FTC report. I am curious about the verification method your bureau used to justify continuing to report these fraudulent accounts. 
XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
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. (CA)

After examining my latest credit report, I've identified inconsistencies that demand urgent action, especially concerning this account : XXXX XXXX XXXXXXXX. 

The company has acknowledged this errors and committed to updating the status to open/never late. Other credit bureaus have already rectified the status of this account after the company acknowledged the inaccuracies.
Consumer complaint received 2024-05-29
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 submitting all required documentation and meticulously adhering to established procedures, it remains extremely troubling that this issue continues unresolved. This ongoing problem not only causes me considerable inconvenience but also erodes my trust in your organization 's ability to handle such matters efficiently and competently. It is unacceptable that, despite numerous efforts, the late open accounts are still unaddressed, which casts doubt on the accuracy and reliability of your record-keeping. I strongly urge you to treat this issue with the highest level of urgency and take immediate action to rectify the late open account entries in my record. Additionally, I expect regular updates on the progress being made in resolving this issue and seek just compensation for any damages or losses suffered due to this enduring mistake. I am thus requesting your help to correct these accounts in my credit file : XXXX  XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$360000.00}
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I asked for my crEdit score, they said to me I'd have to pay for a refresh, oh gee I thought it was free, just a simple plea I just want to know my score, can't you see?
Consumer complaint received 2024-05-29
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-05-29
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. (MI)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-29
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. (MI)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-05-29
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)

Per the Fair Credit Report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 604 A Section 2 States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 section 602 A also states I have a right to privacy.

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 2018-11-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: AMERICAN EXPRESS COMPANY (PR)

AMEX will not provide me the truth in lending documents I signed to initiate the loan. I need these for a mortgage I am closing on. They claimed they are available on the online access through the home page of the loan ( in the top right corner select this account ), middle of the page " view loan documents '' and then it should be an option there. It is not. They do not believe me it is not there, and I have offered to give them my log in, and check for themselves. I also requested an email I can forward a screen shot or a video of me going to that location and the documents not being there. 

I requested by chat and phone that the truth in lending documents simply be emailed to me. I was first told no, that is against policy. Then, I was told they would check with the manager and get them to me. This was several weeks ago and they still have not got them to me. I have used every single link online. It simply does not work. 

I need these sent to me electronically by email ASAP. Or the loan needs to be forgiven.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (CA)

I have an account with Juno, which is partnered with XXXX, XXXX XXXX # XXXX. I am currently unable to access any of my funds either through cards ( credit/debit ) or through XXXX transfers. This was my primary bank, so this has completely disrupted my ability to pay for my day-to-day bills and expenses. I am asking that the XXXX do everything in their power to re-enable access to mine and all other XXXX customer accounts ASAP.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. So I'd like you to update and correct the status of my accounts as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
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)

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC. (PR)

XXXX XXXX ( XXXX XXXX with HSBC Bank ) sued me for an old debt that I didn't know I could dispute and requested payment of exempt funds ( Unemployment Insurance of the State of NJ ) for approximately {$1000.00}.

It seems to be a fraud among HSBC, their representatives, XXXX XXXX and their people.

This is not a duplicate. My problem had never been solved.
Consumer complaint received 2024-05-29
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. (IN)

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 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is my another attempt to dispute the items in my credit file which resulted from an alleged fraudulent activity. Again, Im sending over a new Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged fraudulent activity. I do not consent to E-OSCAR or any means of automated verification : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed XXXX {$3100.00} -- -- -- -- -- TransUnion : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX Owed : {$3100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-29
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. (GA)

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 2024-05-29
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX