davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
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)

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 2023-03-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

So I'm filing this complaint because the credit bureaus are not reporting the status of a couple accounts on my personal credit report. For the past 6 months I've been disputing with the bureaus that the XXXX XXXX Bank and XXXX XXXX XXXX XXXX XXXX negative marks are inaccurate. These two errors are causing me to be denied for credit and also it is affect my credit payment history. I would like for the bureaus to delete this misinformation from my credit report immediately.
Consumer complaint received 2024-05-06
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. (FL)

I have tried multiple times to dispute the inaccuracy of late payment entries on my credit reports as per 15 U.S. Code 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 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. ) Discrepancies exist among TransUnion ( 8 late payments ) and XXXX ( 9 late payments ) violating my rights under the Fair Reporting Act. No 21-day notice was received for these entries, denying me the opportunity to dispute them beforehand. XXXX XXXX XXXX  also reported payments less than 30 days late, which further misrepresents my credit activity. I invoke 15 USC 1681c for a prompt investigation and correction to my reports updated to " paid never late '' status on this OPEN up-to-date account immediately. These errors are harming the character of my credit report. I have filed a complaint with the XXXX  and sent all three bureaus certified copies of the letters. This is my second time filing with the CFPB. Next, I will be hiring an attorney until my report is corrected.
Consumer complaint received 2023-07-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Confirmation Number : XXXX Transaction Amount : {$130000.00} Sender : XXXX XXXX XXXX XXXX ( XXXX ) Sending Bank : Bank of America Receiver XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX Transaction Date : XX/XX/2023 Arrival Date ( Promised ) : XX/XX/2023 The promised date for the funds to be received was XX/XX/2023, but the funds haven't been received yet. There's a real-estate closing involved in this matter for which the funds were transferred, due to this 3 days delay, I'm unable to close the deal and being threatened for a violation of contract as I was unable to close on time. BOFA tells me the payment was sent from their end but the receiver bank says they haven't received anything.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (FL)

Regarding order # XXXX, Macys refuses to refund me {$240.00} for an item I returned back to them because I originally received an incorrect item ( not what I had ordered ). They claim that the item is fake, however I did not send anything else other than what I had received and since it was not the item I purchased I returned it back.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-01-22
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. (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.

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 2024-05-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-05-06
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. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-09-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: V and H Portfolio (MO)

I've received collections calls on a debt that I am unaware of, I've received no formal written notification of the debt. A representative, XXXX XXXX, who states his client is Vance and Huffman has contacted me 12 times from XXXX. Contacted family members and former employer to conducted a wage assessment and asking the representative at the former employer if they new me personally. They've stated that I agreed to a 2 payment settlement which is untrue. They offered a 2 payment settlement and a 6 month payment settlement verbally. I advised that I was unaware of the debt that they were speaking about and I'd need to do further research. They ( XXXX XXXX continued the spam calls and calls to outside sources that were not me. I contacted XXXX today ( XX/XX/year> ) to state that they are harassing me over this debt to which XXXX then stated I had agreed to resolve and hung up on me. Then called me back and stated he would advise his " client '' that I had no intention on paying and would pursue legal action and again disconnected the call.
Consumer complaint received 2024-05-06
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. (FL)

I've consistently ensured payments on this account are timely, never letting them become overdue. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-06
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. (IL)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reliant Capital Solutions, LLC (NC)

I log onto XXXX XXXX to find that my credit score dropped due to a collection. I never received any letter about any collections or any emails. I also never spoke to anyone from the debt collectors. I did not receive any information regarding this account that is said to have a collection.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Lendmark Financial Services (OH)

On or about XX/XX/2023 I requested that XXXX conduct an investigation into several items on my personal credit report. At the same time I notified the alleged creditors that is was requesting validation of the alleged debt I did not and have not heard back from the alleged creditors at all however XXXX was able to somehow validate the debt. XXXX also performed an investigation on these same alleged accounts and was NOT able to validate or verify the false info and removed accounts from my file. XXXX was not able to validate the debts but yet said they had.
Consumer complaint received 2024-01-22
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. (MA)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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.
Consumer complaint received 2024-05-06
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. (NY)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I have attached a copy of my report to this complaint on the following dates ( XX/XX/23 and XX/XX/23 ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action
Consumer complaint received 2024-05-06
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. (GA)

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 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

Information reported on credit report differ across credit reporting agencies. This does not reflect accurate information. According to FCRA 15 USC 1681, the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2024-05-06
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)

Violations of Fair Credit Reporting Act Title 15 15 of the United States Code, Section 1681 b, commonly referred to as " 15 USC 5 1681 b, '' is a part of the Fair Credit Reporting Act ( FCRA ). This conditions under which consumer reporting agencies can furnish consumer reports to third parties. One of the conditions is obtaining the consumer 's consent. The Fair Debt Collection Practice Act and The Truth in Lending Act 1968 the Equal Credit Opportunity Act. There is abundant evidence of the use of abusive, deceptive and unfair practices. 15 US Code Section 1692 D harassment or abuse. ( 4 ) the advertisement for sale of any debt to coerce payment of the debt
Consumer complaint received 2024-01-22
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. (TX)

The following account was to be removed from my credit report XX/XX/XXXX, yet XXXX and Transunion are still reporting this account a year later. XXXX has since removed the account XXXX XXXX XXXX XXXXXXXX XXXX XXXX and Transunion are also in violation of reporting incorrect information. The date last active was XX/XX/XXXX, yet you are reporting XXXX which is a violation of the FCRA. Furthermore, an account is to be deleted after 7 years. This account has been closed since XXXX XXXX, and it has since been 8 years. Please remove this account from my credit report or I will have no choice but to take your company to court due to FCRA violations. I will attach my credit report for your reference. I am expecting this account to be removed within 14 days due to the 7-year period.
Consumer complaint received 2023-05-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-01-24
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. (PA)

I reviewed a copy of my credit report and I noticed there were some fraudulent inquiries listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. 

Here are a few inquires that I found on my credit report : XXXX. XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have sent a lot of letters to XXXX, XXXX, and Transunion on the inaccurate accounts on my credit profile i have ask them in my letters to delete those inaccurate accounts and they did not do it. So looking to the CFPB for your help.
Consumer complaint received 2024-09-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: CrossCountry Mortgage LLC (KY)

My mortgage is with cross-country mortgage. I was trying to refinance my mortgage so I could get a lower payment and remove the mortgage insurance. The current value of my property is XXXX. It is a cindo and similar condos have sold XXXX to XXXX in the last 2 years. The purchase price was XXXX. That was 3 years ago. I owe XXXX currently. They have told me I am not eligible because they only look at the purchase price and not the appraised value, when refinancing and removing the mortgage insurance. My question is, is this legal? I have bought and sold many properties over the years and I have never been denied due to this reason.
Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MI)

I am not reliable for this debt of {$670.00} with Midland Credit Management Account Number : XXXX i never had a contract with this debt collector for any debt. Please provide proof that this debt belongs to me and is legal authority collect or delete account. Account was also sold to a debt collector which means I dont own the debt anymore
Consumer complaint received 2024-01-22
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. (CA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.