davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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: Advantage Credit, Inc. (NY)

ON Saturday XX/XX/year> I had a conversation with XXXX XXXX about a mortgage. Our conversation specifically included me asking if he was going to do a " soft pull '' or a " hard pull '' on my credit. I am not ready for a " hard Pull '' and I am only in the exploring stage of buying a home. I explained why I do not want a hard pull done on my credit. He assured me he was not doing a hard pull. 
I received notice from XXXX via Text App that a hard inquiry was done on my credit file on XX/XX/year>. I reached out to XXXX XXXX in a text to verify he did a " soft Pull '' which he confirmed with me, at this time, he did a " soft pull '' and he said " I did a soft pull, but XXXX and XXXX sometimes report it as a hard pull on the apps. '' I waited a few weeks and this information did not change. I contacted XXXX directly and spoke with them in which they confirmed it was a hard pull and told me I would have to dispute it with Advantage Credit and request a letter of Deletion. 
On XX/XX/year> I reached out to Advantage Credit and explained that I did not consent to a " hard Pull '' on my credit. The woman guided me to the online complaint form and credit file number to enter. The next day XXXX XXXX contacted me regarding my loan application question and about an email he received that morning about my dispute. I explained to him that it was not a soft pull and I expect him to make this right. He symapthised with my position and explained that the report is good for 45 days and he wont need to pull it again. also if I wanted to shop around for better rates that his are the best. I told him point blank that I am not sure how or what he needs to do to respond, but the report is inaccurate and he needs to do the right thing. I am not sure if I will find a home in 45 days and I don't want to keep pulling my credit until I am ready to move forward with a mortgage. 
To my surprise, I received a response on XX/XX/year> by mail dated XX/XX/year> from Advantage Credit. In their response they concluded that I consented online to run my credit on behalf of XXXX XXXX  and I should contact them. They left no other options for me to dispute, again their findings. They included XXXX XXXX response but no evidence I ever consented. 
ON XX/XX/year> I tried to reach out to Advantage Credit and was told I have to email them. So I emailed them my disappointment and will be forwarding this poor business practice on to the CFPB. I have included all this information. When you use a third party servicer like Advantage Credit, that does not shield you from better business practices and following the laws.
Consumer complaint received 2024-08-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Profit Recovery, Inc., Marlborough, MA Branch (LA)

This is a false claim. I paid this in full when work was completed! I will attach invoices and check ( deposited by XXXX XXXX ) for your review. 

After XXXX XXXX in XX/XX/XXXX, I received a quote from XXXX XXXX for XXXX doors, motors, outside keypad, install and haul away old doors for {$2400.00}. Icould not get areturn phone cal for months to place my order and by the time Iwas ableot speak ot anyone the prices had increased I ( also upgraded the door color/ style and added amotor ) to {$3900.00}. Iagreed to pay the increased prices and Iplaced a 50 % deposit of {$1900.00}. Iwas told these doors were on backorder and would take 3 months to come in. These doors were cancelled by XXXX XXXX 3 times. No reason, no communication, no refund- just canceled and no reasons were given. I learned of this information when Icalled in to check status- AL THREE TIMES and al three times the doors were reordered! Atlas, the doors came in and were installed around XX/XX/XXXX. The installer had to come back to make adjustments and finish the job, but this never happened. XXXX started sending bills to the house around XX/XX/XXXX. Ispoke with XXXX, the owner, Iexpressed my troubles and told him would gladly pay the balance when they came back and finished the work and he agreed to a {$500.00} discount for my troubles. 
The job was completed XX/XX/XXXX and the agreed to balance was paid ni full in the amount of {$1500.00}. 
XX/XX/XXXX| reported to the credit bureaus by XXXX XXXX for the amount due {$1900.00}. I spoke t o the creditor, American Profit Recovery, they referred me to XXXX XXXX. Ispoke with XXXX at XXXX XXXX and he assured me my account was paid in full and he would send an email to the creditors, It has been over a month and this collection is still showing on my credit report. Ihave disputed it with the credit bureau, XXXX, but the dispute did not come back in my favor.
Consumer complaint received 2024-05-22
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)

Ive never had a contract with this company XXXX XXXX XXXX XXXX account : XXXX Delete immediately I demand that you cease all collection activities regarding this debt and delete any adverse reporting to any consumer reporting agency or I'll report your actions to the State Attorney Generals office and the department who licenses debt collection companies in my state. 
Please send a letter stating that you will delete and stop reporting adverse information to any and all consumer reporting company and comply with my demands. 
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, sending generic billing statements is not proof but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
Consumer complaint received 2024-05-22
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. (WA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-05-22
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-21
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. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-11-07
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. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute of late payment on Account I understand that according to the federal law 15 U.S. code 1666b ( a ), a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose. In response 15 usc 1681 a ( 2 ) ( b ) permissible purposese on consumer reports. In accordance with the written instructions of the consumer to whom it relates Please remove this creditor has violated my rights please remove late payment
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I started the case XXXX. 
YOUR COMPLAINT I would like to report how US bank is cheating clients. It was advertisement that U.S. Bank will give you up to a {$600.00} cash bonus when you open a U.S. Bank Smartly Checking account, enroll in online banking or the U.S. Bank mobile app, and complete 2 or more direct deposits totaling {$3000.00} or more for the {$200.00} bonus, {$6000.00} or more for the {$400.00} bonus. By the way advertisement is still on the web. I followed the bank link with promised promotion, opened a checking account on XX/XX/2022 and set up a direct deposit for a total like XXXX for the first couple months. Then I figured out that I got no bonus for this. I started to call a bank and customer service representatives that I talked with told me that I am eligible and will get it soon. Last call I talked to XXXX and he spent a lot of time trying to figure out what had happened. I said that I would complain about bank cheating and He escalated this to the next level and said to me that somebody will be in contact soon. A few days later XXXX called me and said that I was supposed to have a special invitation for this bonus. This is a clear way of cheating. I followed the link, opened all required actions and the bank in XXXX said you have no invitation for a getting bonus. What is even more ridiculous is that I called like 3 times and nobody told me that. I consider that I did everything according to the procedure described in the advertisement. The bank cheating practice is not following the link of the opening account with the promotion bonus. I claim that the bonus should be paid as it was promised. 

The response i got is just confirmation of the scam that bank does. Here is my answer and i am looking the way to escalate the issue : Thank you for your response but you answer confirms that you are cheating clients. How could I possibly know that without an invitation letter the offer would not be valid. Moreover, I called much earlier several times, and nobody told me that. So, I would like to escalate this for the next level. I would like to report to CFPB that the Bank practice is a scam, completely unappropriated and not transparent. I believe that happened to many clients that follow your promise. They make advertisement and do not follow the rule they promise to. This is typical scam, and I will be complaining again. Such practice should be stopped because I see there a lot of advertisement of this type from US bank.
Consumer complaint received 2023-05-04
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. (TX)

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

XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXC XXXX, XXXX : XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 

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 2024-05-21
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 have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2A1. 
( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term " consumer report '' does not Include ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report. XXXX is in violation. Payment History is an experience with the line of credit that was extended between the consumer ( ME ) and the persons ( XXXX XXXX and XXXX making the report. I demand the illegal reporting of these accounts # XXXX, # XXXX and XXXX account deleted from my report. Failure to respond satisfactorily immediately with deletion of the above accounts, will result in legal actions being taken against XXXX for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Inability to obtain a business 6. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-05-21
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX Dear TransUnion, I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ) in response to the inclusion of an inaccurate and unverifiable tradeline on my credit report. The tradeline in question pertains to an account with XXXX XXXX XXXX XXXX, a company with which I have never had any business relationship. 

This erroneous entry on my credit report not only violates the FCRA but also contravenes consumer protection laws, specifically 15 U.S.C. 1692c and 18 U.S.C. 1028 ( a ), which explicitly prohibit the inclusion of unverifiable information and information obtained through aggravated identity theft on consumer reports. 

I wish to emphasize that I have never engaged in any transactions with XXXX XXXX XXXX XXXX, nor do I possess any knowledge of how they obtained my personal information. The presence of this unverifiable and inaccurate information on my credit report has severely hindered my ability to access credit and other financial services. 

In accordance with my rights under the FCRA, I demand that TransUnion promptly initiate an investigation into this matter and expeditiously remove the inaccurate tradeline from my credit report. I require documentation verifying the information attributed to XXXX XXXX XXXX XXXX within 30 days of the receipt of this letter. Should TransUnion fail to verify the accuracy of this information, it must be promptly removed from my credit report. 

It is imperative to note that I have previously requested verification from XXXX XXXX XXXX XXXX, who provided only copies of bills, failing to furnish the original application and the original address associated with the application at the time of submission. Furthermore, I have been a victim of identity theft and have duly informed all four consumer reporting agencies of this fact. 

Given the repeated disputes I have lodged regarding this account and the failure to provide adequate verification, I insist that TransUnion remove this account from my credit report within 15 days. Failure to comply with this demand will compel me to pursue legal recourse, including seeking putative damages for the violations stemming from the inaccurate reporting of this tradeline on my consumer report. 

I anticipate your prompt attention to this matter and a timely resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion continues to list an address -- XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ, XXXX -- where I have never lived.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have filed a dispute about an account on my credit report and the company failed to investigate the information or prove that they investigated the information. I provided documentation showing the information was not correct. XXXX XXXX XXXX XXXX XXXX amount is incorrect.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My vehicle loan account is being reported inaccurate by all 3 credit bureaus. The information is different across all 3 credit bureaus. I asked for this to be investigated and corrected but have not gotten any results or proof of an investigation.
Consumer complaint received 2024-05-22
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. (IL)

It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. 

XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXXXXXX Balance Owed : {$40.00} XXXX XXXX XXXX Owed : {$11000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance XXXX XXXX {$420.00}
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (FL)

This is related to the previous complaint against Citi in regards to closing my account. After receiving the complaint I issued previously, they called on Monday, XX/XX/XXXX at XXXX XXXX EST and left a vmail. Upon hearing the vmail, I immediately tried to return the call to 'XXXX  XXXX XXXX ext XXXX. The phone rings ONCE and then HANGS up on their end. I tried calling 6 times yesterday and once today getting the same result. I now have gotten a notice that I owe {$1.00} for interest on a dispute that should have never been on the bill at all. I also received the attached email to call their Executive Response team at the phone number and extension listed above.

This is nothing more than another DELAY TACTIC on the part of Citi who REFUSES to close my account. I also have another Citi credit card that I just received that I want to cancel as well. I should also not have to pay the {$1.00} interest charge for a charge that was not mine. I will NEVER back with Citi, nor recommend it to anyone. This is the worst I have ever had to deal with any financial institution!
Consumer complaint received 2024-05-21
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. (AZ)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-05-22
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)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.