davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
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 a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-06-06
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. (LA)

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 : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX 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 2024-06-06
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. (WI)

I wanted to try to repair my credit and take care of my credit, so I got a copy of my credit report. duties and observed several accounts that I felt needed a little more clarification. Not that they are, mind you. reporting accurately or incorrectly. It's just that I'm not entirely certain if they are. Additionally, I read something titled the According to the Fair Credit Reporting Act, I am legally entitled to contest any information that I am unsure of being true. A few of I am writing to you all because of the people who are reporting things about me that I have never heard of.Are you aware with 15 U.S.C. Sec. 1681i ( a ), which states that a consumer reporting agency must follow reasonable processes to ensure that the information regarding the person to whom the report relates is as accurate as feasible at all times while preparing a consumer report? I've heard that these accounts have to be removed if you are unable to produce proof. If these accounts are not entirely accurate and factual, then I would like them to be erased. Therefore, can you kindly look into them and come back to me? I watched this lawyer say, " You have 30 days to finish this investigation, '' on a credit site and board. If there is anything missing or incorrect from the following accounts, kindly look into them and remove them. 

ACCOUNT IN QUESTION : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  I'm kindly requesting verification of certain items on my credit report and would appreciate physical proof of verification. Additionally, I'm requesting a complete credit report to ensure accuracy. I'm grateful for the prompt attention and cooperation in this matter.
Consumer complaint received 2024-06-07
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX
Consumer complaint received 2019-04-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

My husband and I purchased a new XXXX XXXX XXXX XX/XX/XXXX with the original loan balance being XXXX. The interest rate was 16.78 percent with a payment of XXXX monthly for 6 years. The total interest paid was to be a little over XXXX over the course of the loan. As of yesterday we have paid XXXX with XXXX going towards interest and only XXXX being applied towards the principal. About a week ago they repossessed the car and are refusing to reinstate the loan so I went on to see what the balance owed was so we could redeem the vehicle that we certainly have over payed for and that's when I realized how little of our money has been applied correctly. I have printed my entire payment history and there were roughly 3 years worth of payments that very little ( less than XXXX ) was applied towards principal. I'll admit there have been some late payments but after reviewing the paperwork it doesn't seem logical that late payments and completely unexplained fees would extend the life of the loan by what would certainly been another 3 years at this pace. All I'm looking to accomplish is have them adjust the balance to what it should be so I can pay the balance off and get the car back that we've already paid almost XXXX towards what should've been a XXXX loan.
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (LA)

On XX/XX/, my credit card was charged. {$240.00}. Also on XX/XX/, I was charged {$130.00} for my account being over its limit because of the unauthorized charge of {$240.00}. The credit card company who failed to protect my privacy information and having included in a data breach is Elan Finacial Services ( phone # XXXX ). On their website myaccountaccess.com they vow to protect my privacy from data breaches and also to contact customers with 24hrs if a customer is involved in one. Instead, over two weeks later I noticed that my card was used unlawfully with no awareness to my credit card company. I informed them of the data breach. No one from the company has ever contacted me in regard to the data breach who to inform me of what exactly happened. On XX/XX/, I was contacted by the credit card company for late payment for the amount of money that was unauthorized. This has put me in a negative emotional state knowing that I was wronged. Also, I do not trust this credit card company Elan Finacial Services for not being able to protect my privacy. They have also been horrible in reaching out to me to even explained what happened. I no longer want to be associated with this company anymore. Their Privacy act laws and consumer laws that protects me against data breaches. Someone please help! 

my fraud claims # XXXX was created on XX/XX/2023 for Elan Finacial Services
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. 
XXXX HAS This account is incorrectly reporting that I have 32 late payments. On my Transunion report there are 12 late payments being reported.

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this in accurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I received a copy of my consumer report and noticed inaccurate information reported. I requested a reinvestigation and that these items be deleted from my credit report on XX/XX/year>. I see that the items are still showing on my credit report. Pursuant to 15 USC 1681 ( a ) Accuracy and Fairness of Credit Reporting, according to the law, before any information is inserted into my consumer report, it MUST be accurate and fair information reporting. I am aware of my rights and know, according to the Fair Credit Reporting Act. That I have a right to challenge anything and everything, that I am unsure of. 

My demands are : For you to provide me the XXXX XXXX and this is what I need included in the XXXX XXXX : Account file Ledger ALL accounting documents The transactional history Please be sure to provide everything demanded in this letter. IF you are unable to provide the demanded information you must delete this account IMMEDIATELY! 
If you fail to communicate to the Consumer Reporting Agencies that this debt is in DISPUTE, that would be a violation pursuant 15 USC 1692e8-False or Misleading Representation. 
The law is very clear as to the civil liability and the remedy available to me, according to 15 USC 1692k. Furthermore, failure to honor this requested DEMAND will lead me to fully intend or pursue litigation in this matter suing your company for actual damages sustained. 
Please be aware that freezing this account is not an update to my consumer report. 

I am demanding that you reinvestigate this account immediately and respond within XXXX business days with update. If you can not provide proof of the reinvestigation, these accounts MUST be deleted, according to 15 USC 1681 Treatment of Inaccurate or Unverifiable information. In general, if 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 promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. 
Thank you for giving this you prompt attention, XXXX XXXX
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

My Wells Fargo account was closed in XXXX XXXX XXXX ( I did not have a debt when the account was closed ). Prior to my account closing I purchased an item using XXXX which cost {$1100.00} - this item was refunded by the merchant XX/XX/ ... after my Wells Fargo account was closed. At first the refund bounced back to XXXX, but the 2nd time, it went through. XXXX have showed me proof that the funds went through and have given me the resources that would help Wells Fargo locate theses funds ( such as the ACH Reference Number ). I went in person to Wells Fargo to start a claim, but the employee described the reason for the claim wrong. I am not asking for a refund, I am asking for the location of a refund that has already been sent. I have proof that XXXX already has sent my money to Wells Fargo and I am asking for the whereabouts of this money. I keep being told that " the timeframe for requesting a refund with the merchant expired '' ... I know this, I am not asking for a refund, I am asking for proof that Wells Fargo does not have the refund, such as an ACH rejection reference number or something similar. Every time I talk to Wells Fargo on the phone they put me on hold or hang up on me. When I go in person, they tell me that they " don't usually accept money to a closed account '' but refuse to look at my ACH Reference Number and refuse to show me proof that the funds were rejected. I have been fighting for months and if I am being honest, it is getting extremely exhausting.
Consumer complaint received 2024-06-06
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-03-22
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. (MI)

I asked the credit bureau to do A verification of everything on your credit report and they did they stated that everything was accurate and I did a thorough research myself and found improper inaccuracies use on the credit report. Even after they did the research. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX / XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # 151G accordance to the fair credit reporting act conversion account is violating my rights. They are 15 U.S.C 1681 section 6028 states that 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 an account without my written constructions.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-07
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. (NV)

I am writing to express my utmost discontentment with the continued existence of fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the bank related with the fraudulent accounts. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent accounts would be instantly abstracted. Both XXXX and XXXX have already removed these accounts from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of these accounts when the other bureaus have already removed them. Please delete these accounts from my file, as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-07
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)

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.

has violated my rights. Or a 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 2023-04-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NC)

US Banks failure to disclose the additional Wind and Hail Insurance monthly escrow payments exceeded the income/debt ratio of 28 % for me at the time of closing. That is the ratio used by most banks for loan qualifications unless U.S. Bank has different rules. US Bank failed to disclose any Wind and Hail escrow deposit required at closing costing me an additional escrow payment of {$1700.00} 8 months after closing. Prior to closing I ask several times if the additional wind and hail policy was required by US Bank and was told by XXXX XXXX on more than one occasion that it was not required. He told me that it was not required because my home was not located in a flood zone. I am attaching an email from XXXX XXXX @ US Bank telling me that that the wind and flood insurance is not a requirement. That answer sounded reasonable, so I did not question it after that. That was the end of it as far as myself and US Bank was concerned. However, after realizing the potential risk I decided to purchase the wind and hail policy on my own. I set it up on quarterly payments to allow me time to save up for the payments. I relayed this message to XXXX and told him I would send him a copy of the policy just for the record. I was unaware that he submitted my wind and hail policy to underwriting until about a month ago when I called him and ask what was going on with my increase in payments. This has now caused me to bring into question the trust I thought I could have with US Bank and possibly their intentions to get my loan closed and on the books. I am attaching a copy of the closing statement details on my loan # XXXX. 
I attempted to resolve the shortage issue with the mortgage department but was denied and sent a letter citing a VA requirement that the funds for the additional insurance had to be held in escrow. I have included a copy of the letter. 
XXXX XXXX XXXX in the mortgage department is my only contact at U.S. Bank, he was my closing processor. I am attaching a copy of the letter denying my request to not have the wind and hail insurance to be held in escrow, signed Escrow Department. I have included a copy of the letter. 
I am an active XXXX XXXX XXXX license # XXXX in the state of North Carolina and a retired military veteran with over 22 years on XXXX XXXX. 
Your assistance in resolving this matter would be greatly appreciated. 

Encl : ( 1 ) XXXX XXXX email stating wind and hail not required Encl : ( 2 ) Closing statement page 2 from XX/XX/XXXX Encl : ( 3 ) XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX showing Current Payment Plan ; Quarterly Direct Encl : ( 4 ) US Bank denial letter dated XX/XX/XXXX signed escrow department Respectfully, XXXX XXXX XXXX
Consumer complaint received 2022-11-24
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I XXXX XXXX am a natural person I am the actually person submitting this dispute this is not a third party. 
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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any Purpose.
Consumer complaint received 2024-06-07
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. (NC)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.