davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have recently discovered that XXXX has already updated the negative status and removed the late dates associated with this account from their records. It has come to my attention that there was an error present, and XXXX was able to identify and rectify it. I am confused about how this discrepancy exists, considering the other bureaus have successfully updated the information. I kindly request that you promptly investigate and rectify the inaccuracies in the reporting of this account. Specifically, I am seeking the removal of late dates and the update of the negative status to reflect accurate information. This discrepancy is not only inaccurate but also erroneous, incomplete, and unverifiable. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2024-01-02
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)

I demand that these requests be removed as soon as possible and that my credit score be modified appropriately, as I did not permit these companies to get my credit report. I also want a copy of my updated credit reportwhich shows these changessent to me 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 XXXX XXXX XXXX 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 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NC)

I am writing to you guys because I had a Credit line with citi bank. During this inflation things have been hard on my family and I making it almost impossible to keep up with my bills. I had a balance with citi bank and I happen to receive a settlement offer. I happen to accept the offer, when I called today to find out why there has been no change in my account I was informed my account has been closed. I was never informed of my account being closed nor was I ever explained any of this when I called to make arrangement for the settlement. I was extremely disappointed because I was thinking I was being able to settle things and not have my credit affected but this company has closed my account not allowing me to be able to make things right. I took the settlement because I didnt want my credit being affected and this will affect me the same way. I have reached out to citi bank and was told there is nothing they would be able to do. The only thing left for me to do is reapply. Which I dont how that would make any sense. This company did not try to help me nor care about my finances. I would like to get help on being able to fix this matter
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have carefully reviewed my credit report profile, and I believe that the information reported by your bureau has failed to maintain reasonable procedures to assure the maximum possible accuracy, as mandated by credit reporting laws. The following information requires immediate reinvestigation, as it is entirely inaccurate and incomplete. I respectfully request that you provide proof of the alleged items, including the contract, note, or any other instrument bearing my signature. In the absence of such documentation, I insist that the items be promptly deleted from my credit report to ensure compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. The inaccurate items in question are as follows : XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. In accordance with FCRA 15 USC 1681, I expect your bureau to take every necessary step to assure the accuracy and correctness of the information reported in my credit profile. Furthermore, I request that corrected credit profiles be supplied to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes.
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. It is distressing to know that you have included incomplete and erroneous details in my credit report, and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports that you publish. The credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. However, it appears that you have failed to adhere to these laws, and have continued to report inaccurate information. I demand that you immediately investigate the following information, and provide me with proof of the alleged item, specifically the contract, note, or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX and XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX. The listed items are completely inaccurate and incomplete, and are a very serious error in reporting. It is unacceptable that you have continued to report such misleading information, despite being informed of these errors by other credit bureaus.
Consumer complaint received 2024-01-02
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. (MD)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
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)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
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. (OK)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-01-09
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. (CT)

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Name : XXXX XXXX XXXX XXXX Account number XXXX Account Name : XXXX  XXXX XXXX Account number XXXX Account Name : DEPT OF EDXXXX Account number XXXX Account Name : US DEPT OF EDUCATION Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Dear Sir/Madam, I am writing to bring to your attention a matter of concern regarding the negative impact on my credit standing. This issue arose as a result of following the advice of a debt consolidation company, specifically the representatives of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Upon seeking assistance from the debt consolidation company, I was advised not to make monthly credit card payments with the intention of allowing these accounts to close. The subsequent closure of these accounts has resulted in a significant decline in my credit scores. Furthermore, reputable financial institutions such as XXXX now have records of me being 90 days or more past due, despite my prior good standing. 

I would like to emphasize that prior to following the advice of the debt consolidation company, my credit accounts were in good standing, and I had a responsible track record of timely payments. The impact of this advice on my credit standing has been distressing and has caused significant inconvenience and concern. 

I have documentation and correspondence from the debt consolidation company, including details of the advice provided and the intended resolution through settlement with lower numbers on these accounts. I believe that this evidence supports my case and underscores the impact of the advice I received. 

I kindly request that you investigate this matter and make the necessary corrections to my credit report. I am committed to resolving this issue and restoring my credit standing to its previous favorable status. 

Thank you for your attention to this matter. I am available to provide any additional information or documentation as required. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-02
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)

XXXX  like to request the removal of multiple unlawful hard XXXX  inquiries from XXXX XXXX report. I've obtained a copy of XXXX XXXX report from your XXXX  and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX OF XXXX XX/XX/2023 XXXX CARD XX/XX/2023 XXXX XXXX, XXXX XXXX XX/XX/2023 XXXX OF XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX OF XXXX XX/XX/2023 XXXX AUTO XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX SER XX/XX/2023 XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX SER XX/XX/2023 XXXX XXXX, BEST XXXX XX/XX/2023 ALLY FINANCIAL XX/XX/2023 XXXX OF XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX, XXXX XXXX XX/XX/2023
Consumer complaint received 2023-04-27
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (CA)

On XX/XX/2022 I purchased a business model called the XXXX XXXX XXXX XXXX XXXX through XXXX XXXX featuring its owner XXXX XXXX. I purchased a service where they set up everything to go as PARTNERS to sell affiliate marketing services. Mainly, a diet product. I followed all the requests to purchase additional tools and had given them access to them so they can do their part. I also followed all the trainings to set up the XXXX page required. We have been getting shut down while I have been wasting extra money on paid ads, the reason for the shutdowns I now find out is because they keep creating multiple profiles which is strictly forbidden by XXXX. For this reason, XXXX has shut down my Ad account and I can no longer or ever advertise with them for life for ANY products or services. I have brought all my complaints to the XXXX XXXX support team that is handling my partnership and all I get is the run around. They don't answer. I've posted my complaints on their community forums only to be told to contact support and weeks later I get answers. I keep getting bombarded with emails to purchase additional services to " make my partnership work ''. I was supposed to only pay for this {$1900.00} fee and that was it! The rest of the expenses on advertising is obviously extra but for them to have the nerve to not get my partnership going is just unbelievable. So many other members are complaining and having the same issues. They just ignore everyone and block or erase posts. I have lost enough already, I want this part refunded and this guy XXXX XXXX investigated by the Federal Trade Commission. Paypal Credit is the credit card I used to pay for this and has denied me a refund. They claim that I made a contract with them, I sure did... They did not come up with their part of it! Wasting time responding, having me schedule " call meetings '' that all of the sudden would get canceled all to just gain time on the refund time frame so they could just rob and trick me. They suggest bad practices that I will not go for. It has been more than 7 months already and they have not delivered. Unacceptable.
Consumer complaint received 2024-01-02
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)

To Whom It May Concern, I am a consumer-defined under 15 USC 1681a ( c ). I noticed a charge off XXXX XXXX XXXX XXXX on my consumer credit report. According to the XXXX, a charge-off is defined as a certificate of indebtedness, meaning it is income and must be removed. Why are you reporting INCOME on my consumer report? The law says it's illegal to report transaction history. If not removed, I will file legal action. In Good Faith With Prejudice XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 

XXXX XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 

I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence.

Please manage your responsibilities accordingly.
Consumer complaint received 2024-01-02
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)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to dispute the late payment days and negative status associated with the following account on my credit report. This account is inaccurately reflecting late payments, and I believe there was a mistake on the bank 's side. The bank has acknowledged this error and has agreed to my request to rectify it as a goodwill gesture. Account Information : XXXX/XXXX  XXXX  Date Opened : XX/XX/2018 Balance : {$0.00}. I understand that accurate reporting is crucial, and I appreciate your prompt attention to this matter. Please conduct a thorough investigation, and if necessary, contact the bank to verify the information provided. I trust that you will make the necessary corrections to ensure the accuracy of my credit report. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Consumer complaint received 2024-01-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Mr. Cooper Group Inc. (PA)

I was going to refinance my home to have my deed changed to get my ex wife off of the deed. I had scheduled an appraisal but do to legal issues I had to hold off on the appraisal. My loan officer XXXX XXXX told me she would hold the XXXX appraisal fee until I was ready. I called on XX/XX/4 and was told by a Rep that they had no information at first on my account, then she came back on the phone 45 minutes later and said that the check was refunded to us they next day after we paid the fee, but had no check information or EFT. She advised she was going to send us a refund letter to my email that we never got. My payment had NEVER been sent back. They will not answer my calls. I called 5 more times after and they keep disconnecting my calls. Also the loan officer is no longer working there is what I was told. XXXX XXXX, and XXXX XXXX. Were the XXXXwo I was working with.Also changed my loan # without my knowledge. I think that they are ripping me off with my PMI and my mortgage payments as well Please help. Thank you. XXXX XXXX.
Consumer complaint received 2024-05-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (MO)

I had a loan with One Main Financial and I borrowed money from my local bank to pay off the One Main loan. They received the check on XX/XX/2024 and the check clearly stated not to convert the check to an ACH. They converted it anyway and failed to endorse the check correctly causing my bank to return the check for proper endorsement. While this was happening they assured me they would short pay the loan back to XX/XX/XXXX and refund the {$25.00} fee they charged me. I paid interest to XXXX banks on the same money on a situation that was not my fault. They sent a check for {$470.00} and they owe me {$750.00}. They didn't give me credit for the add on GAP protection either. The statement clearly says that should be deducted off balance owed.. XXXX and XXXX are the ones I mostly talked to, XXXX XXXX finally got a supervisor to send it to another department. They said 24 to 48 hours and it's been a week.
Consumer complaint received 2023-08-26
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. (GA)

Hello, I have been disputing these collections. Based on the FACTA ACT these accounts should be investigated properly. These accounts are still affecting my score and are not accurate, not my account and not validated. 

I would like these accounts investigated and removed immediately based on law 15 U.S.C 1681 i 7 and to know what steps were taken. 

Accounts : XXXX XXXX XXXX - {$11000.00} XXXX : {$450.00} XXXX XXXXXXXX : {$580.00} XXXX  Automated Collections : {$1300.00} XXXX XXXX XXXX  : {$870.00}
Consumer complaint received 2024-04-26
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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX  XXXX XX/XX/XXXX. 
XXXX  XXXX XX/XX/XXXX. 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-04-26
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX