davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-18
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. (LA)

I have asked time and time again to delete all negative accounts and collections that i dont recognize my i.d has been stolen twice along with my social and birth certificate so there is alot of those accounts i do not recognize at all so i am asking again PLEASE DELETE THOSE COLLECTIONS AND NEGATIVE ACCOUNTS IMMEDIATELY THANKS
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (NY)

Dear US Bank, After exhausting all reasonable avenues for resolution within your customer service channels, XXXX  and CFPB, I am formally requesting arbitration to seek a fair and expeditious settlement. 

Specific Issues and Potential Violations : Over the past several months, I have encountered the following significant problems with my account : Non-receipt of a replacement debit card : Despite repeated requests and assurances, I have not received a replacement debit card, causing significant inconvenience and hindering my ability to access my funds. This constitute a violation of the Electronic Funds Transfer ( EFT ) Act, which requires financial institutions to conduct electronic fund transfers in a timely and accurate manner. 

Unexplained closure of my account : Without prior notice or explanation, my account was abruptly closed, effectively limiting my access to my own funds. This action potentially violates the Fair Credit Reporting Act ( FCRA ), which imposes specific requirements on banks before taking adverse actions against a customer 's account. 

Lack of transparency and unresponsive customer service : Despite numerous attempts to resolve these issues through customer service channels, I have been met with inadequate responses, transfers between representatives, and a persistent lack of clarity regarding the reasons behind the account closure and ongoing review. This lack of transparency may violate the Fair Debt Collection Practices Act ( FDCPA ), which requires creditors to communicate fairly and accurately with consumers. 

Fair Credit Reporting Act ( FCRA ) : The FCRA does indeed regulate how banks and other entities use and report credit information. Before taking adverse actions based on information in a consumer report ( such as closing an account ), the bank must provide the consumer with a notice, including the specific information upon which the adverse action is based. The consumer has the right to review and dispute this information. 

State Laws : These laws vary by state but may prohibit unfair or deceptive practices, ensuring that banks follow proper procedures and provide consumers with notice before closing an account.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX we traded this car in from Capital One Auto finance when they took the vehicle and was supposed to pay off the balance, they never sent the check to the new companies then reported me 30 days pass due in XXXX of 2023 which is incorrect
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In XXXX of 2022 I was behind on a few payments through XXXX. I paid any past due balance and the current month total and I continued as usual with my automatic payments. My car was not repossessed. I kept making payments on time and thought nothing of it. Several months later there was a charge off on my account and my credit tanked. It has ruined my life as well as my husband who is the co-borrower because we can not obtain a student loan for my child due to this being considered an adverse event. As you can see from the attached statements that XXXX sends me every single month, the status is " CURRENT '' and my balance due continues to decrease. I know XXXX is being sued for very similar deceptive practices in other states. How is it they're able to benefit by slapping me with a charge off and getting this as a tax write off AND simultaneously getting my payments monthly and telling me I'm current and on time and essentially nothing is wrong? I still own and pay for my car.
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (IN)

In XXXX I called direct express concerning charges that I wasnt familiar with. They credited my account my account XXXX a some dollars. Then took it back out. Then on XX/XX/XXXX they took {$470.00} out for both XXXX and for an account Id never heard of and never agreed to. And so they paid them twice and wont even listen to me.so Im outthatmoney twice. And I cant afford this on what I get.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am lodging this complaint on my own behalf. After reviewing my credit record, I found instances of late payments. Despite sending letters over 30 days ago, I have yet to receive a response, and satisfactory validation has not been provided. I kindly request your assistance in resolving this issue.
Consumer complaint received 2024-01-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (NC)

I called Wells Fargo to ask to skip one payment on my mortgage which was a program they offered in the past as a courtesy. Wells Fargo would add the excused payment to the end of the loan. Was advised bu the home preservation rep they no longer offered that program but referred me to NC XXXX XXXX XXXX and said no negative credit reporting would happen while in the program on numerous occasions. On the referral from Wells Fargo I enrolled in the NC XXXX XXXX XXXX which was in contact with Wells Fargo and notified them I was in the program and payment would be processed. I was approved for XXXX months of assistance and the program would forward payments directly to Wells Fargo. I was in constant contact with Wells Fargo during the program ( which Wells Fargo should be able to pull ALL the calls made to their XXXX XXXX department since they are recorded. Wells Fargo pulled one call in XX/XX/2023 and stated no one said no bad impact to my credit which I contest ) and was told the NC XXXX XXXX XXXX would take a few months to process the payment to Wells Fargo and there would be no negative impact to my credit. Wells Fargo with knowledge of me being enrolled in a program they referred me to, and mortgage payments were going to be paid, reported me late to credit bureaus and ruined my credit on purpose. When full payment was made, Wells Fargo never reported the payments to the credit bureaus without me contacting them and complaining that they received all their money to date.I have attached the Award letter from the NC XXXX XXXX XXXX that Wells Fargo also received on my behalf. Wells Fargo caused me financial harm which proves they should be put out of business. They participate with bad business practices and do not care about their customers at all. Please investigate how many innocent consumers who sought out help from Wells Fargo, were referred for that help and then purposely harmed financially by Wells Fargos Actions. There is no excuse for their actions. I hope the XXXX XXXX XXXX will protect us consumers and go after Wells Fargo once again with their history of fraud and bad business practices.
Consumer complaint received 2024-04-18
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)

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, 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 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.

These are stopping me from getting a house for my family
Consumer complaint received 2024-04-18
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. (NJ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-01-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada) (NV)

XXXX -** I visited XXXX XXXXXXXX & XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX for my dental check-up. However, the dental office did not disclose any pricing before the activity. They went ahead and charged me {$67.00} for a panoramic X-ray, of which I was not aware. At the same time, it was the first consultation which they claimed free, at the beginning of my consultation, as well as banners around the office. 

XXXX -** I contacted my insurance provider, XXXX, and they assured me that they had informed the dental office about the issue, assuring that the charge will be removed from my account due to the lack of prior pricing information. 

XXXX -** I received a call from a collection agent at XXXX XXXX XXXX XXXX claiming that I had an unresolved debt from the dental visit. However, I was not aware of the situation, assuming it had been resolved a year ago when my insurance assured me that they would address the charge. 

XXXX -** Upon revisiting the dental office and speaking over the phone, the representative from the dental office claimed to have adjusted the billing on my account. They removed the charge from my account as a courtesy, and they confirmed that NO billings had been sent to the collection agency. The representative from XXXX XXXX has assured me the billing was not sent to the collection and mentioned to me on the record there is no collection record as the collection record was not stated on the document. 

XXXX -** I received another call from the collection agency. We have gathered some information from the phone agent working for the collection : - **Collection Company : ** XXXX XXXX XXXX XXXX XXXX **Phone Agent Name : ** XXXX - **Phone Number : ** XXXX - **Company Address : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX **Source of the Amount : ** XXXX XXXX ( as mentioned above ) - **Dollar Amount : ** {$67.00} - **Collection Account Number : ** XXXX
Consumer complaint received 2024-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NC)

On XXXX the XXXX XXXX, I received the attached letter demanding money. The demand letter was from Radius Global Solutions LLC. The demand letter was requesting XXXX which is incorrect, and I dispute it in its entirety. The demand letter states that it is for an account # XXXX from XXXX XXXX XXXX XXXX XXXX XXXX The person who received service from them according to the demand letter is XXXX XXXX whom I'm not familiar with. This letter demanding money does not belong to me, it is bogus and is fraudulent because, I do not know the person ( XXXX XXXX ) who received service from them on XX/XX/XXXX. In the interest of consumer focus, I am requesting that Radius Global Solutions LLC suspend their collection efforts and close their file. Furthermore, per their contractual requirements, I am also requesting that they close this account and return it to their client for further review. Along with this Complaint, a Formal Complaint will be filed with the of office of XXXX XXXX XXXX, Attorney General for the State of Minnesota. In addition, a complaint will be Filed with the office of XXXX XXXX XXXX, Insurance Commissioner office for the State of North Carolina against Radius Global Solutions LLC Sincerely, XXXX XXXX
Consumer complaint received 2024-04-18
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. (IN)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Consumer complaint received 2023-08-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (OH)

On Tuesday XX/XX/XXXX I filed a dispute with chime over unauthorized transactions for XXXX and XXXX. When I first called to reset my phone number I told the lady I did not have my chime catd. She told me she was going to reorder me one. I got an update about them changing my phone number in the text message. But no text messages or emails about these transactions that came out of my account. So when I logged in to get my digital card and send some money I seen that it was gone. I called chime right away and Filed a dispute. Not even a few hours later they denied it with no explanation.
Consumer complaint received 2024-04-18
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 have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.
Consumer complaint received 2023-08-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

There are fees that were not discussed before the contract. All my rights were waved once I signed the contract. Full disclosure was not provided. 

XXXX XXXX report was filed on XX/XX/2023. report number : XXXX we are filing this due to unconscionability of contract.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also state 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 make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedate the report by more the 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 information is inaccurate.
Consumer complaint received 2018-11-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LEADER ONE FINANCIAL CORPORATION (CO)

I contacted LeaderOne Financial in XX/XX/2018. I was told that we have plenty time before we have to get the ball rolling, since closing is set for XX/XX/2018. When we got to about three weeks before closing, LeaderOne Financial agreed to match a locked loan estimate I received from another lender on XX/XX/2018. They did this by working with and XXXX XXXX XXXX ( both in Colorado ). Three days later on XX/XX/XXXX, they simply said they can not match it anymore. They dragged their feet on the entire process so that I am forced to go with them. No other lender is able to close on time now. This is essentially costing me about {$10000.00} ( not out of pocket, but in lender credit and closing costs not to even mention the stress, time and effort ). 
I started getting suspicious when LeaderOne Financial outsourced to  XXXX XXXX XXXX, and started using personal email address rather than company email address. They both then outsourced to a major bank ( XXXX XXXX ) who called me and was upfront with me and explained there is no way they can do what these lenders promised me. Now they simply gave up and left me with the mess. I have to forego the deal on the new property and start from scratch.
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (WA)

This popped up on my credit info and I dont know who they are. I tried calling and got a generic rep that didnt help. I dont know if they were new. I told them I needed a written validation letter of who they are, who the bill is owed to with my signature acknowledging everything and have yet to get anything. Its been at least 3 months since last communication.
Consumer complaint received 2024-04-18
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 Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract 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 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

All three agencies ( XXXX, XXXX, and TransUnion ), are reporting inaccurate information on my reporting accounts that I disputed and mailed on XX/XX/2023, and in pursuant to FDCPA & FCRA Section 15 USC 1681 ( a ) ( b ) USC 6802 ( b ). I want these inaccurate accounts deleted immediately from my reports. 2 Collections ( XXXX XXXX XXXX XXXX XXXX XXXX ), 2 Closed accounts of XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint personally. After reviewing my credit record, I found instances of late payments. Despite sending letters over XXXX  days ago, I have not received a response, and they have failed to provide satisfactory validation. I kindly ask for your assistance in resolving this matter.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NC)

XXXX XXXX XXXX is reporting to the credit bureaus that I have an outstanding balance on an old credit card account for {$530.00}. I am trying to clean up my credit, so I called XXXX XXXX, and tried to pay them. They told me that they no longer had my debt in their office. I have repeatedly asked them who does have the debt now, but they said they do not have that information. They are not giving me an avenue to resolve the debt, yet they continue to report it on my credit report.
Consumer complaint received 2024-04-18
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.