davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
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. (IL)

am writing to file a formal complaint against TransUnion for its repeated refusal to conduct a reasonable investigation into disputed items on my credit report and its failure to provide requested information, despite multiple requests and provision of necessary documentation. 

On XX/XX/2024, I diligently submitted a dispute letter to TransUnion via USPS certified mail Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, requesting details on how they verify the accuracy of the information on my credit report. Specifically, I asked for specifics such as the date of verification with the creditor and the furnisher, contact information of the creditor and the furnisher, the name of the person who verified the information, the method of communication used for verification, and whether the creditor and the furnisher provided my Date of Birth, SSN, and Address. Despite providing ample evidence to verify my identity and address, TransUnion once again refused to conduct the requested investigation. 

Subsequently, I received a response from TransUnion, dated XX/XX/, which stated : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is inadequate and fails to address the substance of my dispute and inquiry. Additionally, Under the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the completeness or accuracy of any item of information in their file at a credit bureau, the bureau is required to conduct a reasonable reinvestigation to ascertain the accuracy of the disputed information. 

TransUnion 's repeated refusal to conduct a reasonable investigation into the disputed items on my credit report and its failure to provide requested information are clear violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). As per the FCRA, credit bureaus are required to conduct a reasonable reinvestigation when the completeness or accuracy of any item of information in a consumer 's file is disputed.
Consumer complaint received 2024-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NC)

I recieved a noticed from XXXX XXXX XXXX XXXX XXXX  that I owe {$540.00} for a credit card that I did not apply for. I am a victim of identity theft and this shouldn't have happened. I have no knowledge of this account nor did I make those charges.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

You obtained my credit report from XXXX XXXX XXXX on XX/XX/year> and the inquiry was coded as if I had applied for credit, insurance, housing, etc. You also failed to respond to my request for your permissible purpose which you received on XX/XX/year>. I can only assume now that you had no permissible purpose. As your legal department knows, civil liability in this matter is {$1000.00} in damages. I am offering to settle this matter as follows : Permanently delete the inquiry, or overnight me a cashier 's check for {$1000.00}. I will give you 20 days to make a decision. 

XXXX XXXX XX/XX/year> and XXXX XXXX XX/XX/year>.
Consumer complaint received 2023-08-31
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. (CO)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX : {$30000.00}.
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (OK)

In Accordance With The Fair Credit Reporting Act 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 a account without my written instructions
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2024-04-25
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)

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Consumer complaint received 2024-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY (UNITED STATES MINOR OUTLYING ISLANDS)

Mortgage payments - I was under the impression that if you pay half your monthly mortgage payment early you could pay the loan off sooner.. When I recently set up automatic withdrawals I set up XXXX payment on the XXXX and XXXX payment on the XXXX for the foloowing months mortgage payment. I recently recieved a letter from the bank stating they would not apply my funds to the mortgage until they had the full ammount, on the XXXX. Is this normal? Has the process changed? 

Please advise. 

XXXX XXXX
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 2024-04-25
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)

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Consumer complaint received 2024-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIRST PORTFOLIO SERVICING INC (NC)

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Consumer complaint received 2023-12-29
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. (TX)

It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2024-04-25
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'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO. (NY)

In XXXX, 2024 the vehicle was involved in a car accident and it was totaled The Insurance Company, paid Chase the full value of the loan. This payment was made in XXXX. 
Since that time, Chase continues to draw money from my account for this loan even though it was fully paid off with the insurance check. 
I have asked them to stop, and to provide a lien release so that I can obtain another car,. 
At this point, it has been over 6 months that I have not had a car, and I have been required to continue to make loan payments on an account that has been fully satisfied. 

I am unable to get a new car, and I am unable to perform my required job duties since I can not get a car.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NY)

In XXXX I opened an account with Chime banking institution for the direct depositing of my XXXX benefits from the Georgia Department of Labor as advertised. After two or more deposits over time, my account frozen then later closed with no notice or explanation as to why. The funds on the account for were never returned or refunded. For the last four years I remained in contact to inquire and receive my funds. I was given several different reasons for the closure over time that do not align with any activity on my account. Information appeared to inconsistent between departments and the only response I received were vague automated emails that only stated I was not eligible for refund. I believe this to be fraudulent, because I am the only individual authorized to receive these payments from Georgia state. Yesterday on Tuesday, XX/XX/XXXX was the last day I will be my last attempt to resolve this issue with this company. I have place an inquiry with Georgia DOL and will be also reporting UI fraud for stolen benefits. I have experienced financial hardship and homelessness, due to this situation during the pandemic.The reason for the length of time before following up with this matter is now I have financial means to pursue this matter civilly and/or legally.I have provided verification of my identity on numerous occasions to this corporation to no avail.
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

Non-receipt of Debt Information : I did not receive any notification from [ Creditor/Debt Collector 's Name ] regarding this debt. According to the Fair Debt Collection Practices Act ( FDCPA ), I should have been provided with written notice detailing the amount of the debt, the name of the creditor, and my rights to dispute the debt within five days of their initial communication. This notice was never provided to me. 

Lack of Knowledge of Dispute Rights : I was unaware of my right to dispute this debt. As per the FDCPA, I should have been informed that I have the right to dispute the validity of the debt within 30 days from receiving the initial notice. Since I did not receive such a notice, I was not aware of my rights to dispute. 

Absence of Dispute Rights Notification : The creditor/debt collector failed to provide me with a notice of my dispute rights. This omission is a violation of the FDCPA, which mandates that consumers must be informed of their right to request validation of the debt and dispute it if necessary.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have inaccuracies across Transunion. On my XXXX, they are reporting I made payments to the account. Transunion is reporting that I made XXXX payments. I have the documents below to prove this. I would like these articles deleted from my credit report per FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA,
Consumer complaint received 2024-04-25
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. (FL)

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ablity to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Concerning the entry on my report by XXXX XXXX XXXX, mentioning an incorrect amount of {$1000.00} and dated XXXX, I assert my FCRA rights. Section 611 ( a ) grants accuracy verification, Section 623 demands precise credit reporting, and Section 611 ( a ) ( 1 ) allows dispute of erroneous data. I also refer to FDCPA, TILA, and CFPA for fair treatment. Kindly investigate and rectify this entry to ensure accurate credit reporting.
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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 2024-07-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (MN)

Citibank has called me more than 7 times in 7 days in an attempt to collect a credit card payment. This is a clear violation of the FDCPA guidelines. The XXXX number in the attached screenshots is the number Citibank is calling from. I know this because this is the phone number theyve left voicemails from.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CBC Companies, Inc. (OH)

I am a mortgage lender that pulls credit on my clients that contact me for their requests. 
The constant badgering of outside mortgage companies that contact our clients constantly with numerous calls a day is out of control. This practice of selling our client 's confidential information that the credit bureau is given should be illegal and should be considered the same as the medical industry 's violation of HIPAA.
Consumer complaint received 2024-07-01
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: STATE EMPLOYEES CREDIT UNION (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-04-25
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. (NY)

These collections and charge-offs were all on settlements and after XXXX, XXXX came back and said that they all werent settled completely. I have XXXX XXXX, from XXXX XXXX XXXX handling this since then. We will submit an email or fax any info you need please contact her.