davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MD)

There was a credit card account from a company called RoomsToGo opend with my information that I didnt approve. I reported it to the 3 bureau and froze my account. Days later the card was maxed out with no approval and the investigation is still pending.
Consumer complaint received 2020-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

We pay XXXX monthly mortgage payment. We do NOT escrow. In XX/XX/XXXX Shellpoint Mortgage started to add on escrow amounts on our account? I contacted the company, and they were NOT helpful, but I eventually learned I needed to send proof of insurance with our mortgage payment. I did. Then the next month, more escrow charges until I finally got to a human who said I sent the wrong year? So, I sent XXXX. Next month same result, more erroneous escrow charges. In XXXX, I called again and got a woman on the insurance side of Shellpoint and asked her if I could send both XXXX electronically & she would stay on the line until receipt and confirm to me. She did, and said she would fix this. Next month bill even more screwed up. she did NOTHING. That was in XXXX!!! For the next 3 months countless calls with different Shellpoint customer service people and only in XXXX when I sent XXXX & XXXX payment did we finally ( Ibelieve ) sort this out & fixed this. I asked them to remove finance charge / late fee / penalty from our final invoice & they said we needed to send to Loan servicing dept. which we did. NOTHING! NO RESPONSE. And, now I see our credit score which is always perfect, has been tarnished by these unscrouplous Shellpoint people. They have all his in their phone records. Horrible service.
Consumer complaint received 2024-04-02
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. (IN)

I reviewed my Consumer Reports and seen that a late payment was reported on an account that I have never never late for. Consumer Reporting Agencies have assumed a vital role and are responsible for outlining the information to the best of their ability with Maximum Accuracy. For the accountXXXX have never been late payments. Please investigate and provide proof with statements showing the payment the account was late. If Proof Can't be provided, I demand these payments be amended to on time as they should be as I was never late. Thanks.
Consumer complaint received 2023-08-21
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. (WI)

I had an account with XXXX that was reported at {$0.00} and closed who is the only other party on original contracts for both contracts of {$1700.00} and {$1000.00}. I then received a new balance from a different company by the name of US DEPT OF EDUCATION which are reporting two different balance for the same contact. I have never had a account or contract with this company nor did I authorize the company to use my person and private information. This is fraud and misrepresentation of my accounts. " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists ''
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In 2014 my wife and I had begun filing for bankruptcy but cancelled the filing when we found we were able to settle our debts without doing so. A recent credit inquiry shows this bankruptcy as dismissed but we never completed the filing or followed through with it. We have tried disputing this information with the credit bureaus but the reporting is still showing on our credit profiles.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, 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. (NC)

I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affected me from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-21
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: Experian Information Solutions Inc. (FL)

The accounts are being reported fraudulently the accounts doesnt belong to me an is violation of my rights under the FCRA please remove the accounts from my credit report immediately Ive sent you guys several letters police reports and identity theft reports and the accounts are still being reported please remove the account now thanks Account XXXX XXXX XXXX Account number : XXXX is being reported as charge off multiple Months after account was closed according to FCRA section 623 this illegal and inaccurate Remove account immediately off of my credit report sent letter to credit bureaus and havent got an response its been 70 Days. Thanks Experian Account XXXX XXXX XXXX  Account number : XXXX being reported as charge off multiple Months after account was closed according to FCRA section 623 this illegal and inaccurate, please Remove account immediately off of my credit report. sent letter to credit bureaus and havent got an response its been 70 Days. Thanks
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

We have banked with Bank of America for over 25 years. We are a software company and deposit over $ XXXX a month using BOA 's remote deposit machine. Typically, we will deposit 20 checks for $ XXXX or more at one time. The funds are available the next day. This has been the case as I recall for ALL OF 2023. On Friday XX/XX/XXXX, we made a deposit of about $ XXXX. Almost all of those checks have been put on hold until the XXXX. 

When I talked to the bank, and a manager, XXXX XXXX ID XXXX, his explanation was that they could not verify the funds would be available and that was why there were holds. I asked why ALL prior deposits had no holds, though from the same businesses and his answer was that each check is different. I reminded them that this had happened in the past because of a large deposit and their computers placing automatic holds, which they IMMEDIATELY removed when we called them. This time they refused to do that. 

I confirmed the call was being recorded and told them that I would go to the CFPB and asked if they would reconsider. They said they would not. 

This is clearly an error. It does not take 7 calendar days for checks to clear in 2023. It is statistically impossible for no checks to be put on hold all year and ALL the checks from a single deposit to be put on hold because " BOA had information that these checks may not clear. '' All the checks are from established businesses we have worked with for decades in many cases.
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX  XXXX  ) XXXX Balance : {$3700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: TRUIST FINANCIAL CORPORATION (WV)

On XX/XX/2023 I attempted to do a balance transfer using my Truist app to transfer a balance of {$8400.00} to pay off my XXXX  XXXX XXXX credit card and it kept saying it wouldn't go through. On XX/XX/2023 I called Truist and a rep was able to help me with a balance transfer that I decreased to {$7400.00}. 

On XX/XX/2023 XXXX  XXXX XXXX received money from Truist in both amounts for a total {$15000.00} in which it took months of phone calls to get reversed. So finally, on XX/XX/2023, XXXX  XXXX XXXX sent Truist back {$8400.00}, but Truist is saying they never received it. I have called both banks MANY times and have not gotten anywhere. 

Truist is asking XXXX  XXXX XXXX to send me proof of the wire transfer with accounts and routing numbers which I have yet to receive. So basically XXXX XXXX XXXX say we sent Truist the money and Truist is saying they never received it and I am on the hook for this missing {$8400.00}. I do not know what else to do.
Consumer complaint received 2023-07-11
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-07-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (GA)

signed up for loan with title max XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX with XXXX. for XXXX XXXX of 2022 i have to date paid around XXXX and the balance hasnt budged. called to speak to XXXX and was told she no longer works there nor does the manager. When i signed up XXXX told me if i made the monthly payment it would pay off the loan. None of this has occurred. now since she doesn't work there the new general manager has no longer taken accountability for this situation. I have been frauded by this company. No XXXX  spoke english but her explanations where not clear and she just kept saying yes to the questions when i asked her about the payments. 
website is supposed to have my documents but they are not there. and the website was down for a month and had been hacked and we were told our data was breached as well.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/XXXXXXXX XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX  XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX }
Consumer complaint received 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Transunion To Whom It May Concern, This letter is being sent to you in notice about the INACCURATENESS, INCOMPLETENESS, and more importantly, to your ERRONEOUS REPORTING. 

1. THE ACCOUNT IS IN VIOLATION OF U.S CODE 1981a ( 4 ) CONSUMER RIGHT TO PRIVACY. THIS BANKRUPTCY SHOULD NOT BE ON MY CREDIT/CONSUMER REPORT XXXX  XXXX Bankruptcy Case Number : XXXX THE BANKRUPTCY COURT TOLD ME THAT THEY DO NOT FURNISH THIS INFORMATION TO ANY CREDIT REPORTING AGENCIES. THIS IS A VIOLATION OF Fair Credit Reporting Act, 15 U.S.C. 1681g AND WITH THAT I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILES AT THE TIME OF THIS REQUEST CONCERNING THIS ACCOUNT THAT YOU ARE REPORTING IN MY CREDIT REPORTA 2. 15 U.S code 1692e False or misleading representations. FDCPA Section 807 Violation Misleading False Reporting. 15 U.S code 1692f-Unfair practices XXXX Account Number : XXXX**** Please remove it from my credit report.

3. 15 U.S. Code 1681i - Procedure in case of disputedaccuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputedaccuracy XXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXXXXXX, XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX U.S. Code 1681e ( b ) REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

I DEMAND you to verify all these challenges and allegations and if can not, under the FCRA, unverifiable accounts MUST be removed. 

Thank you, XXXX XXXX
Consumer complaint received 2023-08-21
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. (CA)

I found inaccurate information in my TRANSUNION credit report. I tried to fix the issue by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as Payment status, payment history, date opened, and balance are still being reported. My rights were violated. According to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C. Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2020-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (OH)

I closed my Citi XXXX XXXX XXXX XXXX account on XXXX XX/XX/2019. Then I called citi bank to transfer my Citi Thank You points from Citi XXXX account to Citi XXXX XXXX XXXX XXXX account.

Agent told me that approx. XXXX Thank You Points will expire on XXXX XXXX so I redeemed approx. XXXX points by XXXX XXXX. 

But another XXXX points expired on XXXX XXXX. I was not aware about this and neither I got any notification regarding this. I was acting on the information given by Citibank Rep. 

Also, on XXXX, there is no way to check how many points are expiring. So I could not have known the exact amount of points getting expired.
Consumer complaint received 2023-08-21
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. (TN)

Ive been a victim of identity theft. They have stolen my information and have been using my information to obtain credit with several lenders/banks. 

I was robbed back in XXXX  and ever since I have been getting inquiries on my credit reports and also credit lines opened under my name, including recently, a checking account and a credit card with XXXX  XXXX. The perpetrators have stolen almost {$20000.00} from my XXXX XXXX account by fraudulently changing my information on my XXXX XXXX account and transferring funds onto this XXXX  XXXX account opened under my name. They have also tried to obtain credit under my name with several other financial institutions. 

There are numerous addresses and phone numbers on my credit report that are NOT mine due to these activities. 

These actions have hurt me tremendously and caused me to lose a refinancing of my home recently not to mention the stress and headaches this have caused. 

I locked and froze my XXXX report but havent started the disputes with the other two agencies. 

Ive been working with both XXXX XXXX and XXXX XXXX to get these transactions reversed, and my money back. I have also filed a police report and they are investigating as well. 

I was advised by XXXX to file this report. 
Any help with this matter will be greatly appreciated. 

Let me know what I need to do to proceed. 

Sincerely, XXXX XXXX