davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Under FCRA 605B, it is mandatory to remove any incorrect accounts from my credit report. This account has been reported inaccurately ; therefore, please delete it from my credit file. I am owed {$1000.00} for each incorrect entry on my credit report.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in XXXX XXXX XXXX. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-03
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. (WA)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
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: Experian Information Solutions Inc. (NJ)

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.
Consumer complaint received 2024-05-23
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 persistent issue regarding inaccuracies on my credit report.

Despite multiple attempts to rectify these inaccuracies by sending dispute letters in accordance with the law, the negative items remain unchanged. This situation is deeply concerning and has significant implications for my financial standing.

I want to reiterate my rights under the Fair Credit Reporting Act, which mandates that credit reporting agencies promptly investigate disputed items and correct any inaccuracies found. It is frustrating to see that despite my compliance with the FCRA, the inaccuracies on my credit report persist.

I urge you to conduct a thorough review of my dispute letters and take immediate action to rectify the errors on my credit report. Your prompt attention to this matter is crucial in ensuring that my rights under the FCRA are upheld and that the integrity of my credit report is restored.

Please provide me with an update on the status of the investigation and the actions taken to address the inaccuracies. I appreciate your cooperation in resolving this matter promptly and look forward to a swift resolution. 

Thank you for your attention to this important issue.
Consumer complaint received 2023-04-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8500.00}
Consumer complaint received 2024-05-24
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Was basically scammed by someone they did their investigation twice and then send a letter saying I benefited from this fraudulent deposits with no proof sent to me showing I benefited from this XXXX they closed the checking account and took {$4000.00} from my savings account to cover the account they closed I want my money back and I want proof that I benefited from all this fraudulent XXXX if not Ill will seek legal advice
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (GA)

My payment was returned due to a bank error concerning an extended hold on certified funds due to a system error. My bank ( XXXX ) has acknowledged this and refunded the fees associated with the mistake but I still incurred a late payment from my lender. This is unfair and not my fault. This needs to be corrected immediately. This has cause me great stress.
Consumer complaint received 2024-05-24
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. (NY)

PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (GA)

I was laid off from my employer on XX/XX/2023. I contacted MoneyLion regarding my loan payment to request a deferment for the upcoming payment. This is also my 4th loan with this company, so this is not the first time I have deferred a payment. I was never informed of any change in their policy ; hence, I expected my account to be automatically drafted after this deferred payment. This was the case with all 3 loans, as I have faced layoffs during the turbulent mortgage industry staffing cuts. 

In XXXX, I received notification of my credit score dropping. From XX/XX/2023 to XX/XX/2023, I have received notifications of my credit score dropping a total of XXXX point due to this one account. I contacted MoneyLion and told a complete lie. In the attached email, the representative states that I had the ACH access cut off, which was never the case. In addition, she states that I was told I would need to restart the payments. THIS IS A BLATANT LIE. I have never had to contact the company to restart the payments. I also advised them to restart the payments when we spoke in XXXX. The company has made no attempt to draft my account. The account continues to spiral downward and have a tremendously negative impact on my credit. 

In addition to this, I have contacted the Department of Bank ing and Finance and it is my understanding that they are working diligently to bar this company and companies like it from doing business in Georgia, as they are considered " payday loans. '' Duwe to my limited credit, I have used this company because it reports to the credit bureaus, and I saw an increase in my score. However, they are ruining my credit and will not stop digging me or collecting the payments. It is total insanity. 

Lastly, I have had to make a consumer dispute regarding their report on my credit previously and it took months. I am attempting to find an apartment and I need them to correct this asap.
Consumer complaint received 2023-04-10
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. (OH)

I requested all 3 credit report bureaus to put a credit freeze on my credit report back in XXXX. My phone numbers have been on the DONOT CALL List since XXXX. I have been getting spam calls since XXXX. The past year, I have been politely conversing with these perpetrators to find out why they are refusing to oblige by the DONOT Call List and how they are getting my phone number and personal information. Several of these perpetrators told me they are getting it from TransUnion and especially from XXXX. Also, these spammers are 3rd party and when I would say, yes let me talk to an agent, they patch me directly to the company really selling the product. So, these legitimate companies : XXXX, XXXX XXXX Medicare Benefits , etc are using a 3rd party to get people like me to talk to them. I contacted both XXXX. I have 3 different PIN numbers from XXXX, and they told me the pins are wrong. My password questions are incorrect according to them.. I contacted TransUnion and they played the same game. They do not recognize my pin number from XXXX and my answers to their security questions were incorrect. ( I think I know my own security questions since i selected them ). Now TransUnion billed me for {$29.00} for their Identity Theft. I never placed an order!
Consumer complaint received 2024-05-23
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. (AL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2018-05-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

After reviewing my credit report i found that they had picked up 2 accounts from XXXX XXXX that were opened in XX/XX/XXXX. They have reported the debt on both opened XX/XX/XXXX. Both of these have exceeded their statute of limitations. I tried to talk to them on the phone but they have threatened legal action up to and including being put in jail. I ask that they cease and decist and remove the remarks from my credit reports as well as receive payment for the maximum amount allowed by law for punitive damages.
Consumer complaint received 2024-05-23
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. (MI)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-24
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. (FL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc. (GA)

The following inquiers are reporting unauthorized on my report. I recently was apart of the data breach i have reached out to all 3 bureaus on several occasions and XXXX is the only one with no help. I didnt authorize the pull of my credit from any of these companies listed below Santander Consumer-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX
Consumer complaint received 2018-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

on XX/XX/XXXX I made a payment. I expected the payment to be applied to my balance with a 0 % APR that expires on XX/XX/XXXX. At the time, I had three promotional balances. One at 0 % APR expiring on XX/XX/XXXX, one at 0 % APR expiring on XX/XX/XXXX, and one at 3.99 % expiring on XX/XX/XXXX. 

I expected my payment on XX/XX/XXXX of {$3300.00} to go towards the promotional rate expiring on XXXX XXXX, XXXX. But it was instead applied towards the balance with a 3.99 % rate. I called Sears credit card customer service, and they informed me that the payment is always applied towards the highest interest rate. So I did research, and I found several articles stating that the CARD Act requires payments to be applied to the highest APR first, then towards the remaining balances. But I read that the last two payment before the expiration of the promotional rate would be applied to the expiring balance. 

So on XX/XX/XXXX I made a payment {$3300.00} expecting the payment applied towards the promotional rate expiring on XX/XX/XXXX. But when the payment was applied, it went towards the promotional rate expiring on XX/XX/XXXX. 

I again called Sears Customer service, credit card is issued by Citi Bank, and again the representative told me the payment is applied towards the highest interest rate first. I was unhappy, and I requested to speak with a manager. The manager came on the line and I explained that I wanted to apply my last payment towards the expiring promotional balance. The manager, told me the same thing that the payment is applied to the highest rate due to the law. He said my balance was not a promotional balance, but a balance transfer, so the payment would apply to the highest APR balance. He kept emphasizing that I had balance transfers and not a promotional balance. But when I check my account online, it is clearly described as a promotional balance. 

By not applying it towards the expiring APR balance, the interest rate will jump to the standard interest rate will be 26.74 %. The manager explained that I could have waiting for the expiration date to pass and then my payments would have been applied to the balances I wanted. But this is not right. I want to apply the payments to the expiring promotional balances. 

I've recorded the call, and I have screen captures of my account clearly stating that these are promotional balances. 

I have already informed the manager that I will pay off the balance and cancel the credit card.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

RE : Warning to Remove Incorrect Items from my Credit Report Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law.

I contacted the court, and their response is enclosed. 

It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately.

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2024-04-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

In XX/XX/XXXX, I purchased a car from XXXX XXXX with a car loan from XXXX XXXX In summer XXXX, I paid off the loan from my personal checking account at Webster Bank. In XX/XX/XXXX I contacted XXXX in XXXX to get a copy of the title for this car. XXXX stated that there was a lien on the car. XXXX XXXX ( XXXX XXXX XXXX ) said that they had received the payment in full in XXXX, but that the XXXX XXXX Webster Bank " looked like a refinance. '' They stated that they had contacted Webster at that time for confirmation that it was not a refinance. They said that Webster had not responded. They said that they would release the lien if I would " fax a letter from Webster to me '' saying that " Webster has no interest in the vehicle. '' Webster Customer Service, my Webster branch have not be able to supply this letter ... although Webster has never provided car loans.
Consumer complaint received 2024-05-23
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 recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payments on an XXXX XXXX account : XXXX that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/2023 and XX/XX/2023 I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.