davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX 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 XXXX 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 XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2023-03-09
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

This is in response to ALLY BANK and/or PLUS FINANCE for account ending in XXXX ; According to the Internal Revenue Service ( IRS ) XXXX an unpaid charge-off is considered INCOME and according to the Fair Credit Reporting Act ( FCRA ), Income can not be reported on a credit report. As of XX/XX/year>, the information being reported as Charge-off is inaccurate and per the FCRA this account is required to be deleted ; I also have not received the XXXX so I may assess the taxes upon this transaction, please provide. 

I also revoked the power of attorney, and reserved all my rights, titles, and interest in the transaction, as well as my right to privacy in reporting information in a previous complaint.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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.

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 2019-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recoveries, attempted to collect a debt that was charged off and closed by XXXX XXXX in XXXX. Had them remove the damaging claim 3 time between XXXX and XXXX. But every 3 months they post it to my account causing my credit score to drop each time from fair to poor and may have been responsible for me not getting hired in management jobs between XXXX and XXXX where good credit is a primary factor., They repeatedly called me and harassed me by mail after I requested them to cease and desist. I have also had my legal representative send them a letter The Company responded by sending me the collections letter to me new address. Their new tactic is putting a new purchased date on the account even though the account has been charged off for over 10 years.
Consumer complaint received 2023-03-10
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. (VA)

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 XXXXXXXX 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 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 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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My accounts 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/updated.

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.

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!
Consumer complaint received 2020-10-26
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)

I sent a certified letter to Experian in XX/XX/2020 trying to dispute a collection on my credit. The Collection is From XXXX XXXX XXXX and I did not find out about until I got an alert on credit. This is my second time disputing this and Because XXXX XXXX XXXX did not inform me of my right to initial debt validation I was not able to dispute the debt in the First 30 days. 
Consequently Experian and XXXX XXXX are able to keep reporting this information as accurate without proving the debt is valid.
Consumer complaint received 2020-12-12
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: CITIBANK, N.A. (NY)

On XX/XX/XXXX I purchased four tours with XXXX for a future trip to XXXX, using my Citibank Credit Card. 

When the international borders were officially closed due to Covid, I attempted to cancel the tours and get my money back from the merchant, XXXX Merchant refused to give my money back and offered vouchers I then contacted Citibank to dispute the charges. 

Citibank opened a dispute on XX/XX/XXXX ( see XXXX billing info attached ). I was issued a temporary credit until this matter was resolved. This was a very convoluted process with Citibank since customer services did a poor job answering my questions. 

On XX/XX/XXXX, Citibank reversed the credit and resolved the issue in favor of the merchant. Within the same billing statement there was a temporary credit in my favor XXXX XX/XX/XXXX XXXX and a reverse of the credit in favor of the merchant ( XX/XX/XXXX ). This information can be found in my XXXX Invoice, which is attached. 

On XX/XX/XXXX when the XXXX statement was due, I paid it in full through " Auto-pay ''. Therefore, despite disagreeing with the resolution, I paid the amount owed to XXXX. 

On XX/XX/XXXX, Citibank issued a new statement with three new charges for XXXX. 

On XX/XX/XXXX, upon verifying the statement, I called Citibank to dispute these charges, since I had already paid for them in as it can be verified by the XXXX statement ( also attached ). 

This resulted in endless calls with Citibank customer service, dispute center, and fraud department. 

On XX/XX/XXXX After multiple attempts to resolve the matter with Citibank, I filed a complaint with CFPB ( Complaint Number XXXX - also attached ) On XX/XX/XXXX - Citibank, through Auto-pay, charged me the full payment for the XXXX billing cycle, minus " credit '' for part of the dispute they claimed they overcharged. ( Please see " Account information document attached ) On XX/XX/XXXX, I received a letter from Citibank explaining that these charges were not fraudulent, but rather in reference to the XXXX dispute. ( Please see " Reply from Citi attached ) On XX/XX/XXXX, I called customer service again. She informed me I could open a dispute. However, I am here going in circles with Citibank, trying to explain to them, since XXXX, that I already paid for the reversal of credit in favor of the merchant. They are now billing me twice and they deducted this amount from my auto-pay twice, as you can verify by the records attached.
Consumer complaint received 2019-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX there was a cash withdrawal of {$6000.00} made from my business account. I did not make the withdrawal and it's obviously someone within the bank branch that did. I have emails placing me at my work at that time, the IP address on the emails line up with my work router. Also the handwriting on the withdrawal slip is not mine. 
I attempted to deal with CHASE on this, after over a month of consideration they are declining to pay me. My accountants did not discover this until mid XXXX of XXXX, Chase is saying it was too late to do anything about it. 
I have been a customer there for over 22 years. I have a mortgage and an IRA with them. I have no history of any fraudulent activity with them or any bank.
Consumer complaint received 2023-03-10
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. (NC)

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 XXXXI XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX has violated my rights .

15 U.S.C. 1681 Section 602A states I have a right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C. ( a ) ( 5 ) 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 more than seven years.

15 U.S.C. 1681S ( a ) ( 1 ) states that 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 2022-04-28
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)

I am challenging the incorrect information with PXXXX XXXX XXXX where all 2 Bureaus Experian and XXXX have clearly violated the law and have put on my credit report that the account has been verified but still have not provided any details on how it was. The account is being reported as a Charge Off and by law, you can not collect on a charge-off account nor report it monthly. 
I contacted all 2 bureaus Experian, and XXXX as well as XXXX XXXX XXXX Well, the law states that with a charge off a company can no longer collect on the debt because they wrote it off to the IRS. This is a cancellation of debt. I received a 1099 C in the mail and had to file this with my taxes. I then know that you can not report income to the credit to my consumer report. All reporting agencies prepare a consumer report and shall follow reasonable procedures to assure maximum max of possible accuracy of the information concerning the individual. This is inaccurate information and I need it deleted immediately.
Consumer complaint received 2019-11-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (AZ)

We were paying off the mortgage on our house. The payoff amount was to arrive at the lender, PHH Mortgage, on XX/XX/19. That is the same day that PHH would debit {$1100.00} for the XXXX payment from my checking account. On XX/XX/2019 I called PHH and informed them the loan will be paid on XX/XX/XXXX and asked that they not take the XXXX payment from my account. The PHH rep said no problem PHH would stop the withdrawal and in fact PHH did not take any money on XX/XX/XXXX. Now today, XX/XX/2019 they took the XXXX payment, {$1100.00}, from my account.. 

I called PHH and asked if the entire loan had been paid off on XX/XX/XXXX and it was confirmed that it had. I asked if PHH has the record of my request on XX/XX/XXXX to stop the XXXX payment and was told yes. So I asked why then did PHH take {$1100.00} from my account on XX/XX/XXXX. I was told, by a rude representative, that it takes 30 days to make a change to how payments are made. I said that makes no sense because you already stopped the XX/XX/XXXX payment and then arbitrarily and without authorization took money three days later. This really is outrageous. Now I have to wait " up to '' 25 business days to get MY money that PHH illegally took on 100 % paid off loan.
Consumer complaint received 2022-04-28
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: DISCOVER BANK (MA)

I received notice from Discover Financial Services that I was being denied for a variable rate undergraduate loan Application ID XXXX on XX/XX/2021. 

I immediately contacted Discover who said that there was no record of a loan application. I informed them that there was a hard inquiry for a loan and I would like it removed. 

I followed up with discover again in XXXX with no result. I then filed disputes against the hard inquiry with all three credit bureaus which did not result in the hard inquiry being removed.
Consumer complaint received 2024-11-04
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. (OR)

I HAVE BEEN A VICTIM OF SEVERAL BREECHES i.e. XXXX All of the following inquires were made fraudulantley : XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX XX/XX/XXXX, XXXX  XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX CARD - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX OF XXXX - XX/XX/XXXX XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (AR)

My Amex Serve account was suspended for no reason after receiving 2 deposits via unemployment benefits from my state. I called and they gave me no reason. I am not able to access my account or funds on my account. I have had this account for over 4 years and have never had any issues. My account received one deposit for XXXX then another for XXXX. Then my account locked and I received an email stating my account was suspended. Called several times and spoke to 2 different ppl and they would not help. I want my money off my account and to no longer do business with them.
Consumer complaint received 2020-05-19
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: Experian Information Solutions Inc. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XX/XX/XXXXXXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any  transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2023-03-10
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. (NJ)

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 XXXX XXXX XXXX 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 2022-04-28
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. (AR)

In accordance with the fair credit reporting act the following accounts have violated my rights XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # XXXX Unknown account # XXXX ( shows twice on XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 15U.S.C 1681 Section 602 A States that I have the right to privacy.

15U>S>C 1681 Section 604 A Section 2 States that a consumer reporting agency can not furnish an account without my written instructions