davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (GA)

Truist Bank Checking Account Transactions- all dated XX/XX/XXXX ; listed in order : {$890.00} - direct deposit {$370.00} - XXXX  transfer {$280.00} - XXXX transfer {$36.00}. - overdraft fee {$20.00} - ATM withdrawal {$36.00}. - Overdraft fee {$120.00} - ATM withdrawal {$36.00} - Overdraft fee The direct deposit covered every transaction i completed ; I should not have been charged overdrafts. Truist will not remove because only two every two years ; same problem twice before and no more courtesy removals.
Consumer complaint received 2023-09-20
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)

Under the Fair Credit Reporting Act, XXXX  Account XXXX for 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 also states that a consumer reporting agency can only furnish an account with my written instructions. 

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.
Consumer complaint received 2024-04-21
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-23
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. (AL)

I submitted my initial complaint on XX/XX/2023. This is my 2nd attempt to solve major problems to my credit report. I requested for the Transunion to send me the procedure in which they verified the negative accounts on my credit report. I received NOTHING showing this verification method. However, there were several erroneous UPDATES added to my credit report. I have attempted several times to get this problem resolved with Transunion concerning erroneous, incomplete and inaccurate items on my consumer report to no avail. Transunion has continuously violated my rights as a consumer as to the Fair Credit Reporting Act that states that Accuracy and fairness is my right. The Fair Credit Reporting Agency also states that there is a NEED to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy and those things have not been done in my case. The following accounts continue to show up on my consumer report month after month : U S DEPT OF ED Account # XXXX and XXXX/DOFED Account # XXXX. These accounts are erroneous and inaccurate. I did not give permissible permission for these items to be reported by the consumer reporting agency to the consumer report. Please help me get these accounts DELETED permanently from my consumer report.
Consumer complaint received 2023-09-23
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

When I open my account. They put me on a program payment security program with my authorization. I never asked them to put me on that program. And they put me on that program from XXXX to XXXX. The Program calling is payment security program. They charge me the amount XXXX I have a credit card amazon credit card from c SYNCHRONY bank
Consumer complaint received 2023-08-31
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. (VA)

I reviewed my consumer reports and noticed that I had one late payment in XX/XX/2020 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 not ever not once been late on a payment for this account ( below ). 

Account name - XXXX XXXX  Account number - XXXX ( Trans Union XXXX XXXX ( XXXX ) XXXX ( XXXX ) Please investigate and provide proof with statements, showing and verifying that I was late on this payment. If proof cant be provided a demand this payment be updated to on time as I was NEVER late to begin with. Thanks.
Consumer complaint received 2024-04-21
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. (CA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2018-12-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MN)

US Bank Home Equity Line Of Credit was taken out in XX/XX/XXXX, made interest only payments, started getting behind because of business failure due to The Great Recession. In a XX/XX/XXXX, was served papers from US Bank by a Sheriff, and was forced into Bankruptcy. While in bankruptcy, banks are not allowed to send statements, but as soon as the discharge was done, US Bank was the first to start sending statements again, so I started making payments again, then the loan ballooned and payment triples and I fell behind. I have been paying as much as I can as I am XXXX since XX/XX/XXXX and am unable to work, was unemployed at the time they gave me the loan, hence I do not have an income nor did I have an income back then but I got the loan anyway. They even stooped as low as taking overdraft and late fees out out of my sons account charging as much as {$400.00} dollars within hours, {$39.00} x10 in less than a few hours until I could get them to stop! All of a sudden US Bank stops sending my statements in XX/XX/XXXX because they say that I did not reaffirm after the bankruptcy and that I had fallen through the cracks as I should not have been sending statements! Finally got to talk to someone about this and was told I have 7 days! I have been paying on this loan for 14 years and have less than {$2000.00} that has gone onto the principal, now they are forcing foreclosure on me again which means I have to hire an Attorney or borrow to pay them which would mean less payment to US Bank. These are predatory loans, the terms for people are overwhelming, corrupt and unfair. Their ability to be able to put fear of losing our houses is unconscionable! I have gone to our local US Bank office to seek assistance and was told " it's out of our hands, it's been sent to an Attorney ''. This ridiculous! US Bank is not the first in line for my house and my reputation and credit is ruined! I have consulted with credit counselors with no help available. US Bank states that they have the right to receive or reject payments without waiving any of our herein or otherwise, including the right to proceed with foreclosure!
Consumer complaint received 2023-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was told about a reclamation on my account, but was not provided with supporting legal documents. Over six weeks of this process and still no results. My account was depleted to zero balance. My social security is my only source of income-I am retired.
Consumer complaint received 2023-12-23
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

I OPENED UP AN ACCOUNT AT BETHPAGE FEDERAL CREDIT UNION, MANY YEARS AGO, JUST TO HAVE A LOCAL ACCOUNT, WHICH I WAS USING TO CASH CHECKS, ETC. MY MAIN ACCOUNT IS XXXX XXXX XXXX XXXX, WHICH I OPENED IN 1980. SINCE THEY DON'T HAVE BANKS IN NY, I USED BETHPAGE AS A SHARED BANK, WHICH LET 'S CASH CHECKS AND MAKE DEPOSITS AND WITHDRAWLS. I WAS ABLE TO DO THIS WITHOUT AN ACCOUNT AT BETHPAGE. BUT I OPENED ONE UP ANYWAY. NOW, ALWAYS USING MY XXXX XXXX ACCOUNT FOR MY BANKING NEEDS, MY BETHPAGE ACCOUNTS WENT DORMANT. SO TODAY I GET MY STATEMENT FROM BETHPAGE AND XXXX AND BEHOLD, IT WAS CLOSED OUT, WITHOUT MY KNOWLEDGE OR ANY TYPE OF NOTIFICATION FROM BETHPAGE, LIKE AN E-MAIL, USPS LETTER OR PHONE CALL. ZERO-ZILCH-NADA! THE TOTAL AMOUNT WAS SMALL, {$10.00} IN BOTH ACCOUNTS, SINCE XXXX NEEDED A MINIMUM BALANCE TO OPEN AN ACCOUNT THERE. SO I CALLED THE PHONE NUMBER XXXX AND GOT A CLUELESS CUSTOMER SERVICE REP, PUTTING ME ON HOLD 3 TIMES AND STILL REALLY COULDN'T HELP ME, SAYING I MUST HAVE GOT A LETTER 3 YEARS AGO, SINCE THAT IS HOW LONG THAT IT WAS DORMANT. I TOLD HER I DOUBT THAT HAPPENED AND I WOULD HAVE REMEMBERED A SEPARATE LETTER TELLING ME OF MY DILEMMA. SO I ASKED FOR A MANAGER. XXXX GOT ON THE PHONE. I TOLD HIM WHAT HAPPENED AND HE WAS ALL APOLOGIES, BUT HE COULD NOTHING TO HELP ME SINCE MY ACCOUNT WAS CLOSED? I ASKED IF HE COULD REVERSE THE {$5.00} SERVICE CHARGE AND HE SAID NO, GET READY. BETHPAGE SPENT {$5.00} OF MY MONEY TO SEND {$4.00} FROM A DORMANT ACCOUNT? I ASKED XXXX DOES THAT MAKE ANY SENSE? RATHER THAN JUST SEND ME A CHECK FOR {$10.00}. HE SAID THAT IS THE PROCEDURE THEY USE. I AM IN THE BANK MAYBE ONCE A MONTH AND ALWAYS HAVE TO SHOW MY LICENSE, WHEN I CONDUCT ANY BUSINESS THERE WITH MY XXXX XXXX  ACCOUNT. NOW, NO ONE COULD HAVE TOLD ME WHAT WAS GOING ON WHEN I WAS AT THE BANK? HOW PATHETIC. HE TOLD ME TO GO TO XXXX TO CLAIM MY FUNDS. THERE WAS NO LISTING OF MY MONEY AFTER I FILLED OUT THE FORM? I AM A SENIOR ON A FIXED INCOME
Consumer complaint received 2023-12-23
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. (NJ)

I have accounts and inquiries on my report. 

Accounts XXXX. XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$75.00} XXXX. XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$220.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I noticed on my credit report I have a high number of inquiries. I never authorized these inquiries. I contacted Transunion immediately, they said they had to do an investigation and that it may take 30 days. I am past 45 days and still haven't heard anything or received any proof. I ask that the following inquiries below be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kingston Data & Credit International Inc. (OH)

Dear Sir/Madam, I am writing to file a formal complaint about an incorrect derogatory mark on my credit report, which has significantly impacted my credit score and financial well-being. Despite my efforts to resolve this issue through appropriate channels, there has been no satisfactory resolution, prompting me to seek the CFPBs intervention. 

XXXX. Incorrect Information Details : Account Name/Number : XXXX XXXX XXXX # XXXX Disputed Item : Derogatory mark for alleged unpaid membership fees Reported By : XXXX XXXX and XXXX XXXX Date Reported : Retroactively on XX/XX/XXXX XXXX. Background and Steps Taken to Resolve the Issue : I was a member of XXXX XXXX under an XXXX contract from XX/XX/XXXX, which was completed on XX/XX/XXXX. My account was initiated at the XXXX, Ohio XXXX XXXX. I was notified that my membership was being transferred to the XXXX, Ohio XXXX XXXX at some point during my 18 month contract. Following the satisfaction of the terms of my agreement, I continued on a month-to-month membership basis. In late XXXX XXXX, I made several attempts to cancel my membership and requested the cessation of charges to my credit card, both verbally and in writing. My communications were disregarded, and charges continued. Moreover, in XXXX of XXXX, I sustained an injury that rendered me unable to work as a full-time firefighter ( my primary income source ). Ultimately, I was unable to exercise either as I would undergo XXXX on XX/XX/XXXX. ( see attached doctor 's note ) In XXXX of XXXX, I was contacted via XXXX Mail by XXXX, XXXX, and XXXX regarding a debt collection attempt. I communicated with them via email on XX/XX/XXXX and XXXX, XXXX, and sent a certified letter on XX/XX/XXXX, requesting an investigation into the matter, all of which were ignored. I called them on XX/XX/XXXX to follow up after no communication was received. They replied, stating simply that they had " closed my account. '' The representative I spoke with was not helpful and offered no other information. 

Subsequently, I discovered a derogatory mark on my XXXX credit report dated XX/XX/XXXX, placed by XXXX XXXX and XXXX XXXX a company I had not previously been in contact with, or knew existed. The first communication from XXXX was received on XX/XX/XXXX, nearly a year after my initial dispute and cancellation requests. The presence of multiple collection companies further complicated the matter and rendered me totally confused and helpless about who to contact to resolve the " debt. '' Despite my dispute filed with XXXX on XX/XX/XXXX, and exhaustive attempts to communicate in good faith with XXXX XXXX, XXXX, XXXX, and XXXX, and XXXX XXXX, there has been no resolution or acknowledgment of my efforts to rectify this error and the incorrectly placed negative mark remains on my credit report.
Consumer complaint received 2023-09-23
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. (TN)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (TN)

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. 

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

15 U.S.C 1681 Section 604 Section 2 : It also states, a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make a consumer report containing any of the following items of information. Any other adverse items 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 calls to believe that the information is inaccurate
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

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 2023-12-23
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. (ID)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (FL)

On XX/XX/2023, I received an alert from XXXX stating the debt collection company Caine & Weiner updated a {$0.00} balance to my credit reports under collections. The balance was paid to the original company. This collection account is affecting my credit negatively.

15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request payment validation, privacy, and accurate information on all three credit reports.