davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-17
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. (NJ)

I have a claim from XXXX XXXX credit card, disputing that my account with them is negative. I already spoke with them and addressed the issue. The account has been paid off. I would like this account to reflect my current status, and be taken off as a negative account in my credit information.
Consumer complaint received 2023-01-13
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)

This is my other 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-06
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. (TX)

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 XXXX XXXX XXXX. 

Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXXXXXX : Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX A. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX years. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) 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 2023-03-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

I disputed 4 fraudulent transactions which totalled {$22.00}. Only two transactions were addressed and those two were refunded for {$10.00} total, and then blackhawk closed my case and has been ignoring any additional messages asking about the other two fraudulent transactions which total {$12.00}.

These are the 4 transactions that I disputed months ago. 

XX/XX/XXXX XXXX XXXX XXXX XXXX Posted - {$4.00} USD XX/XX/XXXX XXXX XXXX XXXX XXXX Posted - {$6.00} USD XX/XX/XXXX XXXX XXXX XXXX XXXX Posted - {$6.00} USD XX/XX/XXXX XXXX XXXX XXXX XXXX Posted - {$6.00} USD I submitted all requested documentation via both fax and email and was told all four would be refunded yet again, I've not received the last {$12.00} owed to me.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX 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 2019-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

- I opened a USAA checking account online on XX/XX/2019 using my debit card as instructed I then recieved an error and was instructed to put in my checking account and routing which i did and account was opened. 

- money was never removed with checking account number but my card was charged for the deposit and was showing on my statement but USAA said they never recieved funds.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NJ)

I have been receiving letters from Citibank stating I have a credit card with a balance for over one year now. I called several times ( listen to recordings ) and got passed around, and got hung up on. When I finally got a somewhat intelligent human being at that awful bank they said they would start an investigation of fraud. I then received almost a year ago exactly copies of my checks that I wrote paying the card off from XXXX! I didnt report that I never had the card, I did from college and it is joint with my father. I had it in XXXX and paid it off and cut it up in XXXX. It is my maiden name, which I have not had since XXXX. They have my email address from 6 years ago, I have moved but they found that address of course. I have not have the card in my possession since XXXX. I called last week and citibank told me I owe nothing. Now I get a letter, with no phone number to call, very convenient saying I owe money on this card that has been gone since XXXX, which is it? So any charges on it 8 years later, is not me!!! I want Citibank to stop being a horrible bank and take it off my credit!!! It is fraud!! I did not make those charges, I blame the fraud on Citibank. They are the most incompetent bank I have ever dealt with. If anyone is reading this, do not use Citibank, they are untrained, incompetent, rude and an immoral bank.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have autopay to pay Kohl 's bill monthly and my checking account info on file so payment can be deducted My XXXX payment did not get deducted and I was charged {$29.00} for past due I called Kohl 's customer service on XX/XX/XXXX and spoke with a man who did not listen to me. He just kept asking for a payments I'm trying to rebuild my credit since my husband passed away In XXXX This infuriates me Due to incompetentcy on Kohl 's part
Consumer complaint received 2024-03-06
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. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-03-06
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX  Balance : {$290.00} ; XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$920.00}.
Consumer complaint received 2022-10-06
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. (FL)

I made a uniform decision on XX/XX/XXXX when I entered a bank XXXX XXXX XXXX XXXX. The only evidence of debt is the agreement, but that agreement is null and void because I made an uninformed decision and I didn't understand the meaning, it was not clear to me, and conspicuous. on XX/XX/XXXX, I sent a letter to the credit bureau and Bank XXXX XXXX asking for them to remove the inaccurate information on my credit both parties refused to comply with granting my rights. After 30 days 3 credit bureaus XXXX, XXXX, and Transunion updated my credit report with more inaccurate information on my credit.
Consumer complaint received 2019-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I had a cashier 's check drawn up to pay for a passport renewal. I had ordered checks but I was unsure they would arrive in time. I asked the teller if they entire amount would be refunded if I didn't use the checks and the teller said yes it would. I got a {$110.00} cashier 's check and was charged {$15.00} for the fee for the check. The next day I returned the check and was told the {$15.00} was not refundable even though less than 24 hours I was told it was. I called the bank on XX/XX/XXXX and they refused to refund the free. I am requesting my {$15.00} fee to be returned.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected.XXXX XXXX XXXX Balance : {$4600.00} ; XXXX XXXX XXXX XXXX : {$1300.00}
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Correct the errors on my credit report immediately by deleting the late dates of the disputed items as mandated by the FCRA. Despite my multiple attempts to resolve this issue, your failure to respond appropriately is a clear violation of the law, and I demand prompt action. The FCRA provides penalties for non-compliance, and I expect you to rectify this matter without further delay or face legal consequences. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please update these accounts ASAP.
Consumer complaint received 2017-07-22
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. (MD)

They would try to agressively collect money from me over the phone. I paid them all of the money I owed. They would n't work with the repayment arrangement and I have derogatory information on my credit report.
Consumer complaint received 2015-06-28
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (IL)

Our Son had medical problems and suffered a XXXX XXXX XXXX and We discovered that he had this title loan and i went over to the title max office to pay off this loan and I about had a XXXX XXXX when I seen that they had a ludicrous Interest rate of 167.88 % SAD World when these type of people are allowed to charge a phenominal interest rate to people who are already in deep financial trouble. HOW CAN THIS EVEN BE LEGAL?? NEW LAWS NEED TO BE ENACTED, and all financial institutions should not make any types of loans that the people can never re pay! This file is written by father, XXXX XXXX XXXX who paid off this loan.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (AZ)

In XXXX, Direct Express closed my account and instructed me to contact social security to redirect my benefits. However, in XXXX, social security mistakenly sent my benefits to Direct Express, and they confirmed that direct express received the payment through a " cleared ACH transaction ''. Unfortunately, I have been unable to reach Direct Express by phone since XX/XX/XXXX, despite my numerous attempts. The automated phone attendant advises me to call back during non-peak hours, but even after calling hundreds of times throughout the day and night, I have been unable to get through to them.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-03-29
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. (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 : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX, Account name : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX, Account name : XXXX XXXX XXXXXXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX Original creditor : XXXX XXXX XXXX  Account number XXXX XXXX, Account Name : XXXXXXXX XXXX  Account number : XXXX, Account Name : US DEPT OF EDXXXX Account Number : 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 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 2017-07-22
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)

I 've disputed with them over and over that I WAS NEVER LATE with XXXX XXXX XXXX Credit Card. All three bureaus stated the account was verified with no proof. My account is paid on time or ahead of time and paid in full most of the time or min payments and my account is on AUTOPAY. They will not remove the late payments from my account.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

more incomplete information that is not mine on my report. This is the third time in the last XXXX months bank of amer need to be removed XXXX XXXX needs to be removed Evidence is attached below.
Consumer complaint received 2023-01-12
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. (VA)

My mortgage was purchased by XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) and they notified the credit reporting agencies that I was XXXX XXXX late on a payment. My XXXX  account is set to automatically make the payment on the XXXX of the XXXX and processed normally. My payment amount increased, and I was not notified so rather than processing the partial payment they held it. When my next payment arrived XXXX XXXX later, they applied it to the principal but kept holding the XXXX payment and reported it as XXXX XXXX past due. They finally contacted me, and I made the payment and adjusted my autopay. XXXX XXXX ( Company ) indicated that they applied the XXXX payment to the principal because it was in the same XXXX  My payment history clearly shows this is not their standard procedure because if the XXXX falls on a weekend or holiday the payment is processed the day before and this happens frequently. I believe they should have released the payment being held ( without notification ) and I would not have been XXXX XXXX late. When I contacted them, they reversed the incorrectly applied principal payment and the one being held after I made the additional payment to cover the difference in the new amount. I contested the negative entry as my credit score dropped over XXXX points. I reviewed the comments on XXXX XXXX XXXX XXXX page, and they appear to consistently have poor business practices.
Consumer complaint received 2022-08-17
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: EQUIFAX, INC. (NC)

I am going over my credit report and i have tried to deal with this through eqiufax multiple times over the past year. Sending multiple letters and making mulitple phone calls. I never applied or gave anyone my authorization to run my credit profile. The following inquires were not made by me and was identity theft. XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX