davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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 2024-05-02
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)

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 XXXX 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 2023-03-20
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: Experian Information Solutions Inc. (IL)

When I review my credit report in XXXX XXXX dated XX/XX/2023, I realized that the same accounts were erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX  XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On or about Wednesday XX/XX/XXXX, I contacted debt collector XXXX regarding XXXX accounts XXXX XXXX and XXXX XXXX  both charge off accounts that and XXXX purchased these accounts in XXXX however pursuant to the FCRA they are reporting opened in XXXX when they were actually opened XX/XX/XXXX and therefore XXXX FCRA rule should apply and these XXXX accounts should fall off or be deleted this year in XX/XX/XXXX however XXXX is not the original creditor and bought tje debt as bad and therefore shouldn't be reporting to creditors.
Consumer complaint received 2024-05-02
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)

his company is reporting 90 days late payment but it states that I was late one time. This account is inaccurate and not verified. The information that's reporting an error is damaging my future and play a part in me getting denied for credit. 

XXXX. Dept Of EducationXXXX XXXX Closed account Opened : XX/XX/XXXX Original Balance : {$5200.00} Status updated : XX/XX/XXXX XXXX late payment 90 days later reported on XX/XX/XXXX XXXX. Dept Of EducationXXXX XXXX Closed account Opened : XX/XX/XXXX Original Balance : {$20000.00} Status updated : XX/XX/XXXX XXXX late payment 90 days later reported on XX/XX/XXXX XXXX. Dept Of EducationXXXX XXXX Closed account Opened : XX/XX/XXXX Original Balance : {$11000.00} Status updated : XX/XX/XXXX XXXX late payment 90 days later reported on XX/XX/XXXX XXXX. Dept Of EducationXXXX XXXX Closed account Opened : XX/XX/XXXX Original Balance : {$20000.00} Status updated : XX/XX/XXXX XXXX late payment 90 days later reported on XX/XX/XXXX In accordance with The Fair Credit reporting Act this creditor and all three agencies has violated my rights under 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 an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account or loan under an open end consumer credit plan as late for any purpose. Late payments should not be reported. 15 USC 1681a ( 2 ) ( i ) - late payment is a transaction and/or an experience, and it MUST BE EXCLUDED. ( I ) Accommodation The term accommodation : The Term " accommodation '' includes an agreement to defer or more payments, modify a loan or contract, or any assistance or relief granted to a consumer who is or was affected by the XXXX  XXXX XXXX ( XXXX ) during the covered period. It is illegal to report a late payment especially when I was never late, I had a card on file for auto pay. I never made a late payment.
Consumer complaint received 2024-05-02
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)

yes under the 15usc 1681 the loan on my credit report has been ask to be investigated over over again they sent back just a plain credit report they didn't investigate properly neither did they remove it from my credit report i have sent them letters over over again and under the fair credit act i have the right to no how the situation was investigated and why is it still on my credit report neither of these things was done i will appreciate if they remove this negative items from my credit report its hindering my credit report
Consumer complaint received 2019-11-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (KS)

Opened a savings account on XX/XX/XXXX with a promotion to get {$200.00} if I deposit {$15000.00} and keep it in the account for 90 days. I was also to get an additional {$100.00} for meeting both the savings and checking bonus. I have been credited already for the checking bonus of {$300.00}. My money was deposited on XX/XX/XXXX and I should have received my {$300.00} ( XXXX ) 90 days later. I keep getting the run around on why it has not appeared in my account. I am getting told that it was never initially applied even though I have screenshots saying it was and have screenshots of the promotion. I am told that I have to wait another few months before the 90 days is up to receive my promotion. Keeps getting bounced around to agents who don't seem to understand what is going on.
Consumer complaint received 2019-03-15
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. (FL)

Transunion are in violation of act s 611 5 b of the fcra I have 5 inquiries on my report that is not suppose to be there XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX these are not suppose to be on my credit report as I only have a XXXX XXXX and I have no hard inquiries on my other credit reports from credit bureaus but my XXXX XXXX transunion customer service would not help and take care of the negative inquiries reporting to my credit report.
Consumer complaint received 2024-05-02
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. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I requested XXXX XXXX  # XXXX be validated with no response. 
FCRA section 611 gives me the right to request and explanation of the verification method used
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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.

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 inructions 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 2024-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-02
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. (TX)

On XXXX, XXXX, 2024 ( today ) I received an email from XXXX XXXX that there was a recent hard inquiry on my credit. When I logged in to check details, I see there was a hard inquiry from today, XX/XX/year> from XXXX ( Bank ). This is not me or anything I've applied to. I crossed referenced other credit bureaus and did not see it anywhere else. 

I first contacted XXXX XXXX who direct me to contact TransUnion who they use to file the claim of a fraudulent inquiry. Once that was filed, they directed me to file a claim here as well. Again, this is only showing on TransUnion and no other bureaus.
Consumer complaint received 2024-02-20
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: DISCOVER BANK (NV)

I previously filed a complaint with discover on a transaction I was trying to dispute for {$100.00}. I never received the agreed upon item from the merchant. I have ample documentation but Discover never asked for documentation nor did they provide me any way to show the documentation for this transaction. 

I, in good faith, attempted to resolve the matter with the merchant and discover several times. Discover even provided documentation that the merchant never responded to their investigation and never sent any proof of the {$100.00} transaction in question. 

I would like this to be resolved and to get my {$100.00} refunded back to my card.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-04-10
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/2024 I deposited a XXXX cashier 's check from XXXXXXXX XXXX into my checking account with Navy Federal Credit Union using their ATM. On XX/XX/2024, Tuesday, I received an email re information regarding my deposit. They were placing a hold on most of the money because they had " reasonable cause to believe that the check ( a cashier 's check made out to me going into my checking account ) is uncollectible from the paying bank based on confidential information that indicated that the check may not be paid. '' If the bank pays I can access the money 5 days after I deposited it. 

Not only do I object to the longer hold but the explanation states that there is some problem with this specific check and essentially says the check is suspicious. It sounds like they are accusing either me or the bank of passing bad check. 

I called the information number XXXX XXXX. First person could not say why the hold was place or what the language meant. She asserted it was generic or routine, which it is not because I have received other notifications without this " reasonable cause '' and confidential information '' etc. I spoke to a supervisor who said all checks took 5 days to clear and that this was generic and routine. I kept referring her to the language addressing the suspiciousness of this check. She said she would hang up because I kept asking the same question and that I was rude as I probably was raising my voice in frustration. She hung up. I called back later. Initially I was directed to the banks disclosure material which explained that most holds were 2-3 days and listed reasons for longer holds such as depositing checks in one day for > about XXXX. She transferred me to supervisor when I again asked why for this check. I was disconnected I sent an internal email twice asking for the reason and to be referred to their legal department because this language should be removed and replaced with the reason for automated extended hold. No help I visited my NFCU. They said that they could not say why and that this is all automated and they can not access this information. Referred me to legal department. 

Legal replied they do not have time to respond to me. 

I want this language to be removed and not used except when there is specific reason for suspicions regarding a check. If the extended hold is applied, the notification should state the reason such as redepositing a check, large deposits etc. 

This has been very distressing to be accused of passing bad checks and having everyone say it is routine. And it is not true ; NFCU neither received a tip from an informant nor investigated this check for its authenticity. In fact they all say this is automatic and no one has access to information. So please request that they use appropriate language in their notifications and that they provide a reason if a check is suspicious.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX.Each I pay for my closed account, XXXX XXXXXXXX report negative remark to credit bureas I never made the payment. 
XXXX.Each month I receive more than XXXX different minimum payment from XXXX  XXXX from the bank App, written letter the send to my address and credit reports. 
XXXX, on the XXXX credit bureas XXXX do not state exact minimum payment and actual payment I made. 
XXXX, XXXX  XXXX filled XXXX degoritory remarks on my credit file with only XXXX and transunion because XXXX had disputed and resolved after the gave inaccurate reports to XXXX I paid the extra {$10.00} after I had paid {$70.00} as NY minimum payment from bureas is less than {$70.00}. 
XXXX XXXX received a claim disputes from banks for the XX/XX/XXXX till XX/XX/XXXX they reported to credit bureas that I never paid, XXXX  XXXX refused to respond to my banks filed claim since XX/XX/XXXX but wrote the attached mail to me threatening me to ask my banks to write with their letter heading and state that payment was reversed in error before the remove XXXX negative remarks on my account. The also adjusted the account from {$1600.00} as reported on XXXX and others screenshot attached to {$1900.00}. 
XXXX, I had paid over {$1500.00} to this credit limit of {$2000.00} which was reported to credit burea as ended at {$2000.00} and on XXXX XXXXXXXX bank {$2000.00}. 
XXXX, XX/XX/XXXX XXXX XXXXXXXX add a hidden charge the tagged past due of {$29.00} and it was brought forward every month and I asked the bank to explain it but they refused. 
XXXX, my interest rose from XXXX % to XXXX % and capital one increases it every XXXXmonths. 
XXXXi got XXXX  XXXX mail at my mail box with minimum payment of {$120.00} for month of may and on the App minimum is {$190.00}, why on credit burea is {$57.00}. 
XXXX. XXXX on XXXX occasions turned credit education thrice services because I engaged them for transparency. 
XXXX. XXXX  XXXX did not report my first till XXXX payment to credit bureas till the first payment was made by credit education before the reported the first time in XXXX. 
Kindly find attached the proofs.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 : XXXXXXXX XXXX Account XXXX 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 2024-05-02
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 Formerly known as XXXX XXXX Formerly known as XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXT XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date reported XX/XX/year> Date assigned XX/XX/year> Amount {$1800.00} Status date XX/XX/year> Balance date XX/XX/year> Account number XXXX  XXXX According to 15 U.S.C. 1681i, I did not authorize the reporting agencies. Please block and remove the accounts under 15 U.S.C. 1681c-2.
Consumer complaint received 2024-05-02
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. (NY)

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 2024-05-02
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. (MA)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I've learned that the creditor didn't provide the necessary XXXX 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.