davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ON XX/XX/XXXX, I ATTEMPTED TO SUBMIT A DISPUTE TO XXXX, XXXX AND TRANSUNION FOR THE FOLLOWING AND I WAS NOT ABLE TO. I RECEIVED MESSAGES THAT A DISPUTE WAS UNABLE TO BE PROCESSED ONLINE, HOWEVER, XXXX, XXXX  AND TRANSUNION ARE HOUSING INACCURATE INFORMATION ON MY CREDIT REPORT. 

FOR THE COLLECTIONS ACCOUNT FROM THE CREDITOR XXXX XXXX XXXX XXXX THEY ORIGINALLY PLACED A COLLECTION ACCOUNT ON MY CREDIT REPORT ON XX/XX/XXXX AND IT HAS BEEN ON MY CREDIT REPORT FOR OVER SEVEN YEARS. IT SHOULD HAVE BEEN REMOVED ON XX/XX/XXXX BUT XXXX, TRANSUNION, AND XXXX  CONTINUE TO REPORT THIS INFORMATION ON MY CREDIT REPORT.

ALSO, THE CREDITOR CONTINUES TO UPDATE THE DATE OF REPORTING IN ORDER TO KEEP THIS NEGATIVE INFORMATION ON MY CREDIT REPORT LONGER T

HAN SEVEN YEARS. THIS NEGATIVE INFORMATION HAS BEEN ON MY CREDIT REPORT FOR SEVEN YEARS AND DUE TO FAIR CREDIT REPORTING ACT, IT IS REQUIRED TO STAY ONLY SEVEN YEARS, THUS I AM DEMANDING AN INVESTIGATION BE DONE INTO THIS AND THIS NEGATIVE INFORMATION REMOVED FROM MY CREDIT REPORT IMMEDIATELY. ******************* ALSO I WAS UNABLE TO DISPUTE THE HARD INQUIRIES THAT WAS PLACED ON MY CREDIT REPORT ON XX/XX/XXXX IN ERROR. THESE HARD INQUIRIES WERE DONE IN ERROR AND INITIATED BY XXXX XXXX. I WAS UNABLE TO DISPUTE THIS ON XXXX, TRANSUNION AND XXXX  WEBSITE. THE FOLLOWING ARE OUTSTANDING ISSUES : -THE INABILITY TO DISPUTE ONLINE ON THESE SITES FOR ALL CREDIT BUREAUS -DISPUTE THE HARD INQUIRIES -DISPUTE THE COLLECTION ACCOUNT PLACED BY XXXX XXXX XXXX XXXX DUE TO THE COLLECTION ACCOUNT REMAINING ON MY CREDIT REPORT PAST SEVEN YEARS, THE LIMIT FOR THESE ACCOUNTS.

I HAVE ATTACHED EXCERPTS FROM MY CREDIT REPORT.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Inquiries : XXXX XXXX XXXX/XXXX/2020
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On my Experian report it's show I was late with XXXX XXXX on XX/XX/21. I did not have service with them. This inaccurate information affected my credit score. Please delete this account from my credit report.
Consumer complaint received 2023-03-23
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. (TX)

My identity was stolen and I made transunion and XXXX aware of this and sent numerous of letters and documents as proof to the identity theft and accounts that were associated with the theft. 

These companies are still reporting these accounts as thou they are accurate when in fact they are included in my information being stolen. 

According to 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Also Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

( 1 ) IN GENERAL.-Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Also 15 USC 1681b Permissible purpose 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 instructions of the consumer to whom it relates.

And 15 U.S CODE 1681C-2-BLOCK INFORMATION RESULTING FROM IDENTITY THEFT ( A ) BLOCK
Consumer complaint received 2024-11-15
Product: Credit reporting 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. (PR)

On XX/XX/XXXX of XXXX at XXXX I called to XXXX XXXX to request the opening of a 3rd line in my account. XXXX XXXX XXXX from Customer Service helped me to open the account but he never informed about any inquiry to my credit report. After ending the phone call I noticed a hard inquiry in my credit report and called again to ask about it. They informed that they never do hard inquiries and that I they were supposed to do a soft inquiry instead of a hard inquiry. Since then, I have been trying to claim that XXXX XXXX send a letter to Transunion in order for the unauthorized hard inquiry be removed from my personal credit report. 

In addition, I am disputing that there is incorrect information ( Bankruptcy information ) in my credit report from TransUnion and XXXX. Please find attached 2 separate letters that I already mailed and uploaded to the corresponding credit reporting bureaus.
Consumer complaint received 2023-01-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (NY)

XXXX XXXX XXXX XXXX utilized an incorrect address in XXXXXXXX XXXX  where as my residence is in XXXXXXXX XXXX 

As a result, I never received bills and was informed by the representative who sold the furniture that I would not have to make payments until XXXX  months later. Due to not receiving bills that were sent to the incorrect address miles away in XXXXXXXX XXXX XXXX XXXX incorrectly made a negative late report on my account. 

In addition, on XX/XX/XXXX, a payment of {$200.00} was made as I was informed by the representative that this was the payment due. However, on XX/XX/XXXX, only XXXX week later a late charge of {$40.00} was assessed on my account including another late report on my credit report. XXXX XXXX XXXX XXXX are engaging in misleading and predatory behaviors to collect late fees. 

I would like my credit report to be corrected as well as late fees reversed.
Consumer complaint received 2021-10-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (PA)

In XX/XX/2020, we contacted PNC Bank to inquire about the Covid19 Relief Program. We specifically asked about the deferred payments and how they would be collected. We were assured that the deferred payments would be added to the back end of our mortgage and we could resume payments up to a year after entering the program. After about 8 months we started to received paperwork about entering into some sort refinancing program that was never discussed or disclosed when we contacted PNC to enter into the Covid19 Relief Program. When we called to inquire about this paperwork, we were informed that we needed to pay back the deferred payments, {$11000.00} plus, not at the end of the mortgage as previously discussed and assured by PNC or enter into this refinancing program. We spoke to the PNC employee, XXXX, assigned to our case and informed her of what was discussed and agreed upon. She kept referring us back to the refinancing program that we informed her was never discussed with us at the start. XXXX admitted that there were no guidelines to this program and she herself was unsure about the details of how the program works.
Consumer complaint received 2023-01-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Fraud concern : I was on XXXX in 2019 for a few months before canceling the benefits in Fall 2019. 

Bank of America continues to send me monthly emails about a XXXX card balance even though I never received my benefits as a prepaid card. Since I do not have a card, I can not view my supposed account since it requires a card number to login. 

I've called BoA multiple times and each time they assure me there is no balance and I will no longer be receiving emails, but the emails keep coming. 

I'm concerned some sort of fraud is being committed in my name to receive benefits that I canceled XXXX years ago
Consumer complaint received 2023-02-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Someone else tried to open 3 credit cards so far and they are denied due to my credit score. I've reached out to banks and credit companies The banks are bank of america XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I got notified from credit monitoring agency that my care credit account was closed. I contacted synchrony bank. They informed me it was closed due to information on my credit report, however my credit score is higher than it was when they approved me for the account. I have the same income, same amount of debt everything on the report is what was on there when they approved me for the card. I never ever am late with my payments and pay balances off in full within a couple payments. I have an exceptional payment history on all my accounts. This is my reward for paying everything on time ahead of time. What they did impacts my credit report negatively and thats not a fair business practice. Synchrony bank has numerous complaints filed online for doing this to numerous people. I got the card a year ago and as you see from attached screenshot my credit score has gone up not down. Nothing else changed.
Consumer complaint received 2022-06-24
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. (MT)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}. I'd appreciate it if you could update or correct these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be repaired right away.
Consumer complaint received 2022-06-24
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: EQUIFAX, INC. (MT)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}. I'd appreciate it if you could update or correct these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be repaired right away.
Consumer complaint received 2022-06-24
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. (MT)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possibleXXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}. I'd appreciate it if you could update or correct these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be repaired right away.
Consumer complaint received 2022-07-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: FULTON FINANCIAL CORPORATION (DE)

I have been trying to close my XXXX home loan with Fulton Bank. After my XXXX complaint they sent me a letter which I signed and returned to close it. I wired them {$65.00} for the lien to be taken off the house. I have been asking all week if my account has been closed and the person that responded to my first complaint never responds to my email. I need this account closed and they are preventing me from getting another loan which I think is illegal with how long they are taking and don't even respond. There is some sort of discrimination going on I believe that should be looked into.
Consumer complaint received 2021-04-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

As a consumer, I am well aware of my rights. Therefore, I will clearly outline your ( Portfolio Recovery Associates ) repeated violations of 15 USC 1692c Violations XX/XX/XXXX First complaint submitted to the CFPB w/ Cease and Desist. 
No resolution ; Continued communication XX/XX/XXXX Second complaint with Cease and Desist XX/XX/XXXX 4 letters received from Portfolio Associates LLC to my address XX/XX/XXXX 4 letters received from Portfolio Associates LLC to my address XXXX Third complaint submitted to the CFPB with 3rd Cease and Desist XX/XX/XXXX 4 letters received from Portfolio Recovery Associates A total of 16 correspondences received after Cease and Desist. See previous CFPB complaints for documentation.

Portfolio Recovery Associates never had permission to contact me, yet I continue to receive correspondence at the most inconvenient times, repeatedly. PRA has also confirmed receipt of 3 Cease and Desists by responding the correspondence, in which the Cease and Desist was included. I have spent countless hours responding to these non-factual and misleading responses from PRA. Additionally, this has caused substantial economic injury. 

For your reference : 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX o'clock antemeridian and before XXXX o'clock postmeridian, local time at the consumer 's location ; ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

i submitted a dispute to Experian due to inaccurate information being reported on my credit report instead of deleting the inaccurate information being reported they deleted accounts other than what i disputed
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CO)

I bought {$100.00} XXXX gift card from local grocery store and couldnt redeem the card as error shown card is not activated yet. I went to the store and figured out that the card inside its packaging has different numbers from what shown on the paper packaging. So the card inside the paper cover is not the original card, someone switched cards. The paper packaging is easy to open without damaging to paper, so I guess someone exchanged the cards and glued back the packaging. The card I got is not activated, Im not sure the actual card that I scan the barcode and paid for got used or not. The store I purchased from couldnt help me with this and told me to contact their gift card department, I called, they told me to go to store or call XXXX instead. Who can help me here?
Consumer complaint received 2022-12-13
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 Report # XXXX ID # XXXX please see attached and publish this Experian once again lyed SEE ATTACHED the documents attached this reporting does not meet the fair reporting act
Consumer complaint received 2023-03-16
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)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To my knowledge , I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Consumer complaint received 2021-08-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I was given a loan on my home that had accelerated interest attached to it. It was given as a commercial loan, This was not true. This is/was my home.

The interest rate is illegal in California.

They have added over XXXX to my loan causing me to go into foreclosure. HELP