davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
Product: Credit reporting 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. (WI)

Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is not INCLUDED on my Consumer report!

A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Consumer complaint received 2018-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BB&T CORPORATION (GA)

On XX/XX/2018, an online payment in the amount of {$100.00} was sent to my checking account at BB & T.

On XX/XX/2018 I received a letter from BB & T Adjustments Department that my account was debit in the amount of {$100.00} onXX/XX/2018. I call the local bank on XX/XX/2018 to express my concerns because I believed that it was an error. BB & T requested a copy of the letter I received. I sent a copy via email on XX/XX/2018. BB & T assured me they would call after researching the issue. On XX/XX/2018 I call an XXXX  number provided on the letter. They told me that the amount that hit my account in error was from a cashier 's check made to another company. I asked where was my online payment of {$100.00}. They said that they did not receive it. I called XXXX XXXX XXXX XXXX ( XXXX  ), the party who sent the online payment. XXXX said that it was sent and they said they would open a case and send it to BB & T. I was able to see the paper trail where XXXX did send out the payment. On XX/XX/2018, I made a visit to the local BB & T and they stated that they did not receive the payment and said that I needed to talk with XXXX. I gave them a copy of the online payment disbursed onXX/XX/18, a call was made but they only verified what I was just told that BB & T had not received the payment. I have received a call and a written notice that may BB & T account has a negative balance and threat to report me to XXXX.
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX ; XXXX XXXX Balance : {$4900.00} ; XXXXXXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$10000.00}.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am not able to contact this institution. 


" XXXX was originally contracted to service federal loans through XXXX, but it ended its contract in XX/XX/XXXX due to financial loss. Its website no longer exist, and all loans were transferred to XXXX XXXX. '' - XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


I am chosing to OPT OUT. But i am unable to contact this Loan Servicers 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Consumer complaint received 2023-11-22
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. (NY)

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. XXXX and remove them.
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$1200.00} XXXXXXXX XXXX XXXX XXXX Balance {$840.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} XXXXXXXX XXXX  Balance {$0.00} XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting XXXX XXXX act XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-22
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. (NJ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. XXXX XXXX XXXX XXXX XXXX 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 2018-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Collection Services, Inc. (NJ)

Please close this Collection on my XXXX account I paid this account and she continues to report on my credit as not paying I have already sent a paid account document to the XXXX to remove this account and it remains in my credit Account # 1 {$150.00} Balance XXXX XXXX XXXX XXXX XXXX  Original Creditor {$150.00} High Balance XX/XX/2018 Opened Date XX/XX/2018Last Reported Individual Responsibility Dispute resolved ; reported by grantor Remarks
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TN)

I have an automatic payment option enabled to my account ending in XXXX. I have always have the auto pay in place and they charge me {$38.00} in fees on XX/XX/2023 and claimed my account is passed due, when it wasnt, I scheduled a manual payment for {$38.00} dollars because I was mislead and lied to. Additionally I was charged another {$29.00} in fees for a return payment when in fact I have auto pay in place. While their supervisor lied and claimed my account number is wrong that is why a fee was charged they have initiated an amount of {$160.00} from the same account she claimed it was a wrong account number. Credit card and banks are raping consumers in outrageous and ridiculous fees like a wild fire. I am tired on being charged unreasonable fees or fees that I did not caused to be added to my account. What are you going to do about it, why is credit card companies allowed to charge XXXX XXXX  in interest but I am not receiving the same XXXX XXXX  in interest on my money sitting at the bank. How much longer you going to allow financial institution to XXXX consumers
Consumer complaint received 2023-11-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The countless times, this is the numerous letters I am writing for the fraudulent accounts that keep on persisting on my credit report and damaging my chances of having a better score and better financial standing. It is confusing that other bureaus were able to conduct exact measurements and were able to determine the fraudulent activity and remove it right away on their report. This shows that you are failing to provide accurate information that violates the FCRA law. 
Cease these accounts in persisting on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 
Clearly, there must have been lapses or errors that occurred during the expedition of these accounts as the other bureaus were able to prove that those were purely fraud. It is frustrating that my previous escalation seems to be ignored. I understand that the Fair Credit Reporting Act ( FCRA ) mandates the accuracy and fairness of credit reporting, and I am confident that your bureau will take immediate action to address this matter.
Consumer complaint received 2024-01-13
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. (MI)

PEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRIES : XXXXXXXX XXXX  SERVICES XX/XX/XXXX XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-22
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)

Despite previous attempts to rectify the situation, the inaccurate information continues to reflect, indicating a lack of investigation and resolution. It is frustrating that these inaccurate reporting were severely damaging my financial standing and creditworthiness. I wonder what investigation you are doing that these inaccurate late payments keep on tarnishing my credit report. 
I want these accounts to be updated accurately : XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX, XXXX. XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
It is disheartening to see that despite my previous attempts to escalate and rectify this issue, there has been no visible effort to address the ongoing inaccuracies. I am sure you can appreciate the impact such inaccuracies can have on my creditworthiness and financial standing.
Consumer complaint received 2023-06-22
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: ALLY FINANCIAL INC. (FL)

I received a refund voucher from merchant. Credit card co. has not credited my account.

Attached is letter to credit card co. and copy of refund from merchant. Charge still shows on my account.
Consumer complaint received 2024-03-22
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. (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 XXXX  Account NumberXXXX 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.
Consumer complaint received 2018-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My online Bank of America ( BOA ) credit card account ( ending in XXXX ) statement indicated an 'unclaimed credit ' in the amount of {$260.00} as of XX/XX/2018 I contacted BOA supervisor XXXX  regarding this unclaimed credit on XX/XX/2018 requesting that the {$260.00} be applied back to my credit card account. XXXX indicated that BOA sent the {$260.00} to the State of Texas. XXXX  noted I have to contact the State of Texas in order to get the money that is rightfully owed to me. I asked XXXX to speak with an upper level supervisor. XXXX indicated, " I ' the highest level supervisor available at this time. '' This is concerning, as I'm a long-time ( over 20 years ) customer with multiple BOA account. I've had no issues in the past requesting BOA to apply overages/credits back to my account. Thus, I would expect BOA to make every effort to contact a valued customer before deciding to move in this direction. Prior to this phone call, I was never notified of this 'unclaimed credit ' by BOA .

I spoke with the XXXX ( Texas unclaimed Property Division/Texas Comptroller ) on XX/XX/XXXX regarding the above. XXXX indicated there is no claim in the system under my name. She noted that it could take a month or two before the claim shows up in their system, which afterwards I can initiate a refund claim. She also indicated that funds are usually not turned over to the state until 3 years of inability to make contact with the customer. Thus, it could be months before I receive my funds. Therefore, I'm very concerned that BOA in this deceitful manner.
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I submitted a complaint last XXXX, XXXX and it was closed immediately. I submitted a complain again last XXXX, XXXX and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2023-11-21
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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