davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I had 2 loans through this company one opens XX/XX/2023 which was paid off and closed XX/XX/2023 and another loan opened XX/XX/2023 and closed XXXX. Both were completely paid and closed, yet the company was still reporting as opened and full balances. I have been disputing this loan from XXXX since XXXX and the loan from XXXX I have been disputing since XXXX. Once disputed all credit agencies then adjust it, only to have xact loans ( which reports under XXXX on my reports ) come behind and report account as reopened or having a balance repeatedly for the past 5 month ever single time its fixed they come back after to report negatively and inaccurately. I feel they are doing this to make me ineligible for other loans at better interest rates and force me back into 134 % interest loan with them! They currently are reporting a loan closed in XX/XX/2023 is closed but has a full balance, when it was just fixed correctly 2 weeks ago, they have caused me thousands of dollars by forcing my home loan to be pushed back months please take action against this company.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2023-02-08
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: EQUIFAX, INC. (LA)

My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

In XX/XX/2022, I purchased a home and Settled the transaction with XXXX XXXX. XXXX XXXX XXXXXXXX Due to timing constraints with sending a wire transfer for closing, I sent them a more money than what was actually due to close just in case. This is common practice, and XXXX XXXX sent a refund check back to me via US mail. I have USPS Informed Delivery and no mail from XXXX XXXX ever hit my mailbox. 

I did not receive the check back from XXXX XXXX, and later when I inquired with XXXX XXXX about it, they told me the check had already been cashed. It was not cashed by me, i asked them for a copy of the cancelled check, and it was not my signature. Further, it was cashed via mobile deposit with Bank of America, but that is as far as they could see. They were unable to issue a new check to me until the bank finished the investigation into the XXXX. 

XXXX XXXX 's bank is XXXX XXXX Bank, they filed a report with BofA about the fraudulently cashed check, and this 'investigation ' has supposedly been ongoing since XXXX, going on 6 months now. No status updates have been provided by either bank, I am still owed {$3500.00} and nobody will give me any information.
Consumer complaint received 2024-03-26
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. (MI)

on XX/XX/XXXX I was going over a copy of my credit report and noticed that I had some unauthorized Hard inquiries that were supposed to removed in XXXX of XXXX. I immediately contacted both credit bureaus Transunion and XXXX. To make a long story short they did nothing to remove these inquiries. Can you please check into this for me Pleases and Thank you
Consumer complaint received 2018-10-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

in XX/XX/XXXX I disputed an account all three credit bureaus. The account which is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX well the account came back verified with all bureaus. Well in XX/XX/XXXX I  contacted the original creditor which was XXXX XXXX XXXX, I sent XXXX XXXX a Debt Validation letter. Well the original responded back, with a letter stating that the account was sold to XXXX XXXX, XXXX on date XX/XX/XXXX..i have enclosed a copy of the letter showing that they sold the account to XXXX XXXX on XX/XX/XXXX. I XXXX XXXX then sent a certified letter to XXXX XXXX on XX/XX/XXXX. I sent XXXX XXXX a Debt Validation letter which under the FCRA I am entitled to send a validation letter to the company that is reporting the account on all three of the credit bureaus. which is XXXX XXXX XXXX. I have enclosed a copy of the certified letter that was sent to XXXX XXXX XXXX on XX/XX/XXXX. I have also provided the copy of the certified mail receipt and the delivery notice that the letter was delivered on XX/XX/XXXX to the address provided on my credit report for the furnisher which is now XXXX XXXX. They received the letter on XX/XX/XXXX ... Well today is XX/XX/XXXX and XXXX XXXX has failed to respond to my certified letter dated XX/XX/XXXX..This is a violation of my rights and a violation of the law ... XXXX XXXX needs to remove this account from all three of my credit bureaus right now for the non compliance and the violation of my rights. Or I will be getting a lawyer to sue the company for the non compliance. This day of XX/XX/XXXX I have not received any paper work or any items showing that this is my account,, they have violated laws and rights under the FCRA and the FDCPA, This inaccurate account needs to removed ASAP from my credit file. XXXX had 30 days to respond and they failed. this company has violated local and state laws by not responding in a timely manner. I would like this account to be removed asap from all three credit bureau or I can go file a small claims suit. I have enclosed all paper work to show I did my part the company received the letter and yet failed to send me what I was entitled to now the company need to delete the account from my credit file. asap
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I performed a name search on the Internet, I learned that some of my personal data was being used without my consent. As a result, I filed a complaint. My information was collected by an aggregator website, which instructed me to contact around nine different websites in order to have it removed after checking the website 's FAQ section first. In addition to feeling violated since I value my privacy, having to ask to have my possessions taken made me feel ashamed. My report contains unapproved fraudulent accounts, and I would like such accounts to be terminated and fixed. Take away all inaccurate and negative accounts from my credit report. My capacity to get credit has been harmed by this. I'm making every effort.
Consumer complaint received 2018-10-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

in XX/XX/XXXX I disputed an account all three credit bureaus. The account which is the XXXX XXXX XXXX XXXX XXXX XXXX # XXXX well the account came back verified with all bureaus. Well in XX/XX/XXXX I  contacted the original creditor which was XXXX XXXX XXXX, I sent Total Card a Debt Validation letter. Well the original responded back, with a letter stating that the account was sold to XXXX XXXX, XXXX on date XX/XX/XXXX..i have enclosed a copy of the letter showing that they sold the account to XXXX XXXX on XX/XX/XXXX. I XXXX XXXX then sent a certified letter to XXXX XXXX on AXX/XX/XXXX. I sent XXXX XXXX a Debt Validation letter which under the FCRA I am entitled to send a validation letter to the company that is reporting the account on all three of the credit bureaus. which is XXXX XXXX XXXX. I have enclosed a copy of the certified letter that was sent to XXXX XXXX XXXX on XX/XX/XXXX. I have also provided the copy of the certified mail receipt and the delivery notice that the letter was delivered on XX/XX/XXXX to the address provided on my credit report for the furnisher which is now XXXX XXXX. They received the letter on XX/XX/XXXX ... Well today is XX/XX/XXXX and XXXX XXXX has failed to respond to my certified letter dated XX/XX/XXXX..This is a violation of my rights and a violation of the law ... XXXX XXXX needs to remove this account from all three of my credit bureaus right now for the non compliance and the violation of my rights. Or I will be getting a lawyer to sue the company for the non compliance. This day of XX/XX/XXXX I have not received any paper work or any items showing that this is my account,, they have violated laws and rights under the FCRA and the FDCPA, This inaccurate account needs to removed ASAP from my credit file. XXXX had 30 days to respond and they failed. this company has violated local and state laws by not responding in a timely manner. I would like this account to be removed asap from all three credit bureau or I can go file a small claims suit. I have enclosed all paper work to show I did my part the company received the letter and yet failed to send me what I was entitled to now the company need to delete the account from my credit file. asap
Consumer complaint received 2023-04-18
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. (MI)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXXXXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I opened my account expecting to be paid a {$300.00} bonus for meeting certain requirements ( receiving a minimum of {$4000.00} in direct deposit within the first 90 days ). After meeting the requirements, I called the bank to ask about the bonus. I was told to wait 60 days. Called after 60 days and was told someone would call me back. But never got a call.
Consumer complaint received 2023-04-18
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. (CA)

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2023-04-18
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. (AZ)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Date Opened XX/XX/2019 Balance {$10.00}
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

During the pandemic I signed up for the Coronavirus relief program with my credit card with XXXX XXXX. I have a document from The bank confirming this, and an additional e-mail on XX/XX/XXXX stating my relief has been extended for 3 months I do not need to make payment for 3 billing cycles. 

Despite this XXXX marked me as being late on my XXXX monthly payment. This is incorrect and is significantly damaging my credit score. 

This has been disputed twice in writing and over the phone with the company. This late payment must be removed from my report.
Consumer complaint received 2023-04-18
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. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$21000.00}
Consumer complaint received 2017-12-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (CT)

I believe it was sometime in the summer of XXXX I had a major repossession from GM Financial for my XXXX XXXX XXXX. I tried to get my monthly payments lowered because I lost my great paying job and used only what I had left in my savings to pay for rent, car payment, car insurance, food and clothes for my son who was two at the time. I want to remove GM financial from my credit history and come with a settlement to dispute this situation.
Consumer complaint received 2024-03-26
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. (NJ)

ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/2022 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-01
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: CITIBANK, N.A. (OK)

I am being charged by XXXX ride company on my Citi card monthly for rides I did not take. 
I disputed the charge but XXXX wants me to prove that I did not take the ride. So credit card charges were not deleted after I disputed the charge to Citi Bank. 

I have repeatedly tried to contact XXXX but am unable to reach them to dispute the charge. 
The charges are on my credit cards statements for XX/XX/XXXX and XX/XX/XXXX. 

The XXXX app does not allow me to delete my account. It seems they purposely make it hard to delete account or delete payment method. I have been unable to make the changes on my XXXX XXXX. and they do not have a contact method by email or phone.
Consumer complaint received 2017-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On Friday, XX/XX/XXXX during a family vacation I attempted to use my XXXX XXXX card and found out it was declined. This card was both my primary business and personal credit card with multiple recurring charges connected with the daily operations of my business. 

On Saturday, XX/XX/XXXX I contacted XXXX XXXX and after several hours of holds and transfers discovered my credit card account was closed due to a notice from TransUnion. Because of the XXXX holiday, I had to wait until XX/XX/XXXX to contact both TransUnion and XXXX XXXX regarding this matter. 

On Tuesday, XX/XX/XXXX I again contacted XXXX XXXX and after another hour of holds and transfers spoke to a Fraud Department Supervisor regarding the matter and learned that TransUnion had unilaterally contacted them and closed the account claiming it was opened fraudulently. XXXX XXXX then sent me an affidavit to sign and have notarized proving that I did open the account and it was n't opened by another individual. 

On this same day I contacted TransUnion and after another hour of transfers and holds I was told by a supervisor that based on a fraud alert I submitted to them, they did in fact close my XXXX XXXX account. They closed this account without notifying me even though they have my contact number and email on account ( also listed on the report I submitted ). The supervisor offered no apology for their error and actually tried to claim I stated the account was opened fraudulently in my report. I am attaching the report to this claim and it clearly states that someone attempted to access and change my account profile, not that the account was opened fraudulently in my name. A simple review of my card 's history would show it was in good standing and paid in full each month. 

I originally submitted the fraud alter as the attempt to access my account profile was the unfortunate way I learned my information was compromised due to the XXXX data breach. 

Due to the actions of XXXX I lost about one full day of my vacation dealing with phone calls, finding a notary and remitting all my information to prove the account was in good standing. Additionally, my business suffered harm as vendors went unpaid and services were terminated costing hundreds of dollars. 

To date, my card account is still closed and I am still suffering damages and spending time trying to mitigate future damages. I am still waiting to see how this affects my credit score which was in the XXXX 's. Additionally, TransUnion has still not contacted me nor sent any correspondence.
Consumer complaint received 2023-04-18
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. (IL)

XXXX has not deleted these unknown inquiries-XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX has not deleted these unknown inquires, XXXX XXXXXX/XX/XXXX Transunion has not deleted these unknown inquires. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-18
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$130000.00} XXXX XXXX  XXXX Balance : {$37000.00} XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-06-01
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: EQUIFAX, INC. (FL)

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.