davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-04
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. (TX)

Account included in my bankruptcy, this account originally started as a pay loan in XX/XX/XXXX and in XX/XX/XXXX i filed for bankruptcy and included this account in my petition case is ongoing, Then XX/XX/XXXX i saw this report included in my credit.
Consumer complaint received 2020-11-16
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. (CA)

On XXXX I sent a letter regarding inaccurate and unknown accounts reporting to my credit report, over 60 days I have yet to receive a response on investigation. At this stage in the process my XXXX  has grown ; feeling that my disputes have been ignored. Section 611 ( a ) of CFRA plainly states that a failure to investigate these items within 30 days gives reason to immediately remove items from my credit report, it has been over 60 days and the disputed items should be removed promptly. I demand these accounts be deleted immediately or I will be filing for litigation due to the XXXX/XXXX  caused. Also, my personal information was subject to being compromised in the XXXX  data breach and possibly placed in the hands of individuals with ill intentions.
Consumer complaint received 2020-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2020 I received a mobile banking alert from my bank at the time Bank of America alerting me that my account was negative, upon checking my account I noticed that it was severely negative. I have tried contacting the bank after multiples attempts to get in touch with someone I was placed on hold for long periods of time until the call eventually dropped. I was finally able to get a hold of someone, finally get transferred to the fraud department to only find out that my account was closed without speaking to me regarding the fraudulent activity that took place on my account. A month prior to this incident I have contacted the bank alerting them that fraud was suspected on my account due to funds disappearing without my authorization.
Consumer complaint received 2022-12-30
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. (TN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

I maintain credit freezes with all 3 major credit agencies. I responded to a re-fi offer. That company exclusively uses Experian for credit checks. I told the re-fi people I would lift the freeze for them and we coordinated the number of days they would need. I went online to perform this, which I have performed numerous times before, since I have had freezes for at least 20 yrs. The process would not work and all I was given for recourse online was a phone number. I phoned the number numerous times trying different combinations of 'number selection ' in their decision matrix only to always end up at " send documentation via USPS , wait a while, and we'll lift the freeze ''. 
This is totally unsatisfactory since rates are changing daily. I emailed Experian about the problem a few times and they continually offered 'help ' by having me call the exact same number that 'dead ends ' at 'send us mail '. They provide no way for communicating to resolve this inability to control my frozen account. The account remains frozen and I still do not have the ability to lift the freeze. During the course of this, the agent selling the re-fi was himself able to get around the supposed security offered by Experian and lift the freeze himself. I believe this is a clear violation of the law. He did have my ssn and personal info from the application process, but he did NOT have my pin number, so I can not understand how this occurred. Experian refuses to provide a working phone # to resolve this problem and refuses to offer help/instructions to allow me to control my frozen account and offers no methodology to fix whatever computer issue may be at fault. This amounts to a denial of credit at the least.
Consumer complaint received 2020-12-10
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: Experian Information Solutions Inc. (TX)

XXXX I downloaded the Experian credit app and notified my credit was significantly different from my other two reporting agencies. After further investigation, I noticed there was an open account for a loan for the amount of {$5000.00} open in XXXX of XXXX. I have never applied for the loan nor have I ever been made aware of this loan. All of my loans I have taken out for college have been through XXXX XXXX and have been paid on time 100 % of the time. I also noticed that my credit score recently went down 121 points due to the account being 180 days delinquent. I have tried disputing this through Experian and have not had any luck. Theres no phone number to reach this company at, or I would have called to try and dispute on my own. As stated before, I never applied for this loan and have never received a notice that I have ever taken out this loan.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/ i was charged a " cash equivalent transaction fee '' in the amount of XXXX after buying a purse online for XXXX via XXXX... .this was done on a bank of America credit card . I called today and spent 54 minutes on the phone with 2 representatives who told me it was processed as a cash advance despite the fact the checkout clearly showed a visa logo. The representatives told me they were unwilling to refund the fee and know that it was a mistake but sometimes it happens and it is the problem of the customer and they refused to refund the fee. If there is a visa logo it should be processed as a credit card same as anywhere else, I want this fee reversed.
Consumer complaint received 2020-12-10
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. (CA)

We were shut down due to covid, we are a XXXX. 
XXXX XXXX offered us a deferred payment option. 
We accepted it and let them know we were shut down due to covid and we are unable to make payments until it's over. 
They accepted it, and said we were in the program. 
2 months later, we got late payment notices, and they said that we owe them the minimum payment despite saying we didn't have to pay it. 
I told them we couldn't as we're shut down, the said they would defer the others, but we can't use the card and we are still getting charged fees and if we wanted it removed, then we need to pay. 
So we sought to find money to pay it, meanwhile XXXX XXXX reported us to the credit reporting agencies even though they knew we're shut down to covid. So we contacted them, and they said we can only get it off our record if we pay the past due fees despite the Covid issues. We were forced to find outside money and pay, and they said they'd remove it from the credit reports. Then, after we paid the fees they are now refusing to remove from the bad reporting. 
It has now been 6 months and 45 phone calls to them. Each time a representative acknowledges and apologizes and says they'll fix it. Then some mean person calls and says they won't fix it. It's a simple error rfor them to fix.
Consumer complaint received 2023-03-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Valor Intelligent Processing, LLC (SC)

XXXX has been irresponsible transferring my cell phone account to debt collectors that don't provide excellent service to my cell phone account. 

XX/XX/2022, I transferred my cell phone number from XXXX to XXXX. 

Doing transfer process, I was waiting for XXXX to help pay for the transfer from XXXX. 

I was making payments on my XXXX account until I receive T-Mobile compensation to help pay on my account. 

Instead of XXXX keeping my account, they transferred over to a debt collector that was unprofessional in handling my account. 

2 months later, XXXX put my cell phone account on my credit report which was {$280.00}. 

XX/XX/2022, debt collector, handling my account, tell me I owe {$330.00}, but I told them that's not what I saw on my credit report, which was {$280.00}. 

They told me it was their added on fee, I didn't pay because XXXX did not warn me it was sending my cell phone account to a debt collector. 

Fall of 2022, my cell phone account was transferred again to a different debt collector. 

This one is Valor Intelligent Processing , LLC. 

They send me two separate letters both saying I owe {$330.00}, which is unfair due to the way how XXXX and these two debt collectors handle my account.
Consumer complaint received 2020-10-12
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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (FL)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX 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 2020-10-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I contacted Transunion via telephone XX/XX/XXXX. XXXX, after XXXX XXXX notified me of a negative collection on my account. I also received a statement from XXXX  aka XXXX XXXX XXXX XXXX late XXXX in which I responded by US mail stating I did not owe this debt and show me your proof. I still have not received a response from XXXX  When I spoke with customer service at Transunion, I was told it this negative collection by XXXX  was removed and put back on my credit file at at the request of XXXX Company. At that point, I asked to speak with a supervisor. A supervisor named XXXX took my call. Told me it was not up to them to verify information. I told him that was incorrect. There job is to verify consumer information. Told him I mailed Transunion a package with all my receipts and pertinent information that validates my claim. I gave him the USPS tracking number and he said they never received it and continued to tell me to work it out with XXXX  Company. This supervisor with Transunion had a strong foreign accent as did the first Transunion employee who assisted me and it appeared to me this people were from another country handling the calls and had no experience and gave me wrong information. They are supposed to verify all information from me and the collector which they did not do. 

XXXX supervisor with Transunion told me I must have sent my package to wrong address. It was mailed with tracking to their XXXX. XXXX XXXX - XXXX, PA, which I verified with him. Still he said they never received it. I am at wits end for this has affected my credit file. XXXX  will not place this collection on my credit file because they could not verify XXXX XXXX 's collection on me. My credit score with XXXX  is excellent but Transunion continues to defy my requests to get documentation from XXXX  company concerning this so called debt they claim I owe.
Consumer complaint received 2020-11-16
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 XXXX I sent a letter regarding inaccurate and unknown accounts reporting to my credit report, over 60 days I have yet to receive a response on investigation. At this stage in the process my anxiety has grown ; feeling that my disputes have been ignored. Section 611 ( a ) of CFRA plainly states that a failure to investigate these items within 30 days gives reason to immediately remove items from my credit report, it has been over 60 days and the disputed items should be removed promptly. I demand these accounts be deleted immediately or I will be filing for litigation due to the stress/anxiety caused. Also, my personal information was subject to being compromised in the Equifax  data breach and possibly placed in the hands of individuals with ill intentions.
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

i AM XXXX XXXX XXXX AND I HAVE SEVERAL CREDIT CARDS WITH SEVERAL RETAIL STORES ... AND SYNCRONY BANK IS WHO I MAIL MY PAYMENTS TO. XXXX XXXX ..DISCOUNT TIRE,,, ETC ... SYNCRONY BANK IS SENDING ME EMAILS THAT IN XX/XX/2021 THEY ARE NOT GOING TO SEND ME PAPER STATEMENTS SO ICAN MAIL BY CHECK MY PAYMENTS..I ALWAYS PAY BY CHECK. THEY SAID I WOULD BE RECEIVING EMAILS TO MY COMPUTERS OF MY STATEMENTS.. I TOLD THEM THAT MY COMPUTER IS OUTDATED..AND I DO NOT ALWAYS USE IT. AND THAT I AM NOT PLANNING ON KEEPING THE INTERNET SERIVCE ..THEY HAVE IGNORED ME. THEY WANT ME TO MISS MY PAYEMNST WHICH I NEVER DO SO THEY CAN ADD LATE CHARGES ... THESE COMPANIES SEEM TO HAVE A HOLD ON THE CONSUMER AND IMPOSE THEIR WILL ON US ... ... ...
Consumer complaint received 2020-12-10
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: Experian Information Solutions Inc. (FL)

I applied for a new credit card in XXXX with XXXX XXXX and they ran my credit on XX/XX/XXXX which is correct. Since I have a fraud alert on my credit, they needed to call me to confirm I applied for the new card. Since they could not get in contact with me the day they ran my credit, they called me and left a voicemail mail to call back to confirm I applied for the credit card. I called and spoke to a rep who gathered some information from me and stated they would be sending my application through for processing and should be receiving my new credit card in 10 days. By XXXX I still had not received the card so I called back and went through the same process of them asking me questions and stating I would receive my new credit card in a few days which I still had not. I received a notification from my credit monitoring that the creditor ran my credit again causing another new credit inquiry on XX/XX/XXXX and then they were calling me again regarding my credit application. This time I was able to answer the phone to speak to a person and the young lady asked me a few questions and stated they would be sending my application through for completion. Now I check my credit report and I have two inquires from the same creditor when I should only have one because I spoke with them several times in the month of XXXX and was told that I was approved and would receive my new credit card which still I have not received it but did at least get a email that the card was on its way.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2020-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I have disputed this account at the credit bureaus several times over the last 6 months for them to verify this account and show me proof of my signature and that this is a valid account. I do not even know what this account is. I have also sent out 2 certified letters directly to Jefferson capital over that last 6 months to verify my responsibility and send proof this is my account and that they have the right to collect on it, They have not responded to any of my request and are in violation of the FCRA as well the FDCPA. This has caused me issues obtaining credit and is incorrectly affecting my credit and my ability to obtain a job.
Consumer complaint received 2023-06-26
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. (LA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.