davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
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. (MI)

I paid off my car loan on XX/XX/XXXX of 2021. Another customer erroneously paid on my account. This lead to XXXX XXXX reopening my closed account. I was not made aware of this until I received a letter dated XX/XX/2021. I was assessed late fees for payments not being made since XXXX and a major delinquency was reported to all three credit bureaus dropping my score 60-80 points. I have contactedXXXX XXXX on XX/XX/2021 over the phone who took 40 minutes to make sense of the account. I expressed my concern over my credit score that I have been working diligently to improve over the past two years. XXXX XXXX expressed that it is not their problem to contact the credit bureaus to make corrections. I have contacted all the credit bureaus to explain my situation and provided them documentation.
Consumer complaint received 2022-10-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

I have been banking with USAA for over 10 years and the customer service I have received on XXXX has been incredibly unhelpful. I deposited my check for {$1000.00} on XX/XX/22 and a little over by half of it the bank is holding and keep hostage for a week. Ive expressed to 3 customer service representatives that I need it released due to me having bills that need to be paid, and all the could offer me was reading directly off a script. Theyve all expressed that theyre committed to building close relationships with tiger members, however that is not the case. None of them cared that I have bills to pay. Im essentially just supposed to deal with it. Im tired of having more than half of my check being held hostage by USAA. The worst part is that they dont consistently hold my checks. They pick and choose when they want to do it. I want better from then.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (MD)

Dear American Express, The account of American Express on my credit report with 3 CRAs are inaccurately published. This account has been closed in XXXX XXXX. A charge off account can not have any activities after the closed date. CRA and furnisher stated the information has been verified and reported accurately. But how come there are inaccuracies reported which is a violation to my consumer rights of FCRA. Furnisher must update CRAs and vice versa of changes. I need this account deleted immediately and update CRAs. See attachment of letters of Amex for verification of info. 

Also, I will need the procedures of this reinvestigation and identifications of data and persons who will be involved if this inaccurate tradeline is not deleted.

1. Account number is wrong ( XXXX ) 2. Date of last activity is wrong ( XX/XX/XXXX ) 3. Status date is wrong ( XX/XX/XXXX ) 4. Highest balance is wrong- ( XXXX ) 5. Balance is wrong ( XXXX ) 6. A charged of account can not have any activities after closed date of XX/XX/XXXX XXXX
Consumer complaint received 2024-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion has and is violating the FCRA by blocking me access to my credit report. 
According to the Fair Credit Reporting Act ( FCRA ), you have the legal right to dispute any inaccurate information on your credit report, meaning you can contact the credit reporting agency and request an investigation if you believe there are errors in your credit file ; the agency must then investigate and correct any inaccuracies they find.
Consumer complaint received 2022-05-14
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. (TX)

n accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX/XXXX  Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX  XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account # 4 XXXX XXXX  Account # XXXX XXXX  XXXX  Account # 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 2022-10-22
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: FC HoldCo LLC (FL)

XX/XX/XXXX FLAGSHIP CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and FLAGSHIP CREDIT ACCEPTANCE ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact FLAGSHIP CREDIT ACCEPTANCE and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2022-10-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (TX)

I recently checked my XXXX XXXX through XXXX and noticed I had a debt of over {$1000.00} from Rent Recovery Solutions. I was not notified that I could dispute the collection and I never received an email or written notice that I was in debt. 

I am not sure what I am being charged for as I have paid every month of rent.
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (MN)

Im a victim of Identity theft in about XXXX dollars. Got a 30 day late from the reason being. On XX/XX/year> I looked at my credit report and noticed some inaccuracies. I sent a letter to XXXX XX/XX/year> asking them to investigate these accounts XXXX Wells Fargo According to 15 USC 1i ( 5 ) I see it states that after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found inaccurate or incomplete or can not be verified. The credit bureaus did not investigate and violated my right.
Consumer complaint received 2022-10-22
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: Experian Information Solutions Inc. (FL)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern : I recently discovered that your company ran an unauthorized report on me on XX/XX/XXXX. I did not authorize such an inquiry and demand that you contact XXXX XXXX XXXX XXXX immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. 

If you have any questions, please contact me at the address listed below. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act : XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX  Account # 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. 
I XXXX XXXX, hereby attest that the information provided is being submitted by myself and not by any other third party.
Consumer complaint received 2022-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Credit, Inc. (FL)

I have received numerous calls regarding this debt I have asked all of the collection agencies to resolve this issue I have filled out many affidavits starting in 2020. I have never received a detailed statement of charges I get a print out with two charges interest in late fees but no detail on when or what was bought at XXXX. I have tried many times included hiring a credit repair company to dispute this claim for me and no repose to them either I have no other debts on my report except for this and it is affecting my credit when this is not my responsibility and I have asked many times for this debit to be removed from my credit!
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, 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 trying to setup an online account with Transunion. I sent in all the required documentation to fulfillment. I've spoken to fulfillment on multiple occasions and their final message to me on XX/XX/21 was " Hello, We regret the misunderstanding. We review your account and your credit file and found that due to lack of credit information on your file the online access might not be available for you at the moment. Also, please know that because of the type of freeze placed was for a minor for security purposes this might also make difficult to access the freeze online. The best option for you will be to manage the freeze over the phone by contacting TransUnion at XXXX XXXX XXXX XXXX Please make sure to have your pin number with you when assisted by one of our agents. 
XXXX ''
Consumer complaint received 2021-07-16
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. (NC)

I was checking my credit reports and noticed an unauthorized account and inquiries furnished on my credit report. XXXX XXXXXXXX account opened XX/XX/XXXX ending in XXXX should be removed from my credit report. Inquiries from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX should be removed from my credit report. I did not consent to, authorize nor benefit from this account or any of these inquiries.. Block and remove this account and inquiries. I have filed a FTC Identity Theft report which is attached. If I received goods or services please have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of this transaction.
Consumer complaint received 2022-10-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION (NC)

I, XXXX XXXX XXXX, have never missed a payment in my life. 
I got a loan from Pentagon Federal Credit Union ( pefed ) back in XX/XX/XXXX. I paid on this loan up until XXXX of XXXX. 
Never missed a payment. 
I made 2 payments in XXXX of XXXX, by and through my savings account with an ACH where the penfed employee used the WRONG account. I record all phone calls, just in case. Now, the ACH made on XXXX, and payments on 5 loans were made on separate loans. That transfer was not honored as the account was closed from fraud, on XXXX. I gave the employee the new account number and thought he used the correct account. It was not. So when i was informed this transfer was not made, i attempted to perform another transfer in XXXX. The supervisor i made this transfer with, called my bank to verify the account was open and contained sufficient funds. After being confirmed that all was good, i was told the funds would be available the next day. I agreed to make the transfer, but the next day the collections area renigged on the agreement. I called 5 days in a row to get the funds cleared. Penfed collections refused to honor the new agreement. I gave penfed a choice of calling my bank, with me at the branch, to clear these funds or i would block the transaction. It was 6 days after the transfer, and i needed to use the difference of the funds for other bills. Penfed said i had to wait 4 more days for them to clear the funds. I said i would cancel the transaction then. This was middle of XXXX now. 
I had to go into the XXXX  on the XXXX of XXXX until the end of XXXX to get XXXX  XXXX removed from my back. 2 rounds of XXXX also. 
While i was in the XXXX, i received NO NOTICE of any kind from penfed. On XXXX, penfed pulled the payments out of the loans, 2 months after the XXXX from XXXX came back in the savings account, not the loans where the payments were made. This is wrong and against the law. Payments in loans, no notice before they charged back plus 2 months after the fact, harmed me irreparably. When penfed acted illegally, my loan status went from current to 3 months past due. Then penfed threatened repossession less than 2 weeks after taking away my payments. Penfed also refused to communicate with me to resolve the harm they created. This is illegal how they created this situation. Penfed has also refused payments. 
This needs to be corrected. 
I am XXXX they harmed me worse than the XXXX i had removed.
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. (IL)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I made payment less than amount owe but by XX/XX/2023. I didnt pay full amount but made a payment before the 30 day ' mark. I made a payment capital one they didnt post it until later. I was not late.
Consumer complaint received 2023-03-23
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. (NJ)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-15
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. (AL)

I lost my wallet and my information was also released in multiple breaches. I also was a victim of the XXXX  Credit Breach. My identifying information was also found on the black market and I had reason to believe that an ex-boyfriend used my information. I placed a fraud alert on my credit in an attempt to stop fraudulent accounts from being opened that didn't stop fraudulent credit inquires from being put on my report. Typically companies take 30 days to do an investigation mine are all completed by the next business day saying that the information is factual. So XXXX  is intentionally breaking the law by not actually looking into my disputes and again breaking the law by continuing to report fraudulent activity on my report that is hurting my credit score. I filed a police report in XXXX, AL. The police report number is XXXX. I want these inquiries removed per the FCRA standards for credit reporting. I had no control over the situation nor did I contribute in any way. My next line of action will be to file a formal lawsuit against XXXX. I would also like my complaint and contact information public for individuals who are also being treated unjustly by this credit bureau. I didn't and couldn't file a complaint about every inquiry. I have also attempted to file disputes with XXXX  and Experian. With Experian acknowledging some of the inquiries as fraud but denying others. I can not control when a fraudulent inquiry is added to my report. Furthermore, these companies should have enough sense to not run my credit multiple times for the same company on the same day, that alone should tell you that it is fraudulent information on my credit report. 

1. Because I didn't want to waste my time and this company isn't doing their due diligence 2. They are saying they verified the information within 24hrs. On some disputes, there are 10-15 companies listed and they are still claiming to have verified the information 3. Inquiries they have claimed where factual has been removed by the inquiring company because they found it to be a fraudulent inquiry.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XXXXXXXX XXXX purchased XXXXXXXX XXXX in XXXX of XXXX. I had a Covid extension with XXXX in XXXX. I paid the account in full before the COVID-19 hardship was to expire, XXXX did not report my account as late to the credit reporting bureaus. After XXXX purchased, the XXXX XX/XX/XXXX late payment was reported to all three credit bureaus, I have disputed the validity of this late payment with all three credit reporting bureaus and to XXXX directly XXXX I went up the chain of command within XXXX with no resolution. I have asked for all records from my account with XXXX including the hardship deferment during COVID-19. Still, nothing has been provided to me except to tell me over the phone that their investigation showed the reporting of the late payment was accurate. No proof of this late payment or any agreements I had with XXXX. XXXX is reporting on an account that XXXX did not own at the time of reporting. The original creditor at the time, XXXX, did not report me late for XXXX of XXXX.
Consumer complaint received 2023-02-15
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)

XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 
Account name : XXXX XXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

Account name : XXXX XXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

Account name : XXXX XXXXXXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (SC)

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

XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX account XXXX XXXXXXXX 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 may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.