davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-20
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. (WA)

i checked my report and i seen an unauthorized credit check inquiry that i have not given consent to. I am demanding the inquiry be removed from my credit report within 4 days as they are fraudulent. Im trying to establish relationships with banks but continue to get declined because of these items on my report. I have attatched the items to my letter and notified the FTC.
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

I have tried for several days to freeze my account with Equifax. Each time after entering all the required information, a page says the website is " temporarily '' down - try again later. I called a service representative who gave me what she said was an alternative site, but had the same experience. I have tried to freeze every day from Sunday ( Sun. XX/XX/2018 ) through today, Thursday ( XX/XX/2018 ). I had no trouble freezing the account at the other two credit reporting services. Is this a delaying technique hoping those seeking to freeze their account give up? 

Thank you for your consideration.
Consumer complaint received 2023-07-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm sending this notice on XXXX XXXX to let it be known that I feel my authority and confidence in the credit reporting business is and has been undermined through means of unfair and deceptive practices. I've been viewing my consumer report and its relationship between I XXXX : XXXX, TransUnion. I reviewed my credit report and noticed that TransUnion still furnished the same information that I disputed on XXXX XXXX and that's not being reported on the other two reporting agencies. Also, upon request for proof of the information being violated and verified on XXXX XXXX when I sent a complaint to the Consumer Financial Protection Bureau ( CFPB ) and also to TransUnion. via certified mail in regard to the inaccurate information and how TransUnion did not do a proper Investigative Consumer report. I do not recall that TransUnion has sent out any further communication with me as the consumer in regard to an investigation consumer report but stated on the CFPB website stating that the collection ( XXXX XXXX  ) was updated and not verified. Since TransUnion haven't verified the information stating how they came up with the conclusion that the information was accurate there's been numerous financial intuitions stating that I am not credit worthy as a consumer for an extension of credit due the fact that there is information on my consumer report that's negatively impacting my credit standing.
Consumer complaint received 2023-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (TX)

My wife and I filed a homeowner 's insurance claim to repair water damage. The initial payments were issued directly to us, but the project crossed a threshold where the insurance co-issued the check to our mortgage company. First they said they would endorse it with an invoice. We mailed them the check, but then they immediately returned it to us, and asked us to endorse it and return to them. Then they deposited the check into an escrow account without informing us or the insurance company. They held it without notifying us of what documentation they needed or how to ever get paid from it. They keep changing their story of what paperwork they need and how to get an inspection scheduled. The customer service representatives have no access to how to schedule the inspection, which company is going to perform it, or what to do when we are inevitably NOT contacted by any inspector. I believe they are intentionally holding onto our insurance funds as a company financial asset. They consistently refuse to put any communication or requests for documentation in writing.
Consumer complaint received 2022-11-23
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. (FL)

On XX/XX/2022 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 by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to follow up on my previous complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate and unverified information reported by XXXX XXXX XXXX # XXXX. The information in question has violated my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a. As I mentioned in my initial complaint, I have never done business with this companie, and the information they reported on my credit report is completely inaccurate. Under 15 U.S.C. 1681a, I have the right to ensure that my credit report is based on accurate and verified information. I have already disputed this inaccurate information with XXXX XXXX, but I have not received a satisfactory response from them. I have copies of my previous dispute letters and any relevant documentation that supports my claim. I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action against these companies for violating my rights under the FCRA. I request that the inaccurate and unverified information be promptly removed from my credit report to prevent any further harm to my creditworthiness. Thank you for your attention to this serious matter. I trust that the CFPB will take the necessary steps to rectify this situation and protect consumers from such violations in the future.
Consumer complaint received 2023-05-22
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (VA)

I have answered the call before I acknowledge who I was for the collection company Halsted financial services to stop calling my phone number. After I told them to stop calling my phone number they called back four times more then I acknowledged who I was to them and they proceeded to try and collect the debt that was owed to XXXX XXXX from 7years ago.
Consumer complaint received 2023-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-20
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. (CA)

I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it
Consumer complaint received 2023-07-07
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: BMW Financial Services NA, LLC (NV)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it XXXX have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-03-10
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. (NJ)

There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. The identified transactions are not information related to any transaction by me as the consumer : DEPTEDXXXX XX/XX/2017 DEPTEDXXXX XX/XX/2017 Following receiving this notice do not place a fraud alert on my consumer file.
Consumer complaint received 2023-07-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine.

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Consumer complaint received 2020-01-09
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: EQUIFAX, INC. (GA)

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-03-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-20
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. (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.

has violated my rights. Or 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 2022-09-07
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. (GA)

In XXXX of XXXX, XXXX announced a data breach that exposed the personal information of 147 million people. I was affected by this breach when someone used my information in XXXX. XXXX created this problem and now they will not help resolve this problem. They are hiding behind the notion they are too big to fail. 

I wrote XXXX about the following fraudulent account : XXXX XXXX XXXX I have proved this account information as fraudulent with them, and they have failed to respond. I have filed a complaint through the Federal Trade Commission. Under the laws of the FDCPA, I have contacted the credit union and told them it is a fraudulent account. 

This debt is not mine. This egregious stain on my credit file prevents me from obtaining future student loans. I urge them to remove this item immediately before I am forced to take legal action. 

They do not care that I can sue them for actual damages and declaratory relief under the FCRA. According to this regulation, I can sue them at any qualified state or federal court, including a small claims court in my area. 

However, they are not concerned about lawsuits. They are getting paid more money by this credit card company when they report incorrect information on consumers ' credit files. It is why I am filing a complaint through the C.FP.B. 

While I prefer not to litigate, I will use the courts to enforce my rights under the FCRA. However, I need the CFPB to step up and force XXXX to do the right thing. 

I look forward to an uneventful resolution of this matter.
Consumer complaint received 2023-05-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (WA)

I opened a CD with Ally Bank in XX/XX/XXXX. Originally, I was promised to have 1.6 % saving interest rate. However, I was never paid for that rate. Then, I asked to close my CD in XX/XX/XXXXXXXX  and experienced trouble to close my account. I mailed my closing account request three times but still not closed and received no. Then, I started to call Ally customer service and I was put on Fraud Alert. Then, I was limited to talk to Fraud department. Every call took me at least an hour. I had made at least twenty calls. During every call, I was first verified by customer service, then fraud department and then rerouted back to customer service and then rerouted back to fraud to prove my identity or vice versa in process.

Then after 2 weeks, I was finally asked for my bank account and Ally made a verification deposit to my bank account. So, I called Ally Bank to provide those deposit amount to verify my identity. Then, I again had to experience the marathon phone call process. Upon today, I still can not close my account. I had been given various excuses for not being able to close and went to many scam by Ally Bank to refuse to return my CD amount. 

You can contact me at XXXX XXXX XXXX 

Thank you, XXXX XXXX
Consumer complaint received 2023-07-20
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. (NJ)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem,
Consumer complaint received 2023-07-20
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried on several accounts since being notified of this on my credit to have this corrected through disputes and through here. I have spoken with XXXX at XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  she stated that there was no outstanding balance owed from XX/XX/XXXX XXXX
Consumer complaint received 2023-07-20
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. (FL)

In accordance with the fair credit reporting the following accounts have violated my rights XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida Department of Revenue 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

I NEVER GAVE WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ALSO IM INVOKING MY RIGHT TO PRIVACY THIS IS MY LAST ATTEMPT BEFORE A CIVIL LAWSUIT WILL TAKE PLACE IMMEDIATELY BECAUSE THIS COMPANY IS KNOWINGLY VIOLATING MY RIGHTS IM OPTING OUT PLEASE REMOVE THIS IMMEDIATELY
Consumer complaint received 2024-02-28
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. (FL)

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 2023-05-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (NJ)

Hi, I signed up and enrolled for the {$100.00} savings account bonus from Marcus on XX/XX/2023. To receive the bonus, I had to deposit {$10000.00} or more and leave the money in the account until XX/XX/2023 with a payout on XX/XX/2023. I initiated a {$10000.00} transfer on XX/XX/2023 after enrolling and did not touch it. 

After not seeing the {$100.00} deposited on XX/XX/2023 I reached out to their support and was told " Thank you for your patience. Upon checking, I see that request has been submitted for the {$100.00} Cash Bonus. Rest assure {$100.00} cash bonus will be credited to your account. I would request you to please wait. '' I have reached out 3 times not to support for an update and each time I receive a mixed message response with no apparent update on the bonus. 

Best, XXXX
Consumer complaint received 2023-07-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Department of Education has requested a copy of the call from XX/XX/XXXX as proof I contacted them and asked for a forbearance. I confirmed with several representatives that confirmed the conversation on XX/XX/XXXX and XXXX representative that pulled the call and acknowledge I called to request the forbearance. They are failing to acknowledge or take responsibility that their representative made this error and correct the reporting. Also they finally placed the Forbearance on the loan active as of XX/XX/XXXX but reporting me 90 days past due for XXXX. This shows there is incompetency with this company but yet I'm being penalized.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

ON XX/XX/2022, XXXX, XXXX, AND EXPERIAN CREDIT BUREAUS REPORTED A DELINQUENT MEDICAL BILL TO MY CREDIT REPORT DAMAGING MY CREDIT. THE ACCOUNT NAME XXXX XXXX XXXX REPORTED I OWED {$480.00}. I NEVER SIGNED ANY CONTRACT WITH THIS COMPANY XXXX XXXX XXXX NOR DO I OWE ANY MEDICAL BILLS. I'VE WRITTEN LETTERS TO ALL 3 CREDIT BUREAUS IN AN ATTEMPT TO VALIDATE THE ACCOUNT AND THEY HAVE ALL YET TO RESPOND TO MY REQUEST WITHIN 30 DAYS WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. THEY HAVE NOT EVEN CHANGED THE ACCOUNT STATUS TO BEING IN DISPUTE. GIVEN THAT ALL 3 CREDIT BUREAUS HAVE REPORTED THIS FALSE INFORMATION ON MY CREDIT, ESPECIALLY XXXX WHICH HAS RECENTLY BEEN UNDER FIRE FOR REPORTING FALSE INFORMATION TO SEVERAL CONSUMERS ON THEIR CREDIT REPORTS, THIS INFORMATION NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY!