davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of 90 Delinquent is incorrect because the balance due on this account is {$0.00}. 
XXXX Secured credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$200.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXXXXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I was never late on this account. I have made all my payments on time. was previously deleted and returned for some reason. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$680.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$260.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally sent this letter. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my initial compalint. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days.The initial thirty days for this dispute to be handled is passed. I have records showing my contact with you. I am requesting that my dispute is handled immediately and that the inaccurate item from my original request be updated. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-12
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)

On XX/XX/2023, XXXX XXXXXXXX XXXX XXXXXXXX XXXX closed my account in the amount of {$740.00}. They sent this information to the credit bureaus as a " Charge Off ''. Since then, they have not sent me a 1099-C form for a Cancellation of Debt for this item. I am requesting this be taken care off and delete this item from my credit report ASAP.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

Every month there is an additional amount added to the purchases without an explanation. Usually over {$1000.00}. This month it is {$1300.00} plus. 
Last month I paid twice, close to {$3000.00} total. 
I wrote for an explanation and didnt receive an answer to my question. 
I pay the charge in full each month. I feel that they arent making any money on me with the interest charge so they are adding amounts to be paid. Usury, I feel. 
When asked to explain they told me that the card is an international master card, which I already know. They didnt address the question. They are double billing I feel.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-07-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (CA)

XXXXXXXX XXXX locked out the HomeOwner since XX/XX/XXXX ; The house wrongful Forclosure on XX/XX/XXXX ; XXXXXXXX XXXX   failed to provide Owership of the Note, Perfected Note Holder in Due Court of XXXX XXXX XXXX ; the Mortgage and the Note should be together in order to have standing to forclose. It is impossible to provide the Note and the Mortgage together because the Note had been converted permanently to a stock then sold in the New York Stock Exchange that create {$1.00} XXXX is Year XXXX ; So, XXXXXXXX XXXX could not forclose the XXXX XXXX house, therefore XXXX XXXX XXXX XXXX XXXX XXXX Tresspassing the XXXX XXXX house on XX/XX/XXXX ; and not the XXXX XXXX XXXX XXXX dumping the XXXX XXXX house on the street, there was citation # XXXX XXXX XXXX in the amount of XXXX to be paid and storage fee to be paid to XXXX XXXX XXXXXXXX in the amount of {$3700.00} upto XX/XX/XXXX which is tomorrow. 
XXXX XXXX also demand XXXX XXXX XXXX XXXX XXXX XXXX to surrender the house key by tomorrow ; in order XXXX XXXX could make the Damage Report to the Court of the house and personal belonging. XXXX XXXX paid the utilities bill until now, XXXX XXXX supposed to stay inside the house instead of stay outside the house. XXXX XXXX  torturing the XXXX XXXX XXXX since XX/XX/XXXX which almost 2 years living deadly ont he street like animal in the zoo. Thank you. XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-11-15
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. (TX)

I trust this letter finds you well. I am writing to express my deep dissatisfaction and frustration with the ongoing challenges I have faced in attempting to remove fraudulent items from my credit file. Despite multiple attempts and extensive communication, the fraudulent entries persist, adversely affecting my creditworthiness and causing significant distress. 

Over the past several months, I have made repeated efforts to rectify the fraudulent information on my credit report by following the procedures outlined by your organization. I have submitted the required documentation, filed disputes, and contacted your customer service representatives on numerous occasions. However, to my dismay, the fraudulent items remain on my credit file, casting a shadow over my financial standing. 

I understand that addressing cases of fraud can be a complex process, and I appreciate the importance of thorough investigation. However, the prolonged delay and apparent lack of progress in resolving this matter have left me feeling helpless and victimized. The impact on my ability to secure credit, favorable interest rates, and other financial opportunities is substantial and unjust. 

I request an immediate and comprehensive review of my case, with a focus on expediting the removal of the fraudulent items from my credit file. I have attached copies of the supporting documentation previously submitted for your reference. I believe in the integrity of the credit reporting system and trust that your organization is committed to rectifying inaccuracies promptly. 

Furthermore, I request regular updates on the progress of the investigation and the steps being taken to address this issue. Timely communication is crucial to maintaining transparency and ensuring that I am informed of any developments in the resolution process. 

If the fraudulent items are not promptly removed from my credit file, I XXXX have no choice but to seek legal advice and escalate this matter to relevant regulatory authorities. I hope it does not come to that, and we can resolve this issue amicably and expeditiously. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$55000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$140000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$23000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX
Consumer complaint received 2023-11-15
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any reason.
Consumer complaint received 2023-11-15
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. (IL)

To whom it may concern, I am a law abiding citizen who is simply looking to get to the next phase in my life to better me and my family 's financial situation. But I am unable to due to the inaccuracies on my credit report. 

FCRA law 15 U.S.C 1681 protects me from any damages and any inaccurate information on my credit report. I would like to have this situation resolved immediately.
Consumer complaint received 2024-04-12
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. (OH)

On XX/XX/2024 XXXX shared my nonpublic consumer information to XXXX, XXXX, and Transunion. The law states it is illegal for financial institutions to report consumer account details and other nonpublic consumer information to nonaffiliated third parties. Institutions must develop and give notice of their privacy policies to their own customers and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure per 15 U.S.C. 6801. I am opting out of any and all authorizations per 15 U.S. Code 6802 and per 16 CFR 313.1
Consumer complaint received 2023-11-15
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)

Across my credit report I have several companies who have reported late payments on my reports that were never late. As a general rule I do not make late payments. I have disputed these and to no end have not gotten any results. This needs to be corrected. I have not been 30 nor 60 nor 90 days late or late at all all the following accounts.

DELETE ALL LATE PAYMENTS ON THE FOLLOWING ACCTS : XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX SHOWS NO DATA YET PICKS UP WITH LATE PAYS IN XX/XX/XXXX XXXX XXXX 30 DAYS XXXX XXXX  30 DAYS XXXX XXXX 30 DAYS XX/XX/XXXX SHOWS NO DATA YET PICKS UP WITH LATE PAYS IN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SHOWS NO DATA BUT CARD WAS OPEN AND IN GOOD STANDING 2. XXXX XXXX POTENTIALLY NEGATIVE DISPUTE LATE PAYS Account Name XXXX XXXX Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$51.00} Balance Updated XX/XX/XXXX Recent Payment {$74.00} as of XX/XX/XXXX Monthly Payment {$0.00} XXXX XXXX {$500.00} Highest Balance {$1500.00} XXXX XXXX  30 DAYS 3. XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX 30 DAYS XXXX XXXX  30 DAYS XXXX XXXX  30 DAYS XXXX XXXX 30 DAYS 4. XXXX XXXX DISPUTE LATE PAY- THIS ACCT WAS CLOSED BY THE COMPANY IN XX/XX/XXXX HOW WAS I LATE IN XXXX AND XXXX? 
XXXX XX/XX/XXXX {$1600.00} XXXX XXXX 30 DAYS XXXX XXXX 30 DAYS XXXX XXXX 30 DAYS XXXX XXXX 60 DAYS XXXX XXXX 60 DAYS XXXX XXXX 60 DAYS
Consumer complaint received 2023-11-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

HSBC refuses to return {$10000.00} sent to them from XXXX XXXX 's XXXX XXXX XXXX Account on XXXX. They have received the information requested on XXXX. ( see attach ). A call was made on XXXX to their Customer Relations number XXXX inquiring status, but call was never returned. 

I don't need any assistance from XXXX XXXX XXXX at this time, for the funds remain with HSBC, so the assistance I need is from HSBC.
Consumer complaint received 2024-04-12
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. (CA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY (FL)

I have a monthly allotment of {$1900.00} to XXXX XXXX for debt relief. Enrolled in the program on XX/XX/XXXX. Received summons from AMEX on XXXX XX/XX/XXXX served by the XXXX XXXX XXXX ( XXXX ) at my home. Apparently, AMEX refuses to work with XXXX XXXX, XXXX for debt owed.
Consumer complaint received 2023-11-14
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. (PA)

I never gave XXXX, XXXX, or TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. I have made multiple attempts by phone and mail to resolve the matter but they continue to negatively effect my livelihood, reputation, and ability to secure credit. 

They do not have any permissible purpose to furnish my personal information to any third party as I have the right to privacy per 15 USC 1681a. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I am aware of my federal rights as a consumer now. The company, and or agents are negatively affecting my ability to secure credit/loans. Furthermore, a charged off account is in tern considered income for the company in respect for tax purposes and income can not be furnished on a consumer report either. Again, this is not a request that the below referenced accounts/items be removed from my consumer report, but rather a DEMAND. I'll allow 15 days from receipt of this complaint to comply and remove the listed accounts before I begin to take legal action, seeking the highest remedy and resolution in court. 

As a consumer, I am demanding a deletion of the following account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-07-18
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: EQUIFAX, INC. (IN)

This letter is to all 3 credit bureaus I notice that there is a Bankruptcy on my credit report.

I'm requesting verification of the process that was used to verify the information with the credit bureaus. What methods they use to verify the information I'm requesting that the credit bureaus all 3 provide A. The name of the Court house B. The name of the person they verified the bankruptcy C. The Address and telephone number of the courts D. The docurmentation use to verify the bankruptcy
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Over the summer, my wife and I discovered some inaccuracies on our Equifax credit report. 2 months ago to the day, we wrote Equifax asking them to investigate the errors. 60 days have passed without a response, and they are supposed to respond within 30 days.
Consumer complaint received 2023-11-14
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.