davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-29
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. (NJ)

I have reached out to XXXX and Trans Union about account XXXX/XXXX Acct # XXXX. This account is Fraudulent and in the name of " XXXX XXXX '' ; my name is not " XXXX XXXX ''. 

XXXX nor Transunion has not responded by sending me an adequate description of the re-investigation process not did they send me copies of any documents proving that the account is not fraudulent. 

I also have submitted a Federal Trade Commission Fruad affidavit to XXXX and TransUnion, ( Please see the current Federal Trade Commission Affidavit. Please attach it to TransUnion as well. I added it because I forgot to add XXXX/XXXX Acct # XXXX to the Federal Trade Commission Fruad affidavit # XXXX attached to CFPB report # XXXX. )
Consumer complaint received 2024-10-24
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally report an issue I am experiencing with XXXXXXXX XXXX regarding my car loan. During my bankruptcy proceedings, I reaffirmed my car loan and have not missed a single payment since then. In fact, I have consistently paid more than the required monthly amount. 
After my XXXX  XXXX discharge, I contacted XXXXXXXX XXXX to inquire why my positive payment history was not being reported to the credit bureaus. They informed me that they would not report my payments at all. I requested a written statement confirming their policy on this matter, but they refused to provide it. 
This lack of reporting is severely impacting my ability to rebuild my credit, which is essential for my financial recovery. I would greatly appreciate any assistance or guidance you can provide regarding this situation. 

Thank you for your attention to my concerns.
Consumer complaint received 2022-06-29
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. (GA)

TRANSUNION & XXXX also XXXX you are reporting incorrect information to my credit report for the following account XXXX XXXX PLEASE DELETE IMMEDIATELY my TransUnion reported a 0 month Term but XXXX Isnt reporting a monthly Term at all also XXXX is Reporting a 1 month Term why are these XXXX credit Bureaus reporting are different if you all get the same reporting from the same source for XXXX XXXX below will be proof attached PLEASE DELETE THIS INACCURATE ACCOUNT IMMEDIATELY FROM ALL THREE CREDIT BUREAUS Please verify and delete immediately Ive reported this issue before and nothing was fixed
Consumer complaint received 2022-12-28
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: SYNCHRONY FINANCIAL (WV)

On XX/XX/2022 a hard credit inquiry was put on my XXXX XXXX credit report. On XXXX XXXX XXXX XXXX XXXX, this is listed as : SYNCHRONY FINANCIAL ( Finance ) In XXXX XXXX 

On XXXX XXXX website, it is listed as : SYNCHRONY FINANCIAL XX/XX/2022 Location XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual I contacted Synchrony Bank by both web chat and phone. They could not find any new applications that would cause this inquiry, for my SSN. Synchronys recommendation was to contact XXXX XXXX, to find what the exact type of account, because Synchrony can not investigate the situation without the full information. 

I contacted XXXX XXXX, and they told me the hard inquiry can not be removed from my account without both me and Synchrony bank postal mailing XXXX XXXX the proper documentation to have this removed. I told the XXXX XXXX rep that Synchrony could not find anything and could not investigate without further information. The XXXX XXXX rep said, We can't disclose these kind of information 's since this inquiry has raised from their side we need a letter of authorization from their side in order for us to remove from the report. 

This may have been a potentially fraudulent account application at worst and an annoying ding to my credit score at the least. I had no part in this making its way onto my credit report and neither XXXX XXXX XXXX Synchrony Bank seem to be willing to help me with the situation. Slow walking and stone walling this process is not acceptable. 

I contacted XXXX and they told me exactly what I needed to tell Synchrony to dispute this as fraudulent. I called Synchrony Bank back and read them exactly what I was told to say. They looked it up with my SSN and transferred me to the Lowes Commercial department. They couldnt give me any further information, and suggested I contact XXXX XXXX. 

At this point, Im really not sure how to proceed, since neither is willing to give me any information or help in the slightest. Anyone have an idea on how to go about resolving this situation? 

Note : The inquiry is showing up as XX/XX/2022 on XXXX XXXX and XXXX XXXX. It is showing up as found on XX/XX/2022 on XXXX. I can not currently log back into XXXX XXXX to get the documentation directly from their site.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

THE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING. This series of misreporting seems to me clearly involves a universal and complete failure by this credit company to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681 1. ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) these two address are NOT REPORTING " current/accurate '' XXXX XXXX XXXX XXXX, MI XXXX and XXXX XXXX XXXX XXXX XXXX Mi XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. 

3. ) these two phone numbers are reporting inaccurate XXXX INACCURATE XXXX INACCURATE I have disputed the actions above 3times explaining the reason why i am disputing, what i am disputing and i also sent a copy of my Identification and social security card. Each time they sent a letter back requesting i provide what i am disputing and why. i have attached the last letter I've sent them, the return letter from XXXXXXXX XXXX  and my Identification i sent them.
Consumer complaint received 2022-06-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/2022 I made a {$200.00} deposit via the Truist Mobile Banking App to offset some purchases being made. Truist put a hold on my funds until XX/XX/2022 ; a full 10 days. In the past XXXX hours, they have charged me XXXX separate overdraft fees of {$36.00} totaling {$210.00}. When I contacted them to address the situation, I was told that since my account is new they have to hold mobile deposits for 10 days and that they would not refund my overdraft fees as my account was " too new '' to be eligible for such a courtesy. 

How is this not theft?
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my tracking number:XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation.
Consumer complaint received 2022-05-02
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)

I have called XXXX multiple times to report correctly and erase my balance. I paid it off in XXXX and it keeps reporting I havent paid. They say they will fix it, but I havent seen a change. I asked XXXX to fix the report and they just disputed it again! I have disputed and called multiple times throughout the past 5 months with no change.
Consumer complaint received 2022-06-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Account number : XXXX The State of Limitations on this alleged debt, even should it be mine, is 3 years in the state of North Carolina. Since the debt is out of the statute of limitations, and they are reporting this on my credit report, they are conducting collection activities on zombie debt. 
I have disputed the information numerous times and the company nor the credit bureaus will not remove the information from my credit reports with the Bureaus although it is now a zombie debt. 
Im sure theyare aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that their firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. 

The company 's neglect to remove this debt is hurtful to my credit profile and ability to live with financial freedom. I would like the account removed immediately from all credit bureaus. Not just closed. Deleted completely.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (GA)

JP Morgan Chase allowed someone to open and use a credit in my name. They are reporting this fraudulent card to credit bureaus and are calling family members about the debt that I had no knowledge of.
Consumer complaint received 2022-06-29
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. (GA)

Since XXXX I have sent Equifax information to have XXXX Inquiries removed from my report that is not mine. 
- I disputed the information originally on XX/XX/XXXX and it came back verified. Which shows they never truly investigated these inquiries. 
- I sent in 3 letters via mail and they proceed to state they haven't received them. 
I sent certified mail the XXXX time on XX/XX/XXXX and it was received on the XXXX of XXXX. 
The XXXX time I sent regular mail as I didn't want to continue to pay extra. 

I have verified the address several times with them and it's the address they have received things at previously. 

After XXXX attempts by mail ( XXXX being sent on XX/XX/XXXX ) and my letter is not being " received ''. I spoke with someone about the problem of it not being received and they told me to send it via fax. I have tried that 4 times now and have not received anything back from them and the removal has still not happened. 

EACH TIME I HAVE SENT MY LETTER, FTC REPORT, AND ID and SSC. I have sent everything needed to have these taken care of and Equifax continues to avoid and lose XXXX letters I have sent to them. 


This is absolutely going against the Fair Credit Reporting Act and needs to be resolved. If not I do plan on filing a lawsuit at this point.
Consumer complaint received 2022-07-03
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: Experian Information Solutions Inc. (CA)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ), has violated my rights. 

1

5 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
Consumer complaint received 2022-06-29
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC (NJ)

XXXX XXXX XXXX, XXXX XXXX XXXX AND NEWREZ LLC DBA SHELLPOINT MORTGAGE SERVICING, all were notified of the fact that I own my home and have no mortgage and the instruments that the above name ( s ) purchased were forged and fraudulent. 

The above named frivolously took action in XXXX Court are attempting to enforced forged documents with knowledge thereof.
Consumer complaint received 2022-06-29
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: EQUIFAX, INC. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-07-03
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. (TN)

In accordance with the Fair Credit Reporting Act, 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 XXXXXXXX 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.
Consumer complaint received 2022-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capstone Credit & Collection, LLC. (FL)

XX/XX/XXXX contacted the company to explain that debt was not mine im victium of identy theft i have also had on report fraud alert that nothing shouldn't be authorize unless creditor contact me the company advise me this has nothing to do with them i still owe the balance i advise i was living at address XXXX XXXX XXXX XXXX XXXX fl XXXX since XXXX XX/XX/XXXX ... ... ... ... ... ... ... also dispute this multiple times with credit breau XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX ...... 

XXXX credit report show CAPSTONE CREDIT & COLL Original creditor : XXXX XXXX XXXX  XXXX XXXX {$4300.00} Balance updated XX/XX/XXXX ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' XXXX credit report show Collection Agency CAPSTONE CREDIT SERVICES Original Creditor Name XXXX XXXX XXXX XXXXXXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$4300.00} Amount {$4300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact CAPSTONE CREDIT SERVICES  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' XXXX credit report show Account name CAPSTONE XXXX  Account number XXXX Original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX Company sold - Account type Open account Date opened XX/XX/XXXX Account status - Payment status - Status updated XX/XX/XXXX Balance {$4300.00} Balance updated XX/XX/XXXX Paid off <1 % Monthly payment - Past due amount - Terms - Responsibility Individual account Your statement
Consumer complaint received 2022-06-29
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. (TN)

I noticed a discrepancy in the reporting date and discharge date of an old bankruptcy that has aged past 10 years on reporting and discharge date and needs to be removed from Equifax and XXXX. XXXX  XXXX Bankruptcy Status : Discharged Reference # : XXXX or XXXX I appreciate ongoing look into this as it is preventing me from moving forward in my house buying process.
Consumer complaint received 2022-06-29
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. (NJ)

In accordance with the Fair Credit Reporting act the list of accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account : XXXX XXXXDept of Ed Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account : XXXX 15 U.S.C. 1681 Section 602A States I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish account information without my written instructions 15 U.S.C. 1681c. ( A ) ( 5 ) states no reporting consumer agency may make any consumer report containing any of the following items of information : any other adverse 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-06-29
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens bank Account Number : XXXX savings account A {$300.00} bonus was expected. 

Due to misleading language the bonus was not paid even after depositing a total of {$15000.00} into the savings account. 

I have tried to work with the bank but they would not pay the bonus.
Consumer complaint received 2020-06-05
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. (CA)

I found out there are 3 accounts with XXXX XXXX  being reported to credit reporting agencies which are not mine I filed police report and notified my identity theft issue with XXXX, XXXX  and Equifax on XX/XX/2020, and since then I have seen no results nor any proper investigation and i have been given run around by these credit reporting agencies for the past 70 days. Based on FCRA I was suppose to get results by 30 days and so far my identity theft issue has not been take care of. At the time of this COVID-19 that even US Senate specifically asked these credit reporting agencies to look after the consumers and protect consumer 's credit worthiness I see clearly that these agencies are ignoring the FCRA and US Senate.
Consumer complaint received 2020-06-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

REPEATED telephone calls from Portfolio Recovery Services. 
Account information shared with my girlfriend, not spouse. Did not ask her to verify that she was married, nor if she had permission to discuss my accounts. They freely shared my address, date of birth and full name, date account opened/closed, balance info, etc and then ASKED HER to confirm its accuracy. 

Saturday XX/XX/2020 - ( XXXX ) XXXX *Missed called, attempted to return but 'call not be completed as dialed ' Tuesday XX/XX/2020 - ( XXXX ) XXXX *Spoke with rep, informed there would be a return phone call once research was done regarding the debt Thursday XX/XX/2020 - ( XXXX ) XXXX *Spoke with rep informing of Tuesday conversation and that no further discussions would occur until personal research was completed Friday XX/XX/2020 - ( XXXX ) XXXX *Missed call, attempted to call back but 'call can not be completed as dialed '
Consumer complaint received 2022-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MA)

Comenity bank owned by bread financial has been down for a week. Nobody can access our accounts, the phone lines do not work and there is no way to get any information about what is going on. The notice on the website says it's " planned upgrade that is taking longer than expected '' but the company did not inform anyone of any " planned '' upgrade and it's now been a week with no access to our accounts or any statement from the company about what is actually going on with our extremely important information. I, and many others believe there was a data breach and the company is trying to hide what actually happened, website upgrades don't take this long.
Consumer complaint received 2022-06-29
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. (PA)

I have filed 3 complaints now over this issue. Latest response for XXXX XXXX  was that they found it to be true and mail results to me. Issue is this is not mine, dont belong to me and is for an address that is not mine. They are sending the verification and surely personal info about me to someone else at the address they have in there file. Mailing results is just an easy way for them to blow off the fact that their investors has prodyfausle finding. Im sure all that was verifywas that they had my call Social Security number. Well thats how ID theft works some one takes your info. 

I have attached their blanket response to the previous complaint number XXXX