davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I notified XXXX XXXX XXXX that I was leaving for a XXXX XXXXXXXX. I set up auto bill pay with them before leaving, as I knew I wouldnt have internet most places. After arranging bill pay, I learned during a brief period of internet availability that they hadnt pulled the payments in 3 months, and had been reporting me to the credit bureaus. I paid the past due balance, notified them I was XXXX, and told them to pull all future payments automatically for the duration of the XXXX. I came back from another remote area of the country on XXXX and saw that it had gone past due again. The missed payments were XXXX, XXXX, and XX/XX/2017, then again XXXX of the same year. The missed payments have caused my credit score to take a more than 100 point hit. I have since paid off the account, but after disputing the circumstances with TransUnion, the missed payments remain on my credit report.
Consumer complaint received 2018-09-08
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: Army and Air Force Exchange Service (AZ)

I notified XXXX XXXX XXXX that I was leaving for a XXXXXXXX XXXX. I set up auto bill pay with them before leaving, as I knew I wouldnt have internet most places. After arranging bill pay, I learned during a brief period of internet availability that they hadnt pulled the payments in 3 months, and had been reporting me to the credit bureaus. I paid the past due balance, notified them I was XXXX, and told them to pull all future payments automatically for the duration of the XXXX. I came back from another remote area of the country on XXXX and saw that it had gone past due again. The missed payments were XXXX, XXXX, and XX/XX/2017, then again XXXX of the same year. The missed payments have caused my credit score to take a more than 100 point hit. I have since paid off the account, but after disputing the circumstances with XXXX, the missed payments remain on my credit report.
Consumer complaint received 2023-03-18
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-07-10
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NM)

I lost my phone on or about XX/XX/XXXX and so I reported it stolen when I got a new phone on XX/XX/XXXX I went to connect all my accounts to a new phone I realized I've been waiting on a deposit from my financial aid and it had got there and all of it was gone so I've reported it to chime and made a police report changed all my banking information as chime requested and they still denied me my money in the end
Consumer complaint received 2022-07-10
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. (TN)

I returned my XXXX XXXX lease in 2016 after lease was complete and my account was closed. My account status should not reflect late or deliquent. My account status should say closed.
Consumer complaint received 2018-09-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im disputing XXXX XXXX XXXX XXXX Account # XXXX. The reason for dispute is because I had and agreement with XXXX XXXX on the date of XX/XX/2018. XXXX XXXX agreed that I would receive the proper repossession paperwork on the date of XX/XX/2018. Exactly 14 days from my request or all previous agreements and arrangements between XXXX XXXX and I will become null in-void. I never received this paperwork. XXXX XXXX even asked for and extension of 30 days. It is now the date of XX/XX/2018 I still have not received this paperwork. Failure to validate debt in 30 days is Furnisher FCRA rule 660.4 ( e ). Also Furnisher rule 660.4 ( e ) states inaccurate dates of account activity and payment is a  violation this account also has different dates of account activity between CRAs. If you as the CRA does not remove this account immediately that means you will be in violation as well of FCRA ACT section 1681s-2 ( a ) which is willing and knowingly reporting inaccurate information. I have and ILLinois States Attorney General claim for this matter as well case # XXXX. I suggest your CRA removes this information right away before I also file claim and suit against your bureau as well. Item has already been removed by XXXX. I have all supporting proof and documentation to have this account removed immediately. 
Attached documentation are as follow no particular order. First communication with XXXX XXXX Thru CFPB on XX/XX/2018. Next document is first letter agreement of 14 day response from XXXX XXXX. Following documentation is extension for additional time letter sent by XXXX XXXX. Documentation of follow up letter sent by me after XXXX XXXX violated the agreed upon dates. I have certified mail receipt attached for proof they received letter. Also attached is credit report proving inaccurate payments and inaccurate dates of activity. Also proof of deletion by XXXX of this account.
Consumer complaint received 2023-03-18
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. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$3100.00}
Consumer complaint received 2022-07-10
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. (NY)

In accordance with the fair credit reporting act the list of accounts below had violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681 Account # XXXX - US Dep Ed, XXXX - XXXX XXXX XXXX, XXXX US Dept Ed, XXXX - XXXX, XXXX - US Dep Ed, XXXX - XXXX XXXX, XXXX - XXXX, XXXX - XXXX XXXX, XXXX - XXXX, XXXX - XXXX XXXX, XXXX - XXXX XXXX, XXXX -XXXX XXXX XXXX - XXXX XXXX XXXX -XXXX XXXX XXXX have violated my rights. 15 U.S.C 1681 ( a ) ( 4 ) FCRA section 602 A ). states I have the right to privacy 15 U.S.C 1681b-a ( 2 ) ( section 604 A section2 ) : it also states a consumer reporting agency can not furnish an 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 ( they may only report crimes. Not " Debts '' ) which antidates the report by more than seven years is 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 information is accurate.
Consumer complaint received 2022-03-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 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 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 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 Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-18
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX {$31000.00}.
Consumer complaint received 2018-09-08
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

Please refer to prior Case Submission XXXX. I received from XXXX XXXX Office of the President of 5th Third Bank and have contacted and left several messages on her office phone XXXX to address such issues. I was paid monies that were owed to me I believe on stolen bank accounts that was addressed in my prior correspondences. I indicated that aka XXXX XXXX is the individual who had the contacts at your bank to put a bank account onto my XXXX Credit card and paid monies from that bank account onto my XXXX CARD to pay down my credit card bill that monies were owed to me for services rendered on a marketing campaign. I was not involved in knowing who the parties were etc only that monies were paid out for services and payment was supposed to be paid back to me via my credit card. XXXX XXXX acted in concert with XXXX XXXX who has a XXXX XXXX fraud case with the CFTC and monies were probably used to pay his legal bills. The only accounts that I knew what was entered into XXXX as a transaction number. This was a well fueled scam that both defrauded the banking system in addition to myself. Mr. XXXX deals with cryptocurrency and he used his knowledge in the banking world to perpetrate this heinous crime. 

I called several times to go over this with Ms. XXXX and as of today still has not returned any phone calls ... The number of gave her was my cell phone XXXX or one of my office lines XXXX. 

Since the bank security was violated I would not be out my monies if they were not able to violate the bank information that recycled this scam. If the public was to understand this type of crime that the banks are allowing insiders to gain access to individuals accounts this would ruin the banking system .... I want the monies that were rightfully owed to me and for the banks to police their internal policies better to protect people like myself
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NV)

XXXX XXXX XXXX posted a debt of {$2600.00} on my credit report dated XX/XX/2017. I did not attend this school in 2017, nor did apply for a student loan or open any accounts during this time. This is impossible and can not be accurate information. I mailed a certified letter to this company which they received. I received no response to the letter. I do know purposely posting inaccurate credit information is a violation against my rights as a consumer and I would like my rights not to be violated.
Consumer complaint received 2018-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

Bank of America Inbox x XXXX XXXX XXXX <XXXX> XXXX XXXX ( 6 hours ago ) to consumer.mediation Hello, Told this story to a friend and they suggested I relay it to your office. 
My wife and I have been XXXX Mastercard holders since XX/XX/1986. Over that 32 year time span we rarely carried a balance for more than a month. We had been working out of state and in the process of moving back home. I received a letter from Bank of America the end of XX/XX/XXXX during the move back, asking all kinds of financial information. I thought that was odd, especially when I saw we were to send it to an Arizona address. I just threw it away figuring it was a scam. Why would a credit card company need all this from a cardholder of 32 years that always paid their bill? 
We received a {$400.00} some odd dollar bill the middle of XX/XX/XXXX. Two days later I sent them a check for the total amount. About a week later I was at XXXX XXXX. When they ran my card, they said it was denied. A bit embarrassing but I figured it was just a computer glitch. I paid with cash and was on my way. A week after that, I was ordering some horse supplies from XXXX XXXX, a company whom I have dealt with for years and has my card number on file. When she tried to run my card number it was denied again. By then I was starting to get a bit miffed. I phoned Bank of America. Finally got through to a person and asked what was going on. They said they were no longer honoring my card because I did not respond with the financial information they requested. I asked them to explain the reasoning behind that action since we had always paid our bill. My call was forwarded to a number of BOA hacks. No one could tell me why they were taking the action they took. Finally on the last transfer, the phone just went dead. 
I have not used the card since then nor have I received any correspondence from BOA. Have you received any similar complaints? Is this legal? They are a credit card company, not my mother or the government. Sincerely XXXX XXXX XXXX
Consumer complaint received 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANSUNION continues to report a collection account on my report despite of me disputing it for the third time now. The collection account has many inaccurate information thats being reported. I also requested method of verification and got no respond. Collection agency reported account account without contacting me and said it can not be disputed. Collection agency also re-aging this account
Consumer complaint received 2018-09-08
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. (FL)

I have a credit monitoring program and was twice Alerted. I had been very busy and when I took the time to review, I saw two unauthorized hard hit entrys :.

1 ) XX/XX/2018 Transunion for XXXX XXXX and 2 ) XX/XX/2018 XXXX for XXXX XXXX I contacted XXXX XXXX and XXXX advised reports were ordered by XXXX XXXX XXXX and submitted a dispute on my behalf. 

I then called XXXX XXXX XXXX and supervisor XXXX XXXX advised that Section 9 allowed them the authority to order these reports without specific written consent and no further action would be taken. 

I disagree and believe they should remove these entries where ever applicable. 

Thank you, XXXX XXXX
Consumer complaint received 2023-03-18
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. (IL)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-18
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)

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 3 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 : {$130000.00} XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-07-10
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. (TN)

My account with XXXX 's has been paid and closed since XX/XX/2021. I have contacted XXXX 's multiple times to correct the error which they say they have but my report still reflects derogatory. This account needs to be removed from my credit report for inaccurate reporting since XX/XX/2021, at the very least remove they should remove derogatory remarks. I have attached a copy of my account status for XXXX 's acct XXXX.
Consumer complaint received 2018-09-07
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: JPMORGAN CHASE & CO. (CA)

In XXXX I was trying to get another Chase card to report what my correct high credit limit was and current outstanding balance to get updated as I had paid it down. I could not get XXXX nor XXXX  to show my historical limit was higher than was reported and disputed that account # XXXX 1st # s. By mistake XXXX/XXXX deleted a different Chase account from my credit report. I had a Chase Card with Slate for over 10 years with the last payment being made in XXXX of 2015. This account had a limit of {$13000.00}. I Closed this account and paid as agreed. For some reason XXXX and XXXX dropped this card from my credit history. I HAVE NEVER DISPUTED THIS ACCOUNT as is it is mine and had a XXXX balance when I contacted my creditor/Chase Slate they said they NEVER delete accounts from credit reports. I asked that XXXX  put the account they removed back on my report and they said they can not because Chase is the one that deleted the card. Chase told me XXXX has it on my older reports and should accurately report it Chase can not do anything about reporting. I have proof of this card and that XXXX was reporting it now they will not put it back on my report and it has damaged my credit score.