davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX has reported late payments for XX/XX/year> and XX/XX/year>. 
These entries are both unauthorized and inaccurate, and I am requesting their immediate removal from my credit report. 

**Inaccuracies and Legal Violations : ** 1. **Absence of Explicit Consent for Credit Reporting : ** The auto loan agreement with XXXX XXXX XXXX XXXX does not contain any explicit provision or clause granting XXXX XXXX the authority to report my payment history to credit bureaus. The contract only specifies my obligation to repay the loan and the consequences of default, such as repossession of the vehicle. This omission is misleading and deceptive. Reporting this late payment without clear, explicit consent is both unauthorized and unethical. 

2. **Fair Credit Reporting Act ( FCRA ) Compliance : ** Section 623 ( a ) of the Fair Credit Reporting Act ( FCRA ) requires furnishers of information, such as XXXX  XXXX XXXX XXXX , to report accurate and complete information to credit reporting agencies. The presence of this inaccurate late payment on my credit report is a clear violation of the FCRA, as it misrepresents the actual status of my account. 

3. **Unethical and Misleading Practices : ** Reporting this late payment without my explicit consent significantly impacts my creditworthiness, which is unethical and misleading. It fails to provide a fair and accurate representation of my credit history and violates the principles of honest and transparent credit reporting.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

the accounts on the form are fraudulent and I am requesting immediate permanent removal of these account these accounts opened while i was incarcerated in XXXX XXXX XXXX. you can even call the XXXX XXXX sheriffs office to verify and please remove these accounts unless you have proof to not to and if you do have proof i request that you send it to me. documents are attached. 
XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX opened on XX/XX/XXXX I REQUEST THESE ACCOUNTS TO BE PERMANETELY REMOVED IMMEDIATLY i have provided substantial proof failure to delete the items i would have to file a lawsuit
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (MD)

I have spoken to Truist bank 10 times since XX/XX/XXXX to close a credit card account. The credit card account, which I never even requested nor knew existed, had fraud activities starting in XX/XX/XXXX. I immediately alerted them and they opened a claim. 

On XX/XX/XXXX, they sent me a letter that the disputed transactions as well as any accrued fianance charges and fees would be removed from the credit card balance. They also stated that at my request the credit card account was closed. However, every single month since then - XXXX, XXXX, XXXX, XXXX, XXXX and XXXX- I have been charged a late payment and interest fees- and each month I have had to call to reverse those charges and ask again to close the account. As a result, I've now also been informed by another financial institution that they are closing my account because my credit rating is showing a serious delinquency due to Truist 's negligence. 

I spoke to them today ( XX/XX/XXXX ) for the 3rd time this month. They insist that the account is closed but they can not answer my question each month that if that is the case, then why do they keep charging me late and interest fees that is also destroying my credit rating? Today, they were unable to connect me to a supervisor and said that someone would call me back within one day. I have been told that each month for 6 months and no one from Truist has ever called me back. This is serious delinquency on the part of Truist that is destroying my credit rating, including negatively impacting XXXX children 's college loans and home buying retirement plans. Not to mention that this entire groundhog day experience has been incredibly frustrating and frankly ridiculous. Truist does not have its act together and I will be moving banks as soon as this is resolved.
Consumer complaint received 2024-05-16
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. (MS)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (KS)

I have already reported this company to the XXXX XXXX XXXX. And now I am reporting them to you all because they are trying to pin some erroneous debt on me saying I owe some membership to some gym, which I DO NOT OWE WHATSOEVER.!!!! They sent me a copy of the forms and they said they have a copy of my license.to which they showed an old license of mine that I havent seen for yearsnot only that Ive told them this account is fraudulent and they told me to provide an identity theft report to them, but never said where to send it. Im so sick of this company as I have read multiple reviews about their tactics and bad practices and this just confirms it. STOP TRYING TO OIN THIS FAKE DEBT ON ME!!!!! AND NEVER REPORT IT TO ANY OF THE CREDIT BUREAUS OR YOU WILL BE SUED TO THE HIGHEST EXTENT ALLOWED BY THE LAW.!!!
Consumer complaint received 2024-05-16
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my TRANSUNION credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-16
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. (MA)

In accordance with the Fair Credit Reporting ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

XXXX  has violated my rights on XX/XX/XXXX. 
XXXX XXXX has violated my rights on XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX has violated my rights on XX/XX/XXXX. 


15 U.S.C 1681 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 make 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 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.

15 U.S.C 1681 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 make 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 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. Delete account immediately.
Consumer complaint received 2024-05-16
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)

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 informationisinaccurate.
Consumer complaint received 2024-05-16
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. (NJ)

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updited as charged off every month. 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 faled to investigate this account property after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE FOLLOWING COMPANIES HAVE PLACED AN INQUIRY ON MY CREDIT WITHOUT MY PERMISSION OR WRITTEN CONSENT. THEY NEED TO BE REMOVED ASAP AND CONTACT ALL CREDIT AGENCIES AND HAVE THEM REMOVED FROM MY FILE ASAP XXXX XXXX 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 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ensuring timely payments on this account has been a priority for me, always avoiding overdue payments. However, I'm puzzled by reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, this should be addressed.
Consumer complaint received 2019-08-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Since the beginning of XXXX, I have been trying to get the collection account that is inaccurately removed from my credit report. I have sent out a letter over and over asking for these accounts to be removed because they are inaccurate. My credit is being damaged and my credibility to establish new credit is being hindered.
Consumer complaint received 2024-08-28
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC (MD)

Shellpoint Mortgage incorrectly and grievously submitted to all the credit bureaus that I was late paying my mortgage payments in XXXX and XXXX of XXXX  as a result substantially lowering my credit score. Shellpoint Mortgage reported that I was late on my mortgage payments in XXXX and XXXX of XXXX. I have called 2x and was told that they would remedy the situation, because it was their fault. The did this with XXXX but not with XXXX or XXXX. I submitted a dispute with XXXX and XXXX told me when they spoke to Shellpoint they told them that my dispute was incorrect and that I was late with my mortgage even though I was told by Shellpoint that they knew they made the mistake and that they would rectify it. I don't appreciate being lied to by Shellpoint when they said they would take care of this credit reporting mess, I don't appreciate having to take time in my busy day to have to call them 3x to try to get this sorted. And I really don't like that they hosed over my credit score due to there negligence and are not fixing their mistake. 

I was unaware that there was an increase in my home owners insurance and a change in my escrow, changing my mortgage payment amount. Shellpoint claims that they sent out a updated escrow analysis in XXXX of XXXX. Attached is a document that Shellpoint sent me today that proves that they sent the XX/XX/2024 document - notification of the change to my monthly payment to the WRONG address ( XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ) instead of the XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX address where the property is located. Because of this error I did not know that the amount of the monthly mortgage payment had changed until I spoke them in late XXXX. This attached pdf also states that Shellpoint did receive the {$1500.00} payments for XXXX and XXXX on-time but they chose not to deposit those payment until much later. 

I can not and should not be responsible for Shellpoint 's errors, and with no knowledge of the new mortgage amount or control as to if or when they are depositing the mortgage payments I made ( on-time ) and therefore should not be penalized by Shellpoint 's claim that my mortgage payments were not made on time that has been reported to the credit bureaus. 

Also attached is my online bank transaction log showing the mortgage payment in question sent to Shellpoint on-time, and a statement showing how long it took for Shellpoint to actually deposits those same payments.
Consumer complaint received 2024-05-16
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)

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 2024-08-27
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Harpeth Financial Services, LLC (MS)

On XX/XX/year>, I received a document from Advance Financial 24/7 stating that I was pre-qualified for a line of credit of up to {$4000.00}. They expressed that I was XXXX of the XXXX people in XXXX XXXX who have been pre-qualified for a CC Flow Line of Credit. This statement by itself gave me the impression that I was receiving a benefit that some of the other neighbors in my area. I recognized the clear discrimination against the other people in my local area. Although I was told that I was pre-qualified, I still got denied. After filling out the application that was required before I could receive the line of credit, on the preceding page I received a message that stated " Application denied '' " Regretfully, we are not able to approve your loan request at this time. They also placed a hard inquiry on my credit without my express written consent.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (AL)

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm continuously having issues with Transunion and XXXX removing inquiries that they're inaccurately reporting. I've going back and forth with them about inaccuracies they're reporting and am fully aware of they're violation of my consumer rights. These fraudulent and predatory practices are a hinderance to my credit worthiness and outright wrong.