davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

While I appreciate your explanation regarding the Cardmember Agreement and the company 's compliance with relevant laws, I must reiterate the importance of rectifying inaccuracies on my credit report. As a responsible consumer, it's crucial for me to ensure that the information reported to credit agencies accurately reflects my financial activity and status.

I understand your stance on declining my request for an update directly ; however, I will proceed to send a copy of my current credit report, highlighting the discrepancies, to the provided address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

Regarding the allegation of violating laws, I would appreciate further clarification on how the company is ensuring compliance with the Fair Credit Reporting Act and other applicable regulations. Could you provide more insight into the steps being taken to ensure accurate reporting and consumer privacy?

Moreover, while I respect the decision to decline compensation, I seek reassurance that the matter will be thoroughly investigated for compliance verification and that these late payments will be removed from my credit report.

Thank you for your attention to this matter. I look forward to a constructive resolution.
Consumer complaint received 2022-05-02
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: ProCollect, Inc. (MI)

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-08-22
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. (LA)

I have disputed this problem more than once with the credit bureaus and gave statements and presented documents and still no progress I have been paying this company for my car after it got XXXX they are reporting false information and they are not showing anything I've paid since the before the XXXX they are also reporting I have XXXX  missed payment and that's not true if that was so they would have XXXX  the car again the way the payment arrangements were set up by weekly and by weekly my dates went along with my pay dates I asked to split my payments in half and the amount we agreed on I paid for awhile and I called them and set up a different amount they agreed but they are still showing I'm not paying so I have negative marks
Consumer complaint received 2019-08-22
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. (LA)

I have disputed this problem more than once with the credit bureaus and gave statements and presented documents and still no progress I have been paying this company for my car after it got XXXX they are reporting false information and they are not showing anything I've paid since the before the XXXX they are also reporting I have XXXX missed payment and that's not true if that was so they would have XXXX the car again the way the payment arrangements were set up by weekly and by weekly my dates went along with my pay dates I asked to split my payments in half and the amount we agreed on I paid for awhile and I called them and set up a different amount they agreed but they are still showing I'm not paying so I have negative marks
Consumer complaint received 2021-09-08
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. (CA)

Hello, to whom this may concern. An account with account # XXXX was opened in my name on XX/XX/2020 without my authorization with XXXX for {$6600.00}. I'd really appreciate it if this was taken care of and removed from my report.
Consumer complaint received 2021-03-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I received respond from Citibank, after several attempts to call and speak to XXXX XXXX at Citi XXXX Response Team, and sending her my copy of Drivers license showing my correct address she confirmed the new checks will be issued and mailed and she will call me before the end of the day XX/XX/XXXX. She failed to keep her promise, I have attempted to call her for several days and there is only recording to leave message and sent her email dated XX/XX/XXXX and XX/XX/XXXX. I have not received any call or reply from her or citibank about my funds. 

copy of the email sent to citibank Citi XXXX XXXX : XXXX, XXXX, & XXXX Hello XXXX, Further to email sent on XX/XX/XXXX and your call to me, you assured me that you are following up with someone to process the issuing the check and call me to confirm the next day but I have not heard from you. Can you please call or send me reply to when will you be mailing the checks to me? 
Thanking you. 
XXXX XXXX Copy of Email sent to you on XX/XX/XXXX As per our phone discussion on Monday you confirmed that you have received my copy of driver license with correct address and you are going to process the checks to be mailed by over night delivery and will call and confirm before end of the day. I have not heard from you since as promised, since I have tried to call you XX/XX/XXXX and XX/XX/XXXX but there is recording message call regular business hours and leave message, I have called regular business hours and also left messages to speak to you but I have not heard from you. 
Would you kindly get back to me regarding my mailing of the funds. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2018-07-30
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. (OR)

I am a victim of identity theft.My personal information was compromised and accounts were opened fraudulently in my name without my knowledge and approval. I sent this company my dispute and my identity theft report on XX/XX/XXXX and XX/XX/XXXX but to my surprise this company have not removed the fraudulent inquiries from my credit report within the 4 days as required by law. Again this inquiries are fraudulently reporting on my report, please delete asap : XXXX pulled last XX/XX/XXXX XXXX/ XXXX pulled last XX/XX/XXXX This my third and final notice to this company as I declare my final Intent to sue.I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information.

I have enclosed a copy of my Identity Theft Report and My Previous dispute to the company.
Consumer complaint received 2022-11-19
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. (CO)

I HAVE TRIED TO SUBMIT NEW DISPUTES, WITH SUPPORTING DOCUMENTATION, UPLOADED, BUT TRANSUNION WILL NOT ALLOW THE DISPUTES TO BE REVIEWED, AND ALONG WITH NOT ALLOWING THE DISPUTES TO BE REVIEWED, TRANSUNION WILL NOT CORRECT THE INACCURATE INFORMATION, AND THE INACCURATE REPORTING, UPON MY CREDIT REPORT ... EVEN WITH THE EVIDENCE, OF INACCURACIES, PROVIDED. 

I HAVE PROVIDED PROOF OF PAYMENT, ON TWO CREDIT CARD ACCOUNTS, FOR EXAMPLE, AND THE CREDITORS CONTINUE TO REPORT 30 - 60 DAYS LATE, EVEN WITH PROOF OF PAYMENTS. TRANSUNION HAS NOT CORRECTED THE REPORTING, EITHER, AND WILL NOT ALLOW FOR MY SUPPORTING DOCUMENTATION, AND DISPUTES, TO BE REVIEWED. TRANSUNION WILL NOT CORRECT THE INACCURATE REPORTING, EVEN WITH REVIEWING MY PAYMENT HISTORY, ON BOTH ACCOUNTS. 

THE TWO CREDIT CARD ACCOUNTS, FOR WHICH, I AM REFERRING ARE XXXX  CARD AND XXXX  CARD. BOTH ACCOUNTS ARE REPORTING 30 DAYS LATE IN XX/XX/2022 AND 30 - 60 DAYS LATE, IN XX/XX/2022. I WAS NOT 30 DAYS LATE, IN XXXX, AS THE COMPANIES ARE REPORTING. MY PAYMENTS WERE DUE, ON BOTH ACCOUNTS, ON XX/XX/XXXX, AND I MADE THE XXXX PAYMENTS, AND XXXX PAYMENTS, TOGETHER, ON XX/XX/XXXX, ON BOTH ACCOUNTS. THEREFORE, I WAS NOT 30 DAYS LATE, ON XXXX PAYMENTS, AND I WAS EARLY, ON XXXX PAYMENTS, BECAUSE XXXX WAS DUE, ON XX/XX/XXXX, AND I MADE THE PAYMENTS, ON XX/XX/XXXX. THE XXXX  CARD PAYMENT WAS FOR XXXX DOLLARS, ON XX/XX/XXXX, AND THE XXXX  CARD PAYMENT WAS MADE FOR XXXX DOLLARS, IN XX/XX/XXXX. ONCE AGAIN, BOTH, XXXX AND XXXX PAYMENTS WERE INCLUDED, IN THE XX/XX/XXXX PAYMENTS. 

TRANSUNION, AND THE CREDITORSXXXX XXXX AND XXXX, ARE NOT CORRECTING THE INACCURATE INFORMATION/REPORTING, ON MY CREDIT REPORT. MY CREDIT SCORE IS BEING NEGATIVELY AFFECTED, WHICH IS MAKING IT IMPOSSIBLE, TO BE APPROVED, FOR CREDIT, WITH OTHER CREDITORS. I AM REQUESTING THAT THE INACCURATE REPORTING BE CORRECTED, TO REFLECT " NEVER LATE '' AND " PAID AS AGREED '' AND A " CURRENT '' STATUS, WITHIN XX/XX/2022 AND XX/XX/2022. THERE IS INACCURATE REPORTING, ON A PREVIOUS MONTH, AS WELL, ON BOTH ACCOUNTS, BUT THE CREDITORS CONTINUE TO CHANGE THE MONTH, WHICH THEY ARE REPORTING AS, " LATE '', IN THE PREVIOUS MONTH, WHICH IS BEING REPORTED, AS " LATE ''. TO EXPLAIN, FURTHER ... CURRENTLY, I BELIEVE, THE CREDITORS ARE REPORTING XX/XX/2022, AS LATE, AS WELL. I WAS LATE, POSSIBLY, BUT I WAS NOT 30 DAYS LATE, AS BEING REPORTED. ALL, WHICH NEEDS TO BE DONE, IS REVIEW MY PAYMENT HISTORIES, WITH THE CREDITORS, AND IF I WAS NOT 30 DAYS LATE, THEN, DO NOT REPORT, AS 30 DAYS LATE. A SIMPLE SOLUTION...
Consumer complaint received 2021-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (MD)

Originally the medical bill was to from XXXX for XXXX XXXX 3 years ago. They didnt file in time with XXXX but little did they know my mother works for XXXX XXXX XX/XX/XXXX. So they put it on my credit as Im only 22 now and was born XX/XX/XXXX I didnt know until I recently started checking my credit. They said that they sent us hills and my mother checks all my mail and will attest we never received anything from them, not to mention I have insurance so it shouldve been billed to them. So it went to Wakefield and Associates. Since recently Ive gotten XXXX to bring the balance to XXXX with the help of my mothers XXXX people who know they didnt give timely filing. Now since XX/XX/XXXX Wakefield and associates says its been submitted to be removed from the bureaus, although XXXX says they havent received anything since XXXX, and its XXXX now. they keep running me around in circles but nothing has been getting done since XXXX. XXXX has caused the strain of properly billing the insurance company and then placing it on my credit and the collections company is telling me they reported it but XXXX isnt seeing any change. Ive talked to them and told them what transunion has said and they say they cant supply me with a letter to the bureaus that it has been submitted for removal.
Consumer complaint received 2018-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (NY)

XXXX XXXX XXXX is claiming that I owe them {$490.00} on a XXXX bill that I have no knowledge off, I try to explain to the company that I I do not own this account and they have no proof that this debt belongs to me They are refusing to remove this collection account off my credit report.
Consumer complaint received 2021-09-08
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have been trying for two days ( XX/XX/XXXX & XXXX, 2020 ) online and on the phone tring to get my log in information so I can log in to our accounts check our report and then put a freeze on both of our accounts. When I get online it tells me my password is wrong so I change it. It lets me change it by sending a link to my email, but still won't let me in, tells me to call. When I call they ask me a bunch of questions which I answer all of them CORRECTLY. I am not stupid I know how much I owe and to whom, but I don't know if they have the correct information because they won't let me into my account to check it. I want to freeze both our accounts because of all the fraud and breeches going on. I can't even do that! Also why do every number I call for them sends me overseas to a person that I can not understand on the phone! No wonder there are such problems. Why are all the call centers for our credit not in the United States?! I want someone from Equifax in the United States to call me get me into my account so I can freeze it.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc (CA)

I have 2 pending transactions for XXXX for each stay at a XXXX XXXX XXXX stay in which the room and tax has already finalized and the incidentals held were released from the hotel but has not been released from Venmo. In their policies it states that I would need to wait 30 days for the hotel business to finalize. The dates of my stats are XXXX XXXX XXXX as well as XXXX XXXX XXXX. I have contacted Venmo on numerous occasions and they keep telling me that they will make a claim, have someone email me, and make it right. I still have not received any of my money and I dont know what to do.
Consumer complaint received 2021-09-08
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: Experian Information Solutions Inc. (NJ)

Unauthorized Inquiries on my credit reports with Experian, XXXX and XXXX : XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX
Consumer complaint received 2024-02-29
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. (PA)

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 
As a consumer I am demanding the deletion of the accounts listed iMMEDIATELY.
Consumer complaint received 2021-09-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC (RI)

I was never notified that I owed a debt by the company. Debt collection agency constantly calling my phone and leaving messages and threatening to keep calling me until I pay a debt that Im responsible to pay them for. They threatened to keep sending negative report to all credit three bureaus in order to get a payment out me. Theyve already impacted my credit report which caused me to be in more financial hurdle. I want them to stop calling me and leave me alone. I dont owe them debt and they need to get rid of my information.
Consumer complaint received 2022-11-19
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. (DC)

I requested a copy of the legal agreement for this account showing my signature. I also requested a copy of all related documents with my authorization and acceptance of terms and conditions. I received a response stating that the account was reported accurately but did not receive the requested documents. I tried to request the same information a second time and was denied. I was told I could only request this information once and the company verified as accurate. I submitted another request asking for an explanation from the credit agencies on how they can verify something I never approved. That request was also denied. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXXC 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2018-03-09
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 — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc. (NY)

I contacted all three credit bureaus regarding unverified debt appearing on my credit report. I sent a individual letters to each bureau asking for verification of debt regarding my credit report and score. On XX/XX/2017 I sent these letters with certified mail and the letters were received by each bureau. The letters simply stated that this debt verified and proof of documentation to be presented within 30 days. If not simply stated the following : Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

XXXX has yet to remove this debt from my credit reports which is adversly affecting my credit score and credit worthiness.
Consumer complaint received 2023-03-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC)

On XX/XX/2023, I have sent {$250.00} to XXXX XXXX XXXX XXXX  account and the money has never been available. I have contacted Moneygram multiple times and they told me that the money was available but the receiver, XXXX reportedly stated that the money has not been available because the money never lands in her account. I have contacted Moneygram multiple times and the Moneygram did not resolved my issue
Consumer complaint received 2021-09-08
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: EQUIFAX, INC. (TX)

On XX/XX/2021 I sent a dispute letter to all 3 credit agencies to verify the inaccurate and unverified information I demand to be removed from my credit report. It has been more than 30 days and not a single response from any of the agencies. This demand to comply letter states the accounts in question and per federal law with the FCRA I demand these accounts be removed from my credit file 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XXXX Following up. Company responded and marked case as closed. HOWEVER The documentation provided by regulatory compliance officer assigned to this case only serves to strengthen ( confirm? ) my suspicion that there exists duplicate accounts. There is an inflection in interest charge calculations.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite my continued efforts, I have yet to see any resolution to these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress that I consider this matter of utmost importance. Should you disregard my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough reexamination of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. If such evidence can not be provided, I demand the immediate removal of these items from my report.
Consumer complaint received 2022-05-02
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. (TX)

I did not authorize these inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX