davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX  XXXX Balance : {$170.00}.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. Identity Verification : If identity theft is a
concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2020-11-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN HONDA FINANCE CORP (NY)

I have 5 late paid entries on my credit report back from XXXX, this seems like it will never go away. It's been 6 years and according to the FCRA, according to New York State law, these reports are illegally still showing on my credit report and they are hurting me financially. I have waited years and suffered with what essentially amounts to a XXXX XXXX because I can not get this company to remove these very aged late payments ( also the account has been closed since XXXX to boot ).
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This account is reporting inaccurately and is in violation of my consumer rights. The following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I have been emailed several times about payments and payment arrangements from this company. After reading 15 U.S.C 1681 Section 604 A Section 2 : It 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. 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. Acct number are not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date Opened not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date last active not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Account is charged off but still reporting a past due balance.

Also as defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate.
Consumer complaint received 2024-11-13
Product: Credit reporting 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)

This complaint is to address a grave issue regarding the erroneous reporting of a bankruptcy on my credit report by the Credit Reporting Agency ( CRA ). Despite a prior complaint regarding this matter, the CRA verified the bankruptcy information using an unnamed public agency without providing essential details of the verification process. The CRA is required by law to provide full documentation that outlines every step taken to validate this information. This includes the exact source of the data, the date it was obtained, and any verification methods used. Without these details, the CRA has failed to demonstrate due diligence in verifying the accuracy of this record, which directly impacts my credit standing. 

As previously stated in my initial complaint, the ( attached ) communication from the Court explicitly confirms that it does not report information to third parties or any other individuals. Therefore, I have substantial grounds to question the legitimacy of the CRA 's verification process. Furthermore, the actions of the CRA and any entity involved in this reporting violate the following federal statutes : 1. Violation of 15 USC 1681b ( 2 ) : This statute mandates that no information should be furnished without written instructions from the consumer. The CRA has failed to prove that any written authorization was provided for this verification process. 

XXXX. Violation of the Privacy Act of 1974 : This law requires that disclosure of any records contained in a system of records be conducted only upon written consent from the individual. I have never provided such consent, nor has the CRA demonstrated that any consent exists authorizing this disclosure or verification. 

The CRAs handling of this bankruptcy report is, therefore, both unlawful and unsubstantiated, violating the boundaries set forth by the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. Given these violations, the bankruptcy report is invalid and must be immediately removed from my credit file.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GMA Investments, LLC (FL)

this company XXXX XXXX I have paid more than two years, I need this abuse and report to my person and my credit to be corrected immediately! He held XXXX XXXX directly responsible for not ERASING an account already paid from my credit and for continuing to use my ID to damage my credit!
Consumer complaint received 2023-03-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL (LA)

I opened a high yield savings account with Synchrony Bank on XXXX XX/XX/XXXX, I deposited XXXX , on XX/XX/XXXX, I deposited an XXXX , and on XX/XX/XXXX, I deposited an additional XXXX . Th deposits totaled at XXXX $ and all deposits came from my XXXX XXXX XXXXXXXX Checking Account. On XX/XX/XXXX, I received an email from Synchrony Bank informing me that my access to the funds transfer service had been suspended. I called called Synchrony Bank and was informed by a customer service representative that my account was under review and that they could not tell me why. I attempted to log into my account, but I could not. I called Synchrony Bank multiple times over the next few months and each time I was told either that my account was under review or restricted and that they could not tell me why. I called Synchrony Bank on XX/XX/XXXX, requesting to have my savings account closed and the funds returned to my XXXX XXXX XXXX Checking Account. On this call, I was informed that my account had been closed on XX/XX/XXXX. I have not received any funds from Synchrony Bank at this time. Synchrony Bank claims that the funds ( XXXX $ ) were returned when my account was closed and that they are on hold with XXXX. After hearing this, I called XXXX on XX/XX/XXXX, and they claim that they have not received any transfers from Synchrony Bank and that they do not have a hold placed on any transfers.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed inaccurate information that was being reported by XXXX different creditors on my consumer reports with the XXXX XXXX XXXX TransUnion, initiated over XXXX  months ago, and I never received any correspondence that the investigation was started or completed and there is no evidence on my recently ordered credit reports that an investigation was ever conducted. It is my right under the Fair Credit Reporting Act to dispute inaccurate information. I sent letters to dispute inaccurate information on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 with no success.
Consumer complaint received 2022-04-25
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Transfinancial Companies, Inc (IN)

I was called by a representative of Transfinancial Companies ( I know this because I reverse-searched the number that called me ) on the cellphone that I use for work during my office hours. The representative refused to self-identify, asking me to provide personal information without providing a basis for doing so. The dialogue was approximately as follows : Rep : Hello is this XXXX XXXX? 
Me : Hi, who is calling? 
Rep : No, is this XXXX XXXX? 
Me : I'm sorry, who is calling? and what company are you calling from? 
Rep : NO. Is this XXXX XXXX or not? 
Me : Ma'am, you are required to self-identify your name and company. Who is calling and what company are you calling from? 
XXXX : NO -- At that point, the rep hung up on me. This was during my work day, and it caused considerable distress to have such a forceful and rude call starting my morning at XXXX XXXX  in my office. It is unreasonable to call during workhours, and causing anxiety by asking for personal information without identifying cause or person is also unreasonable. 

I have contacted their employer and asked for the name and other applicable identifying information that could be used to track the call.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc. (FL)

I last used my card I believe the beginning of XXXX. I was paid for shifts I had worked I believe the amount for those shifts settled on Friday XXXX XXXX. On XXXX XXXX around XXXX I sent my sister {$20.00} on XXXX  XXXX XXXX which my wisely card was already linked to my XXXX previously so I didnt need my card. The last time I physically remember seeing my card was around XX/XX/XXXX. I tried to use my card to transfer money and it was declined which prompted me to try and login my wisely account to check my balance because I knew there shouldve been over {$700.00} left on my card. I was unable to login to my wisely account which made me look for my card which I was unable to locate so I contacted wisely right away and was informed all my money had been taken that was on my card from different transactions from withdrawals to payments for different things. Im contacting you guys to assist me with rectifying this situation because Ive never dealt with an issue of this magnitude before.
Consumer complaint received 2024-12-21
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. (MI)

Due to identity theft in the past, Ive had to do a credit freeze. I once again received information that my personal information was on the black web. I created a TransUnion account since I have created my account. Ive been requesting a copy of my credit report on multiple occasions, and it keeps continuing to have an error on the system. This has been reported to them on several occasions, and I have given them amicable terms to resolve it they still have not complied therefore I can not see your access. What is being placed on my Trans Union report meanwhile, I am getting alerts via email stating that there were either inquiries or wrong information on my credit report.
Consumer complaint received 2023-04-07
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (FL)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an inaccurate collection account that has negatively impacted my ability to start a real estate business. I am seeking full compensation for the potential money lost, as provided under U.S. Code 1692k and 1640. 
As per the Fair Debt Collection Practices Act ( FDCPA ), codified under U.S. Code 1692 et seq., I have identified several inaccuracies in the collection account reported by LVNV FUNDING. The inaccuracies include incorrect dates, amounts, and other details that are not reflective of my actual financial history. These inaccuracies have had severe repercussions on my credit score and have prevented me from obtaining financing and pursuing my entrepreneurial aspirations. 
Furthermore, the Fair Credit Reporting Act ( FCRA ), codified under U.S. Code 1681 et seq., requires that information reported by credit agencies, including collection accounts, be accurate and verifiable. The inaccurate collection account has violated my rights under FCRA, causing significant harm to my creditworthiness and financial prospects.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credence Resource Management, LLC (CA)

XXXX XXXX  reported me incorrectly to the credit bureau to collection when my account was actually paid off. This was reported erroneously to the credit bureau as the account didn't have a balance and should have not been sent to a collection company. While the company has submitted a remedy ticket number to recalling the account, I need the account deleted from my credit bureau. This was completely XXXX XXXX 's fault and that information was erroneously reported to the bureau. XXXX must delete the collection record on my credit bureau and rectify the issue as soon as possible, I was in the middle of buying a home and any incorrect report or lack of deletion of this account will cause me to lose my home purchase and potentially lose a deposit of {$7500.00} to whim I expect XXXX XXXX to be liable for including any additional mental distress and XXXX XXXX XXXX
Consumer complaint received 2020-08-28
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: EQUIFAX, INC. (AR)

My identity has been compromised. I have no idea who could of done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX, XXXX XXXX {$65.00} XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$230.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$6700.00} XXXX XXXX XXXX {$620.00} XXXX XXXX  XXXX {$120.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$710.00}
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (FL)

My account have more than 5 days freeze, I tried to contact them multiple they are no able to help me, they have a long wait time for more than 3 hours. I NEED TO PAY RENT, BILLS, I live by my own. They have my money. PLEASE HELP.
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (VA)

Found : Social Security Number Potentially Breached Site : XXXX - breach occurred in XXXX, XXXX On XX/XX/XXXX, XXXX announced that all XXXX locations, POS and gas pumps were potentially affected by a malware data breach that exposed customer payment card information between XX/XX/XXXX through XX/XX/XXXX. 

Connects XXXX takes the security of your funds seriously. Your card has been identified as a compromised card that was used at XXXX during the data breach. 

on XX/XX/XXXX XXXX, we found your Social Security number on a Dark Web site View Details Your Social Security number has turned up on one of the thousands of Dark Web sites we monitor each day for you. This activity does not necessarily mean that you are the victim of identity theft, but your personal information may be vulnerable.
Consumer complaint received 2020-11-10
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. (GA)

Experian without regret continues to publish false and inaccurate late payments on my report. In spite of my efforts to work with XXXX XXXX auto finance, experian  will not correct the errors on my report damaging my fico  credit score with late payment reporting 's that are NOT accurate. Today, I pulled my report to find that they moved a late to XXXX XXXX previously reported XXXX XXXX with an addition to adding an additional late for XXXX. ( see screen shot attached ). XXXX  XXXX has been gracious in trying to correct the errors that Experian continue to produce on my report. Experian is negligent and willfully producing this false information on my file. See attached letters from the presidents office at XXXX XXXX. The errors are not coming from XXXX XXXX. Experian is the source for the false late payments being reported. The letters from XXXX XXXX prove this. Experian is dedicated to moving late 's from one month and I have to repeatedly write letters and submit complaints about the matter. 

Experian has a long history of providing false and inaccurate information to suppress credit scores to provide suggested sub prime lenders who are paying them to conduct business in a wreckless manner. They are not in line with how the other bureaus conduct business. I have not had any late payments on my history with this account. The surmountable stress these tactics are causing me violates my rights under the fair credit reporting act. I went ahead and paid off this account in XXXX so they no longer have a platform to willfully damage my fico score. Experian should not be allowed to repeatedly violate my rights by not producing accurate account history. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX late payments are not accurate. There should not be any 30 day late payments on any month on my report at all for XXXX.
Consumer complaint received 2022-05-26
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)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
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
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (PA)

THIS IS NOT A DUPLICATE Chase charged me {$120.00} on XX/XX/XXXX. Till date, XXXX the vendor who was supposed to get this payment has not received it. I spoke to their Billing dept yesterday. 

I called Chase and they want the Vendor to call their Bank. 

This is ridiculous and has happened first time in 30+ years since I have used a credit card. Chase charged me and need to pay the Vendor. If the Vendor does not get it, I need refund back. Why should my vendor call their Bank?
Consumer complaint received 2020-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (CA)

I opened a new checking and savings account with Sun Trust Bank ( big mistake ). I have never used the account, but set up a direct deposit from to hit it. Out of the blue today, when trying to get a debit card, I was told my account is being closed. My paycheck is sitting in the account for as long as they feel like keeping it, and I am unable to pay my bills. I work hard, and this bank is literally putting my housing at risk. It's disgusting. I can not even log in to the online banking site to access information. I'm distraught. Please help me.