davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-10-11
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. (FL)

Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes. 

I look forward to a timely and amicable resolution to this matter.
Consumer complaint received 2021-02-04
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: U.S. BANCORP (IL)

There is an unauthorized inquire reporting to my XXXX  report. This is a lender that I did NOT submit a request for any lines of credit. The lender is US Bank dated XX/XX/XXXX for a bank or credit card. I contacted XXXX on XX/XX/XXXX in regards to this matter and was told to contact the creditor/lender directly to verify. Each lender has informed me that no accounts exist or lines of credit have been issued under my social however, there was an application submitted that resulted in the inquiry. XXXX is not working proactively to resolve this matter even with the lenders confirming that I have no active accounts.
Consumer complaint received 2022-12-14
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. (CA)

Experian had completed nothing to correct my Credit Report and update the misleading Information on my Credit File. I have disputed this account and submitted complaints over and over again for how many months already but Experian Credit Bureau is not frightened to break Federal law thus they took to be slothful and abandoned my appeals. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late date from this account : XXXX XXXX XXXX
Consumer complaint received 2024-12-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc (NV)

I went to the emergency room at hospital ( first time in a decade ) and I told them I did not have medical insurance ( I am now on XXXX ). I was there for less than 2 hours and they found nothing wrong ( said I maybe pulled a muscle ). I received a {$24000.00} bill from the hospital and 2 other bills from doctors totaling another approx. {$9000.00}. There is NO WAY I can pay this absurd amount and no one told me an estimate of what it was going to cost when I went in. I told them ( with my husband as my witness ) that I did NOT want certain tests they were doing- and they did them anyway ( hence the outrages doctor bills ). I can not pay this ( I could not afford {$1100.00} a month for medical insurance either )!! I asked the ER room staff if I needed to pay anything when I checked in and they said " No ''. They were giving me meds that I was screaming I did not want!
Consumer complaint received 2022-11-07
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. (MS)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2020-10-11
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. (OH)

To : Experian or XXXX  or XXXX  I have previously disputed accounts reports by creditors, collection agencies or courts in the file you maintain under my social security number. 
XXXX XXXX XXXX {$1600.00} I have been informed by your company the item ( s ) was/were deleted PERMANENTLY from my credit report.

Now, I have discovered the item ( s ) have been REINSERTED on my credit file.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within FIVE business days. I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law.

You have failed to comply with documentation bearing my signature associated with this account, as per the Fair Credit Reporting Act 611 ( a ) ( 1 ) ( A ). I am keeping a careful record of your actions, including Method of Verification, I DO NOT CONSENT to e-oscar or any means of automated verification. In maintaining a careful record, I will file a complaint with the Consumer Financial Protection Bureau should you continue with your erroneous reporting of the item ( s ) and non-compliance. I further remind you, as in Wegner vs. TransUnion Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for the willful non-compliance and failure to respond satisfactorily I will seek {$1000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act I hereby DEMAND you immediately delete the item ( s ) from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office and the XXXX XXXX XXXX.

Please govern yourself accordingly,
Consumer complaint received 2020-10-11
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. (FL)

I was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 

XXXX opened XX/XX/2017 Acc # XXXX I attached all documents what you need included Identity Theft report. I have been a victim of identity theft fraud. I have no idea of any of these accounts.
Consumer complaint received 2020-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am having serious frustration with the delay in payment posting from Bank of America Home Mortgage. The problem started XX/XX/XXXX with the implementation of a " new system ''.

Since then, I have experienced the

following problems : 1. Serious delay and wait times in customer service, as well as non-responsiveness in the resolution of issues. 2. Payments made have not been posted to my mortgage account on a timely manner. 3. Confusing information as to the status of my mo
rtgage payments and principal balance remaining. 

For example, I made a principal payment on XX/XX/2020. To date, the amount has been deducted from my checking account but has not posted to my mortgage account. It sits as a credit without resolution. In fact, all subsequent payments have not been posted since. There are no explanations on the website as to delays. When I call in to inquire, the wait time is >60 mins and depending on the agent, one gets different responses. The first time I called in, a ticket was opened and the agent indicated that the problem will be resolved in " 2-3 business days '', without explanation of why it didn't post. When nothing occurred within that time frame, I called again ( waited >60 mins ) and was told by another agent that the resolution time is " 5 days '', again no explanation of why the time frame changed but offered to escalate the situation. The third time I called, the new answer was now " 15 business days '' but strangely indicated that nothing was escalated yet. The pattern is quite apparent.

At this moment, I made payments to my account but no money has reflected on my account as a debt satisfied pursuant to my payment timeline. It feels fraudulent and Bank of America Home Mortgage either does not know that a problem exists ( no notice to the consumer regarding delays ), or knows but purposefully is not fixing the matter in hopes that it gains from the extra interest it can charge from a delay in posting my payments.

I am requesting that the money paid get posted to my account as a payment immediately without further delay and without accruing any additional interest. The payment should be reflected as of the date it was made. It has been three weeks and no notification that the issue is being resolved.
Consumer complaint received 2022-06-03
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. (SC)

In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 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
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (CA)

On the last week of XX/XX/2020 I called a Ally Financial and spoke to a representative and ask here that i need to skip XXXX payment for reason that my mother in law was XXXX  with XXXX XXXX and needed a little time to make the payment. I do not remember her name but she said she would help me. So as soon as I was able to make both payments I did and as time went on I receive an email from XXXX  and it read that I received an negative mark on my credit report. I have tried multiple times calling Ally Financial to correct this mistake with no avail. All I asking for is Ally Financial to remove the negative remark on my credit report. 

Thank You.
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I have submitted a complaint previously stating that XXXX XXXX listed two late payments on my account in XX/XX/XXXX and XX/XX/XXXX that were paid on time and I provided proof. XXXX  and Transunion both sided with my dispute and altered the inaccurate information reflected on my account. Several months later the creditor changed the information back to the inaccurate version, and now the false late payments show up on my account again as I'm trying to qualify for a mortgage. These supposed late payments were already proven to be false -- all payments have been made on time.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (VA)

I got approve for an XXXX XXXX card for XXXX. I had a balance of like XXXX and some change. My payment was due on XX/XX/2021. I called in on XX/XX/2021 and asked for pandemic assistance because I had filed for XXXX through the Virginia XXXX XXXX and that program would not be up and running until XX/XX/2021, because President Trump did not signed the bill in time, and I would not have any funds until XX/XX/2021 or later. The agent stated " no worries I can remove the late fees and we agreed that I would make a payment on XX/XX/2021. A couple days later they decrease all my credit from my account that made my score go down about 80 points. I have never had a late payment ever on my credit history nor a late payment on all my accounts. from being out of work because of the pandemic I had to live off my cards and under {$300.00} a week from XXXX XXXX so I'm trying to survive with a wife with XXXX XXXX who a high risk individual to covid-19. I only used the card like one time. when called in to resolve the matter the played games on the phone pretending like they was transferring me to another department while still talking to the same agent. I was really was being taken for a ride trying to get them to communicate with me about the matter. I paid the card off on XX/XX/2021 like I agreed to with the customer service agent and was told by the agent that they did not know would my credit would be restored or not while I took a decrease in my credit score. They still did not take back all of the late fees that was applied to my account.
Consumer complaint received 2023-05-27
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. (AR)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. The following items needs to be removed : XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX  : {$460.00} ; XXXX XXXX  XXXX XXXX  : {$12000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$3200.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX {$2700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1100.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX {$460.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  : {$3200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX  XXXX XXXX XXXX  XXXX {$460.00} XXXX XXXX  XXXX XXXX  : {$12000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  : {$3200.00} ; XXXX XXXX  ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX XXXX XX/XX/2022 XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to TXXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 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 und 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 ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I have an XXXX store credit card that is issued by Comenity Bank. They had a system upgrade which didn't go as planned and their online services/website has been down for weeks now. There has been thousands of complaints on their official XXXX page and no one is able to get access to their accounts. I'm unable to see my account, unable to see when payments are due and unable to see how much is due. The company is charging people late fee 's and when you try to call, you receive a message saying all of their offices are closed. This is ruining peoples credit and causing all types of stress and anxiety on consumers.