davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I couldnt believe it when I saw incorrect accounts on my credit report tonight. Ive always monitored my report closely, but out of nowhere, discrepancies appeared. I even tried refreshing my browser, thinking it might be a technical issue, but the errors didnt go away. This has left me shaken, and Im requesting a detailed review of the documents I submitted to prevent this from happening again.
Consumer complaint received 2023-05-12
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. (TX)

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

XXXX XXXX XXXX : XXXX, XXXX XXXX  XXXX : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-14
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. (NV)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense XXXX XXXX XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
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. (SC)

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX ( Add additional information if there are more inquiries ) Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-12-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hollis Cobb Associates (NH)

In violation of 12 CFR 1006, this debt collector ( Hollis Cob Associates ) collected a pay-to-pay fee through a third party payment processor while not expressly authorized under state law nor expressly authorized by the agreement creating the debt ( XXXX XXXX XXXX XXXX XXXX XXXX I asked the debt collector if this was expressly authorized by the agreement creating the debt, and they stated that they dont have that information. The amount owed was {$90.00}, I was charged {$96.00}, of which {$6.00} was the pay-to-pay fee. I was forced to pay this fee to resolve the debt. I attempted to ask for the fee to be refunded, and they refused. I advised that I would submit the complaint if they did not agree to refund me, they ended the call. The Bureau of Consumer Financial Protection advisory opinion ( XXXX ) clearly reiterates that debt collectors are prohibited from collecting any amount including interest fee charge or expense incidental to the principal obligation, unless otherwise expressly authorized as stated above. I am attaching proof of the amount paid, the fee charged, the account paid in full, and the details of the account.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

Failed to protect my information. Failed to remove fraudulent charges due to Equifax ' ability to protect my information from Data Breach. My information is now on the dark web for sale, after its sold, it gets sold again. The amount of hardship this has put on myself and my family is unbelievable. Have you ever tried to rent or lease a home with bad credit not caused by you? A car? Let alone a credit card. This company shouldnt be in charge of a human beings favorite color let alone their personal information and future financial decisions.
Consumer complaint received 2021-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CA)

I have 2 accounts with Citibank. One with Sears, Shop Your Way Mastercard, and the second with Home Depot. I have had the Sears card for about 4 years and for the most part have always paid my bill on time. I got the Home Depot card about a year and half ago and have always made the payments on time as well. I became unemployed in XXXX, XXXX due to covid. I notified Citi on the Sears card about my hardship online and was given a forbearance for that card. After it was over I made payments up until my unemployment was stopped. Payments were made until XX/XX/XXXX. The rep started calling me and telling me I owed more money then what was past due. I filed a complaint with CPFB and Citi responded saying it was correct. After not being able to pay Sears Card I notified Citi again and my account was placed on a payment plan. Citi said they would have to close my account but would still report to the credit agencies my payments were late. I did not have a choice to keep the account open. I was able to make 1 payment and then my unemployment was cut off again. I notified Citi about the status and they said they would note the account. Coincidentally Citi sent me a notice that they had lowered my credit limit on my Home Depot Card 2 weeks after closing my Sears Card. I had just made a payment and was never late. I notified Citi the first week of XX/XX/XXXX for the Home Depot card letting them know I was unemployed, not receiving unemployment and was not going to be able to pay. I notified them well in advance of the payment due date on the XXXX. I asked for a hardship or forbearance and they told me I " HAD '' to call in. I responded back online that I had never had to call in before and to note account I was not able to pay. Citi continuously refused to help me unless I called in. I notified citi again that I was upset and they were bullying their customers and playing games. Citi retaliated against me for complaining and taking actions against my Sears Card. I asked Citi to send me documentation and or all disclosures specifically showing me where it says I have to call in. To date Citi has refused to send any documentation or help with this account. Now this account has past due and late payments. I offered Citi to settle with me for the Sears account and they refused. They did give me a payment plan with a lower interest but they closed my account and still report late to the credit agencies. They lowered my Home Depot card limit which now both reflect badly on credit and have damaged my credit further regardless of my payment history. I was able to apply for hardship previously online through logging into my account. Citi has since taken that option away and refuses to assist unless you call in.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-07-31
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Consumer complaint received 2021-05-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (PA)

XX/XX/XXXX I opened a checking and savings account and deposited {$50000.00} into savings in order to get the bonus described below : Citi XXXX Account Package https : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX From a 3rd party source ( different promotion period ) : {$700.00} bonus Open new eligible checking and savings accounts in the Citi XXXX Account Package during the offer period XX/XX/XXXX to XX/XX/XXXX. 
Within 30 days of opening your account, deposit {$50000.00} in XXXX-Citibank funds between the new checking and savings accounts. 
Maintain a minimum balance of {$50000.00} between the checking and savings accounts for 60 consecutive calendar days. 

XX/XX/XXXX I called and talked to a rep XXXX and transferred {$10.00} as I received an email stating that the checking acct would be closed. 

He told me that the bonus would be posted no later than XX/XX/XXXX, as he explained 60 days after account opening,. ( 60 days + 90 days to maintain the fund in the accounts XXXX XX/XX/XXXX I called and talked to a rep XXXX, then XXXX as the bonus was not yet posted. XXXX said that he would escalate my inquiry and check back within a week or so. 

XX/XX/XXXX I called and talked to a rep XXXX, who apologetically told me that the case had not been resolved yet and asked me to wait a couple more days. 

XX/XX/XXXX I contacted through chat and talked to a rep XXXX XXXX copy attached XXXX. He told me that it had been resolved and a snail letter was sent out. 
I asked why the bonus was not posted, he told me that he could not check the result and I would need to wait for the letter. Or, I could call again. 

XX/XX/XXXX Called again and talked to a rep, explained the whole thing, and clearly stated as follows : > why such a long wait? 
> searched for Citi XXXX XXXX XXXX on the web and found many cases XXXX XXXX XXXX XXXX  XXXX > unless it is solved right away, will file a complaint to the Consumer Financial Protection Bureau While I was on hold, somehow I was cut off. So, I am filing this complaint After this many phone calls, no bonus. I would find out what kind of craziest reason they say I was disqualified for the promotion although all the reps looked into my account activities and kept telling me to wait for the bonus to eventually show up. I believe that they do this, hoping customers get frustrated and give up.
Consumer complaint received 2020-06-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I filed complaints in regards to the incorrect info on my credit report since XX/XX/2020. In early XXXX, Experian and XXXX  made the correction. However, in late XXXX when I was about to submit my auto loan application, I discovered that the corrected error came back again on my Experian and XXXX  credit reports. I attempted to dispute it with the credit report agencies directly, I was told that I need to wait for additional 30 days before the next update. The credit report agencies 's response is in bad faith. It has made my life extremely inconvenient during the pandemic.
Consumer complaint received 2023-05-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (NJ)

I had a XXXX XXXX XXXX XXXX. I was double billed {$6000.00} and {$4500.00} for the same test. This is fraud or an error just like 40 % of all medical billing. 
The total bill for a 20 minute test was {$10000.00}. My medical insurance company paid almost all of it. There should be no balance due.
Consumer complaint received 2024-09-14
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: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I am writing to dispute the inclusion of certain personal information in my credit report maintained by your company. Specifically, I would like to request that the following information be removed from my credit report : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information in their credit reports. As you are aware, the FCRA is a federal law that regulates the collection, dissemination, and use of consumer credit information. Section 611 of the FCRA gives consumers the right to dispute inaccurate information in their credit reports and to have such information corrected or deleted. 
In addition to the FCRA, there are several state laws and statutes that protect the privacy of consumers ' personal information. Given the sensitive nature of personal information, it is important that credit bureaus take all necessary measures to protect consumers ' privacy. 
Therefore, I request that you remove the above-listed information from my credit report and confirm in writing that you have done so. Please also provide me with a free copy of my updated credit report. I appreciate your prompt attention to this matter.
Consumer complaint received 2022-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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