davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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. (PA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2023-12-26
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. (TX)

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 2024-04-22
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. (PA)

The company in which I disputed the accuracy of the reporting to the credit bureaus was not resolved they are still reporting inaccurate and inconsistent with the other reporting bureaus which violates my rights for fair reporting because it is inaccurate which I provided a copy of my report that shows all 3 bureaus reporting differently. To resolve this issue I want this deleted or I will move forward with a lawsuit because reporting inaccurate information is against the law according to 15usc1681i 15usc 1681s2 15usc 1681i5 15usc 1681eb Please delete these accounts expeditiously!
Consumer complaint received 2023-09-01
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 am writing to express my profound disappointment and concern regarding your failure to respond to my dispute, which I submitted to TransUnion on XX/XX/2023. It is distressing to note that despite the passage of time, I have not received any investigation results or communication from TransUnion pertaining to my dispute. This disregard for the Fair Credit Reporting Act ( FCRA ) obligations is a serious concern and has compelled me to seek a resolution through this complaint. In my dispute, I brought to your attention the presence of items on my credit report that I believe are not reporting accurately. I am committed to ensuring the accuracy and integrity of my credit report, and my dispute was an honest attempt to rectify the situation and have the inaccuracies addressed. However, I am deeply disappointed that TransUnion has not fulfilled its duty to investigate the dispute and provide me with the investigation results within the stipulated timeframe outlined by the FCRA. This lack of response not only violates the rights granted to me under the FCRA but also has a significant impact on my financial standing and peace of mind.
Consumer complaint received 2019-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

This is an update to my most recent complaint concerning USAA. The bank did not let me speak with the President, Vice President or CEO. Instead they had a specialist contact me by email which did not address the matter whatsoever. They stole my XXXX refund, told me I had no basis for a claim and reversed the credit they issued me and billed my account for it ( XXXX ) thereby limiting me to getting the refund from XXXX yet they stole the refund because ( I have no claim ) so they must give it back to XXXX so I may begin the claim process ( because they can not steal the refund AND bill me for a reversed credit ). Please have a senior officer contact me because there is serious corruption at this bank internally.
Consumer complaint received 2023-04-13
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. (MA)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

We paid our mortgage off months early trying to help with our finances, USDA then told us that they would send us a congradulation on paying off your mortgage letter.Instead what we got was an amount added to our credit reports, ALL HAVE DIFFERANT AMOUNTS OWED almost {$60000.00} added to our credit reports and they have late payments added to an account that says in GOOD STANDING while at the same time 3 months without a payment sent to them.There information has been incorrect for a very long time and they do not make any effort to correct it.We even sent a letter to them asking them to remove the late payments in GOOD FAITH because we made all payments and even paid off early.They sent a letter just stating NO.I have reported this to the three credit agencies and have done MANY dispute entries.NOTHING HAPPENS.The late payments they claim are late were never past the 3rd of the month and do on the XXXX, never XXXX days late as they claim.The only information they ever sent us was a letter stating that they would not forgive because of good faith, even though we paid early.They have a lien on our home for that {$60000.00} for subsidy recovery and this hurt our credit probably beyond repair for many years.
Consumer complaint received 2023-03-15
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I reported to Transunion about a XXXX  XXXX XXXX account and credit card being opened fraudulently. I received an email that the investigation was completed and the information was verified. Verified to who, not me. They didn't believe me. So, when XXXX  XXXX XXXX told Transunion it was open fraudulently they closed the account.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

duty pursuant to the FCRA, it is TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. XXXX is reporting 1 inaccurate late payments for the XXXX XXXX XXXXccount ending in XXXX. These include a 30 day late payment posted in XX/XX/2019. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in XXXX violating my federally protected consumer rights. To add to this, I did NOT give XXXX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that XXXX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ProCollect, Inc. (CA)

There are two accounts that are not mine and do not belong to me and Is irrelevant. I am a victim of the XXXX XXXX DATA BREACH and is a victim of IDENTITY THEFT. Please have these accounts removed from my credit report asap, I am in the home buying process and these two accounts are not relevant to me so they need to be removed. 

PROCOLLECT , INC  XXXX {$710.00} ( they are not even furnishing the complete information ) XXXX Original creditor : XXXX XXXX XXXX  {$760.00} XXXX incomplete reporting Please remove these accounts from my credit report
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MS)

Subject : Unauthorized Reporting and Request for Correction of Credit Information Dear XXXX, I hope this letter finds you well. I am writing to express my concern regarding unauthorized reporting and the inclusion of a new address on my credit profile. I already have been seriously harmed due the fact that you did not follow my written instructions the last time I reached out to your Information Services Department. Upon reviewing my credit report recently, I noticed that you never removed obsolete addresses as demanded, you have added a new address without my explicit consent, and my new auto loan is being reported without proper authorization. I would like to draw your attention to the following legal references that support my request for rectification : 1. **15 USC 6801-6808 - Duty to Keep Financial Information Private and Opt Out of Reporting : ** This statute emphasizes the duty to maintain the privacy of financial information and the consumer 's right to opt out of certain information sharing practices. 2. **15 USC 1681 - Accuracy of Report : ** This section of the law pertains to the accuracy and fairness of credit reporting, emphasizing the responsibility of credit reporting agencies to ensure that information is reported accurately. 3. **Privacy Act of 1974 : ** This federal law establishes principles for the fair handling of personal information by federal agencies. I believe the unauthorized addition of an address and reporting of my auto loan may violate the privacy principles outlined in this act. Per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 6802, I hereby notify you that I am opting out of any and all authorization, whether written, non-written, verbal, or non-verbal, that I may have given you as the consumer. I assert my right to control the dissemination of my financial information, as outlined in the aforementioned statutes. I kindly request your prompt investigation into this matter and the immediate correction of my credit information to reflect accurate and authorized details. I appreciate your attention to this issue and expect your timely response.
Consumer complaint received 2023-12-06
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: Experian Information Solutions Inc. (AZ)

The tradeline is inaccurate because I am not legally obligated to XXXX XXXX XXXX XXXX in the amount of {$34000.00} for the alleged chargeoff deficiency claim. 

Although XXXX XXXX XXXX XXXX was closed, it shows open. It contains inaccurate information regarding my account. Charged off accounts can't be open. Please delete immediately. 

Furthermore, the tradeline is incomplete because you have not verified the date of last activity with the creditor XXXX XXXX XXXX XXXX, since I had begun dispute regarding this creditor, it appears no actual creditor investigation was actually done, because the date verified did not change. Your verification procedures have allowed this which has been harmful to me and my family. The balance of {$34000.00} is not correct, and the date of late activity has re aged. Please delete it.
Consumer complaint received 2024-01-24
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The telecom company XXXX could not provide services agreed by contract ( and could not fix them ) on for 22 months and on top of it, made errors in billing that their financial division was unable to correct. So far, we have spent about XXXX hours trying to get fixed by them and trying to get help to make them do it. We have been customers of XXXX for XXXX years. The triggering point of these problems was when we moved to a nearby unit starting ( XX/XX/XXXX ). 

We worked with all levels of their company including simplest customer service phone number, technical teams, multiple people from the facade they call Office of the President ( OTP ) ( starting XX/XX/XXXX ) and even to one of their CEOs at the end before we decided we are not going to go through this anymore. We went through constant harassment of many kinds including disruption of service and finally ( force ) terminated service on XX/XX/XXXX as we refused to pay what XXXX claimed as we owe them. 
They will send email saying they are going to disrupt service with opportunity to send if we dispute any charge they claim as owed to some address ( probably their internal collection service address in Florida ) and that they will respond by getting verification, they did not respond a single of the XXXX times we wrote. They reported our account as collection in XX/XX/XXXX affecting my credit significantly. 

XXXX did not send any notice or opportunity to dispute prior to sending it to collection and reporting to credit bureaus in XXXX, XXXX, and we came to know of it through email from the credit reporting agencies. When we tried to handle ( remove the notation, because that is an incorrect information ) directly through the credit reporting agencies ( TransUnion and XXXX ) XXXX these agencies respond that XXXX says we owe them and not correct and not remove it. 

Subsequently well after the 30 days typically CFPB stipulates by when the consumer has to be informed, another company XXXX sent a notice of collection dated XX/XX/XXXX on behalf of XXXX that we received on XX/XX/XXXX and had a date of XX/XX/XXXX to file a dispute with XXXX. I called XXXX on XX/XX/XXXX ( as their online system once we did not pick the few options available and picked other did not let us submit and gave a message to call ) and provided the facts, they summarized the facts and said that given the facts that throughout we have been experiencing poor and often unusable services we should not be owing any balance though I did mention lot more of the errors and problems we faced ). Further, during that call I also found that XXXX is an arm of XXXX as they answered and mentioned several times, including thanking at the end to call and give them the facts, as XXXX XXXX 

I talked to one of CFPB team members and they suggested that I should name the financial companies in this complaint. 
More details in enclosures.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

On XX/XX/2018, the servicing of my loan was transferred from XXXX XXXX  XXXX to Bayview Loan Servicing. The loan was originated in XX/XX/2018 and an initial payment was made XX/XX/2018, as XXXX XXXX required the loan to be one payment ahead to set up biweekly payments. Biweekly payments were set up and shortly thereafter I was notified that the loan servicing was being transferred. When the servicing was transferred, the balance on Bayview Loan Servicing 's website did not reflect the payment I made in XX/XX/2018. Additionally, they told me I wasn't allowed to make biweekly payments on the loan, even though I had already set up biweekly payments with XXXX. I spent approximately 8 hours on the  phone with Bayview trying to resolve these issues and found them rude and very unhelpful. The last I heard they were reaching out to XXXX about the missed payment. When I called to follow up, they told me it would be at least 30 days. My experience with Bayview thus far has been horrible and I am almost ready to refinance the loan so that I don't have to continue dealing with them.
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IL)

To who it may concern I bought a service on XX/XX/XXXX for XXXX from XXXX XXXX and XXXX. This service was ongoing service but after our initial talk they were out of reach for multiple months and have not gotten the service that was promised. I filed a dispute with my credit card company but was unable to resolve this issue.
Consumer complaint received 2023-12-26
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)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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
Consumer complaint received 2019-01-02
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: EQUIFAX, INC. (MI)

So I filed a dispute with Equifax, about inaccurate reporting information about my bankruptcy, I asked them to update the correct filing date, they responded back and said they verified the information through the county where I live. I then responded to them and informed them that they cant possible verify information through the county of michigan, because the county does not  have that information and does not give that information to credit company 's and third parties. The verification would have to come from the federal bankruptcy court in which it was filed, and the clerk off will not also give that information to credit company 's and third parties. so this is proof that a fraudulent verification was conducted, or not done at all. and if they used XXXX I have a security freeze with this company., so since they are unable to verify this information please remove this incorrect form my credit profile IMMEDIATELY.
Consumer complaint received 2024-04-22
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. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. XXXX