davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
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. (FL)

XXXX XXXX My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> and XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2021-06-30
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TDS Financial LLC (VA)

I received a call earlier this month but I am not sure of the day. But the rep was the same one that called today. I do have the voicemail that was left for me today. The very first call they said I had student loans that were not covered by federal. Which is false because my student loans are on my credit report and I had never applied for any other type of loan for school. In fact I just applied for loan forgiveness and my student loans were consolidated. This person stated my balance was {$1900.00} but I needed to pay {$900.00} right then and there. I never received any type of written communication from this company prior to. And still have not received anything. Today the same person named XXXX XXXX called me and stated they will seize my assets and place a lien on any property that I have if I do not contact them within 72 hours. The company is R & R solutions with phone number XXXX. My voicemail picked up a different name and I have readable voicemail so I can read what was left instead of just hearing it on my XXXX.
Consumer complaint received 2019-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

On XX/XX/2019, I sent two separate certified letters to Portfolio Recovery about two separate accounts # XXXX claiming I owe {$1000.00} and # XXXXclaiming I owe {$1000.00}. I asked that they verify that I owe for the two accounts by sending me a contract bearing my signature. Instead they sent me printouts, nothing bearing my signature. Also they responded referring to one account # XXXX. claiming I owe {$1000.00} where credit report says otherwise. Also they inserted that it is being disputed and customer disagrees. I was not notified about the account # XXXX claiming I owe {$1000.00} within the 30 day period of my dispute. Which cause Portfolio Recovery to be in violation of the FDCPA and FCRA. Portfolio is also in violation of the FCRA and FDCPA for not providing me proof of contract bearing my signature within the 30 day period. Therefore, Portfolio has violated the FCRA and FDCPA on both accounts # XXXX claiming I owe {$1000.00} and XXXX claiming I owe {$1000.00}.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023 I made 2 authorized purchases through XXXXXXXX XXXX XXXXXXXX XXXX for the amount of {$140.00}. 

A few days later when I checked my bank statement, I noticed that there were fraudulent charges by a similar company called XXXX '. 
After I noticed that there were over XXXX charges ranging from $ XXXX {$3000.00} for a total amount of {$11000.00}, I instantly called chase bank to report those charges as fraud. 
After talking to a fraud specialist, they stated that the charges would be reversed back into my account because I didn't authorize them. 

Chase bank did reverse all the charges in XXXX. 

Then, a few months later, Chase charged my account again for ALL the fraud charges saying that I was responsible to pay for all of them. 

When I contacted them, The fraud department stated that they received an invoice from the fraudulent company " XXXX XXXX' with my name, email, and phone numbers-which is all public information. The invoice did not have any of the company 's information, except a non-working telephone number. 

I spoke to XXXX XXXX fraud department manager ) on XX/XX/2023. He stated that after further investigation, I was at fault for the fraud charges. I clearly asked him, what specific documents could I get in order to prove that I did not authorize those charges. He went on to say " I DON'T KNOW ''. 
I asked to escalate my claim and speak to HIS manager and XXXX said " I could only speak to ONE manager a day ''. I tried to call several times after this initial call and everyone I spoke to said they could not do anything.
Consumer complaint received 2024-06-05
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. (NY)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-06-05
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)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Consumer complaint received 2024-06-05
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 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/year>, and I have not yet received a response.
Consumer complaint received 2024-06-05
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)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. 

A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THESE LATEPAYMENT ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY.
Consumer complaint received 2023-12-12
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)

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-12
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)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested
Consumer complaint received 2024-07-13
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. (SC)

TransUnion has allowed incorrect collections in my account. The reported collection is not my collection. This is the XXXX  time in XXXX months that Transunion allows the same collection to be reported in my credit report. Please remove the collection immediately.
Consumer complaint received 2023-12-12
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 bring to your attention the persistent challenges I have encountered in my attempts to correct late open accounts on my credit report. Despite multiple requests and efforts on my part, the inaccuracies in reporting continue to affect my credit standing negatively. 

I have submitted numerous dispute letters, both online and by mail, and have yet to see any resolution or improvement in the reporting accuracy. I have attached supporting documentation, including payment receipts, statements, and any other relevant materials, to substantiate my claims and assist in the investigation. 

I demand that you conduct a thorough investigation into these matters promptly and take immediate action to rectify the inaccuracies on my credit report by correcting the reporting of the late open accounts. 

Additionally, I request regular updates on the progress of the investigation and resolution of this matter. It is crucial that this issue is addressed urgently to prevent further harm to my financial standing. 

If my concerns are not addressed satisfactorily within 30 days of receiving this letter, I am prepared to escalate this matter to regulatory authorities, and seek legal counsel to protect my rights. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-13
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. (FL)

DEAR, TRANSUNION I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year>,
Consumer complaint received 2023-11-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P&B Capital Group, LLC (SC)

Upon applying for a home loan I was notified about a debt in collections from a business I have never had services from. I reached out t this company for proof of this debt via email and phone over 30 times, with no response. I know I ordered an product from this company in XXXX and never even received the XXXX XXXX from them, therefore making it impossible for me to have EVER rendered services from them. I sent over 10 emails to customer service about this. I disputed it with my bank, was refunded the amount, canceled my account and never heard anything more until this went company sent a bill for services never provided almost 4 years later after canceling my account. I was never even contacted i owed a bill. Let alone a returned call from the company of proof that this debt is owed. I never received any services, or notice, nor bill.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

CHEXSYSTEMS is reporting fraudulent inaccurate information on my consumer report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me. CHEXSYSTEMS has failed to provide me with the information of a signed purchase agreement with my signature on it from the company XXXX XXXX XXXX XXXX XXXX ) instead CHEXSYSTEM is sending me notices stating that the company is saying the information is correct with me stating that if it was an account opened in my name which is showing on the consumer report which only shows the account was opened fraudulently which is an result of identity theft. I am attaching the notice I received from CHEXSYSTEMS. 

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OK)

On XX/XX/2023, I received an email from Mohela that my " request for forebearance '' was approved. I did not request a forebearance. I am working toward the PSLF and these months in this " administrative forebearance '' that I have been placed in from XX/XX/2023 - XX/XX/2023, is costing me TWO MONTHS toward my 120 eligible payments. This forebearance, that I did NOT request, was merely emailed to me. I do not even have the option to make a payment!!!!!
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute certain items on my credit report that, upon review, lack sufficient information to validate the associated debts. The information provided for these accounts is insufficient for proper validation. I am requesting that you promptly remove these items from my credit report, as they do not meet the necessary criteria for accurate reporting. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verifiable information on my credit report. The following accounts are of concern, as the provided details are inadequate for proper validation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed : XXXX, and XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-08-28
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)

I am writing to formally dispute inaccurate information on my credit report, which I reported to TransUnion on XXXX Despite the time that has passed since my initial contact, I have not received any response from TransUnion regarding the concerns I raised. Below, I have outlined the inaccuracies that require immediate attention and correction : Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$340000.00} Issue : The account has never been overdue. I request that TransUnion correct this inaccurate information on my credit report. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$1700.00} Issue : The account has never been overdue. I request that TransUnion rectify this inaccurate information on my credit report. 
Account Information : Creditor : XXXX XXXX  ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$6200.00} Issue : The account has never been overdue. I request that TransUnion correct this inaccurate information on my credit report. 
Account Information : Creditor : XXXXXXXX XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$55000.00} Issue : The account has never been overdue. I request that TransUnion rectify this inaccurate information on my credit report. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$5000.00} Issue : I request the removal of the late payment entry for this account. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$2500.00} Issue : The account has never been overdue. I req
Consumer complaint received 2023-12-12
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. (MS)

I'm writing you again for the fourth or fifth time about this matter and I want give up until this matter is resolve. I have sent you all the information and I have attached this in my complaint.In regards to the FCRA 5611 15 U.S.C 16811. I didn't give no-one to take my information so therefore you are invading my privacy. therefore you should deleted this information from my credit report. 15U.S.C. 1681 sec 602 a states I have the rights to privacy. 15 U.S.C. sec 604 sec 2 also states a consumer reporting agency can not furnish an account without my written instructions. I'm sending it again showing everything more clearly. Please look into this matter and remove this information from my report.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX called and had TransUnion remove security freeze permanently. I spoke to XXXX representatives that informed me that the security question to authenticate me was unavailable. 

Representative informed me that she could not help me and mail in documents. 

Informed representative that I had a PIN number and representative informed me that PIN are no longer used. 

I never received any documents informing me that PIN are not used anymore. 

I asked for supervisor. 

I was transferred to supervisor and freeze was lifted permanently. 

Today the security was placed back on my credit report without my knowledge. 

I spoke to XXXX representatives and XXXX in the XXXX department and none of them could lift security freeze. 

All of the representatives stated that their system could not generate security questions. 

The representatives also informed that I had the security freeze lifted and added to many times and that is why the security questions are not generated. 

I informed the representative that I am within my rights to add and lift the security freeze on my file as many time as I wish. 

I asked to be transferred to the supervisor and supervisor informed me that freeze could not be lift because no security question were available to have me authenticated. 

I also informed supervisor that I their online tech support submitted ticket last week to fix issue online to freeze & unfreeze file and nothing was done. 

As of today, my credit report is frozen.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

There is no account number from XXXX on my credit report. 
XXXX card is showing on my credit report as a previous balance of {$6500.00} with a current balance of XXXX. XXXX also states that they have written this off and sold this debt. 
Since debt write offs are considered income, I should receive a 1099-C from XXXX, as this would be considered income on my tax return. 

Also, income can not be reported on a credit report. 

Please remove this account from my file. Thank you.
Consumer complaint received 2023-12-11
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)

According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

Please delete these fraudulent accounts : XXXX XXXX {$490.00}