davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANCO POPULAR DE PUERTO RICO (TX)

I sent two emails to Banco Popular in Puerto Rico. 
Dates sent : Thursday, XX/XX/2023 XXXXXXXX XXXX  and XXXX XX/XX/2023 XXXXXXXX XXXX To : XXXX XXXX ; and a specific person who has the authority to respond. 
Subject : Urgent Request to Freeze Bank Account The email contains my mother 's full name, my official duty as her XXXX my mother 's SSA number, the bank account number, the death certificate, my contact info, offered to furnish evidence of my identity to validate request as well as stating that I live outside of Puerto Rico. 
My email request did include : 1. Added to subject field and body of email " freeze '' my mother 's accounts, 2. provide statements, provide a response On numerous times, I have also called and was unsuccessful despite that the call center staff ( 3 ) stated that they would create a " claim '' and send a message.

For any financial institution to know upfront that the inquiry is from someone who resides outside of PR, and for two separate bank locations to state that I would physically need to go directly to the branch to provide a death certificate, and not respond to a customer 's concern more than a month ago is unethical.
Consumer complaint received 2023-11-14
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry I can not have this information in my report, it is negative information, I do not want it under my name anymore.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This company bought this loan from the original creditor. My son is in school and there is a deferment until hes not enrolled in school. This is the second time this company has done this and it has dropped my score drastically. I get no mail, no correspondence, or anything untily credit report is updated.
Consumer complaint received 2023-11-14
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. (MN)

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 2023-11-14
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)

In accordance with Fair Credit Reporting Act this creator has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose. 

Account : XXXX XXXX  XXXX For XXXX of XXXX XXXX Day Late Payment
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

They continue to report incorrect information to Transunion. On XXXX XXXX, XXXX, I made a debit card payment in the amount of {$2100.00}, which brought my account current. However, they continue to report to Transunion that my account is 120 days past due. That is not accurate. I have filed several disputes with Transunion, yet they continue to report my account as 120 days past due. The most recent report that I pulled on XX/XX/XXXX still reflects that you are reporting my account as 120 days past due. It has been almost a month since I brought my account up to date, and they are still reporting inaccurate information to the credit bureaus. This is holding up my prequalification to purchase a home. I have called customer service and sent all of the documentation to their support department. No one has contacted me and they have not corrected their reporting. They refuse to transfer me to their " investigations '' department and the representatives insist that they are reporting the information correctly.
Consumer complaint received 2023-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (IL)

Flagstar negligently handled accounting of my mortgage and my payment of {$2300.00} wasn't applied to my loan and became a " Suspense Account ''. After many attempts for me to get them to fix that they still didn't comply and to make the matters worse they reported late payment to my credit reports.
Consumer complaint received 2018-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I processed two payments through outside merchants. One in the amount of {$220.00} with XXXX XXXX and one in the amount of {$72.00} with XXXX XXXX. These payments were processed via my checking account online through their websites. The payments processed twice in error. I was not aware that the payments processed twice until they posted to my checking account on XX/XX/2018. I contacted my bank USAA and advised of the error and they opened a dispute. The first representative I spoke with told me in 2-3 business days they would submit the dispute through the merchants and I should show a credit for these on my account. No credit posted. I contacted them back and spoke with a team member in disputes who then told me that there is no guarantee that my account would be credited and if the merchant does not agree then they will not credit me my funds. I spoke with the merchants who are advising they can not reverse the payments and that I need to dispute through my bank. My bank tells me they also can not stop payment or reverse the payments because they have already posted on the account. I explained to them that if we are unaware that a double payment processed then we can not dispute prior to the check posting. We don't see pending checks. They don't show until posted. USAA refused to assist with reversing the incorrectly posted payments and advised that I would just have to wait and see if my funds are reversed by the merchants. I already know they will not be because the merchants advised me of such and now I am out {$300.00} that was supposed to go to my Childs daycare this week. Now I have incurred late charges. My husband and I have been with USAA for over 5+ years with our checking/savings and credit card account. I am very dissatisfied and disgusted at what is happening right now.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2023-11-14
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. (UT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-11-14
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. (LA)

I was trying to buy a house and I realized I had damaged on my credit report. According to the 15 USC 1681 law, I should not have any damage on my credit report it is a defamation to my character. I have all these hard inquiries on my accounts. I also tried to dispute collects on closed accounts that was not up to my knowledge. I have sent in many letters and have not been helped.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (TX)

reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX  account number XXXX.Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.
Consumer complaint received 2023-03-18
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. (MI)

collection account XXXX XXXX consumer reporting agencies verified the account as mine but the name is not mine XXXX XXXX XXXX XXXX Also the account was sold to XXXX XXXX XXXX back in XXXX so how can XXXX companies claim it there account? 
they are violating my privacy by having my private information without my written consent.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, 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)

Identity Theft Report Attached The following inquiries listed on my TransUnion credit report are fraudulent Fraudulent TransUnion inquiries XXXX XXXX  Services XX/XX/2023
Consumer complaint received 2023-11-14
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. (UT)

In accordance with the Fair Credit Reporting act 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WI)

I reached out to XXXX and equifax to update my account giving them my correct and only name as well as mailable address. I wanted all unamailable addresses removed off of my account as well as my correct name. I verified all information that they have regarding their security measures however that seemed not to be sufficient with equifax because that want me to send additional information which they have because they are the credit bureaus.
Consumer complaint received 2023-08-30
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-14
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-12
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. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit.It 's my understanding that transunion will investigate this account for me to ensure accuracy here are the accounts Iam asking you to verify as accurate : XXXX : Account Number XXXX XXXXXXXX XXXX  : Account XXXX XXXX : Account XXXX XXXX : Account XXXX
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2017-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo is charging nusisance fees on my interest free card marketed as a balance transfer card. I am still within the zero interest period. BTW the bank places the onus on me to recall what the period is and DO NOT issue timely reminders. Oh " great '' customer service, right? 

They refuse to reverse the current fee. This from an institution that has been assessed serious penalty for phantom accounts. Now they are trying phantom transactions under the noses of customers who like myself have been with them for over 20 years when they were Wachovia. 

The agreement is " interest free '' I only pay the balance and DO NOT incur any transaction fees since I DO NOT and HAVE NOT made any purchases that would incur an interest charge. 

On its face this is a violation of state and federal banking regulations and please tell other consumers by way of this complaint to watch out.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alaska XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Against XXXX XXXX XXXX for Inaccurate Loan Payment Reporting and Negative Credit Score Impact Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their inaccurate reporting of loan payments, which has adversely affected my credit score. I believe this matter warrants investigation to ensure fair and accurate reporting practices. 

Account Information : XXXX Account Holder Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Name : XXXX XXXX XXXX I recently reviewed my credit report and discovered discrepancies in the reporting of loan payments associated with my XXXX XXXX XXXX account. The inaccurate reporting has led to an unjustified decrease in my credit score. I have attached supporting documents, including bank statements and payment receipts, to substantiate my claim and provide evidence of the accurate payments made. 

The inaccuracies in reporting have significant implications for my creditworthiness and financial standing. I kindly request the Consumer Financial Protection Bureaus intervention to investigate this matter thoroughly and ensure that XXXX XXXX XXXX adheres to fair and transparent reporting practices. 

I request the following actions : 1. An investigation into the inaccuracies in XXXX XXXX XXXX reporting of loan payments. 
2. Correction of the inaccurate information with the credit reporting agencies. 
3. Regular updates on the progress of the investigation and resolution. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to rectify the reported inaccuracies. 

Thank you for your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-07-29
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 — Their investigation did not fix an error on your report
Company: MARINER FINANCE, LLC (NJ)

On XX/XX/2020 I sent a certified letter to Mariner Finance XXXX XXXX   XXXX XXXX, XXXX, MD XXXX, which was received and signed for by their company on XX/XX/2020 requesting validation of account # XXXX by sending me competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them, and if they could not validate the debt, they are in violation of the FCRA & FDCPA and are required by law to remove any negative marks on my credit report. 

Their response dated XX/XX/2020 was a one paragraph letter stating that they reviewed the account on record and determined the the information reported on my credit file is correct. I received no documentation at all. 

This is a blatant violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. In addition, I notified them that I was disputing this item, and after well over a 2 month period, they have yet to mark the item as " disputed '' on my credit report, which is also in violation, therefore, this alleged account should be removed from my file.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'm an extended identity theft victim who has done everything I can do legally and have abided in sending requested information to XXXX and Transunion to block accounts connected with fraudulent activity. Per the FCRA and XXXX they are to report accurate information and to not report negative information on accounts in dispute for fraudulent charges. I have filed and submitted my FTC identity theft report in addition to them having my official police report. Per FCRA XXXX all accounts outlined in the identity theft report is to be blocked Per consumer request and the law. XXXX blocked the accounts with the report but then unblocked them per the creditor from what I was told. Totally disregarding my plea and my legal rights I continue to suffer damages because of their incorrect and fair reporting. XXXX  XXXX XXXX and XXXX have been notified of the fraud and continue to validate fraudulent accounts. This is wilful non compliance and I want to report this abuse of power and have it investigated appropriately.