davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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. (PA)

Notice, it is a fact, affiant is aware pursuant to 15 U.S. Code 1681c-2 ( a ), if I, the consumer, provides a consumer reporting agency, such as, XXXX, XXXX and Transunion, with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with the below listed accounts is not relating to any transaction by myself, XXXX, XXXX and Transunion is required to place a block on my consumer report on the information associated with the accounts listed above. This information would not be blocked in error, if I feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

Accounts 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
Consumer complaint received 2023-01-11
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. (PA)

Notice, it is a fact, affiant is aware pursuant to 15 U.S. Code 1681c-2 ( a ), if I, the consumer, provides a consumer reporting agency, such as, XXXX, Equifax and XXXX, with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with the below listed accounts is not relating to any transaction by myself, XXXX, Equifax and XXXX is required to place a block on my consumer report on the information associated with the accounts listed above. This information would not be blocked in error, if I feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

Accounts 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
Consumer complaint received 2020-05-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I recently attempted to dispute a bankruptcy showing on my credit file with Experian ... Experian responding saying item was verified as correct with XXXX county courts I then contacted the courts who stayed they have no records of said bankruptcy filing reference XXXX contains my name and that they had NOT verified or provided any information to Experian ... .I then reached out to Experian again and received credit report # XXXX dated XX/XX/2020 which now referenced the source of the bankruptcy as XXXX XXXX I contacted XXXX XXXX and received a copy of my file which still does NOT reference bankruptcy XXXX as Experian has listed I then filed a compliant with CFPB XXXX were Experian responded they would NOT take any actions as my disputed appeared to be from a third party. How can they say this when I provide a copy of my drivers license social security card and credit report showing the bankruptcy listed on it ... I believe Experian is violating my legal right to dispute invalid information and it is causing undue financial hardship for me .... I will be obtaining an attorney for legal assistance with this matter if no valid dispute is allowed on this item I am providing photo Government issued ID Proof of address, social security number and credit report as the previous response stated these items were needed although they were attached
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I called XXXX in XX/XX/2019 when I was unemployed and let them know I needed help with my payments until I got back on my feet. They said they would take a lower payment but did not mention it would result in a late reporting. It was my understanding at the time that I was entering into a hardship program, but the payments they were taking did not help and actually hurt my credit. Their deceptive collection practices hurt consumers. 

XXXX then enrolled me in a balance liquidation program in XXXX or XX/XX/2019 to bring the account current, and the representative on the phone set up automatic withdrawals to make my monthly payments and. They said there would be a 3 month trial period, and the account would be brought current. I assumed since I had started making full payments again, these would be reported as on time, and I would only have 1 late as a result of the XX/XX/2019 deception. 

However, they continued reporting my account late during the trial period from XX/XX/2019 through XX/XX/2019 despite sending me a letter saying I successfully completed the trial period, and that my payments were on time. 

I believe this may have been as a result of the dates that were set up by the phone representative being past the due date for the given month. With that said, this is an error on the banks part as I had made payments as agreed. 


This has substantially damaged my credit more than it should have, and the information is incorrect as I paid according to the agreed terms. There should not have been any lates beyond XXXX 2019. The attached letters say I made on-time payments through XXXX.
Consumer complaint received 2023-01-11
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. (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, defamed my character and caused me great emotional and physical stress : 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 

For my student loans- The reporting of these account ( s ) are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

For the other accounts : 12 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 the records of convictions of crimes which antedates the report by more than seven years.

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

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT.

Please send me an updated report upon completion of my request. 
Sincerely,
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (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, defamed my character and caused undue stress : XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX 12 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 the records of convictions of crimes which antedates the report by more than seven years.

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

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT.

Please send me an updated report upon completion of my request.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

Last year I purchased an item through a Jared Store Credit Card, provided by Comenity Bank. The item was purchased on a plan stating no interest if paid in full within 12 months. The end date of the plan was XX/XX/XXXX. I had automatic payments of {$300.00} applied to the account on the XXXX of every month for the course of the year. My XXXX statement ( attached ) indicated that I had until XX/XX/XXXX to pay the remaining {$1400.00} on the account or the accrued interest would be applied. To avoid this I issued a payment of {$1500.00} on XX/XX/XXXX, thinking that this would satisfy the terms. On XX/XX/XXXX I was charged {$1100.00} in accrued interest for the promotional plan. 

When I called the bank to resolve the issue I was told a variety of things ( ex. I can't be helped because it was too far from the end of the promotional plan, I had to call customer service in order to pay that balance off, that the {$1500.00} applied to the minimum due first so the terms were not met ). The XXXX statement simply indicated that I needed to pay {$1500.00} by XX/XX/XXXX, which I did. I had no indication that the terms were not met until XX/XX/XXXX when I logged into the account and saw the interest charge applied. 

Please let me know if you need any additional information from me. Thank you for your assistance.
Consumer complaint received 2023-01-11
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. (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, defamed my character and caused undue stress : XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX 12 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 the records of convictions of crimes which antedates the report by more than seven years.

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

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT.

Please send me an updated report upon completion of my request.
Consumer complaint received 2020-05-28
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. (CO)

I called XXXX in XX/XX/2019 when I was unemployed and let them know I needed help with my payments until I got back on my feet. They said they would take a lower payment but did not mention it would result in a late reporting. It was my understanding at the time that I was entering into a hardship program, but the payments they were taking did not help and actually hurt my credit. Their deceptive collection practices hurt consumers. 

XXXX then enrolled me in a balance liquidation program in XXXX or XX/XX/2019 to bring the account current, and the representative on the phone set up automatic withdrawals to make my monthly payments and. They said there would be a 3 month trial period, and the account would be brought current. I assumed since I had started making full payments again, these would be reported as on time, and I would only have XXXX late as a result of the XX/XX/2019 deception. 

However, they continued reporting my account late during the trial period from XX/XX/2019 through XX/XX/2019 despite sending me a letter saying I successfully completed the trial period, and that my payments were on time. 

I believe this may have been as a result of the dates that were set up by the phone representative being past the due date for the given month. With that said, this is an error on the banks part as I had made payments as agreed. 


This has substantially damaged my credit more than it should have, and the information is incorrect as I paid according to the agreed terms. There should not have been any lates beyond XXXX 2019. The attached letters say I made on-time payments through XXXX.
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX XXXX XXXX, someone who is not me was able to open up a credit card under my name, email and home address. They spent over {$200.00} at Children 's Palace. I received an email of these charges and notified Children 's palace in which they cancelled the order. I had just changed phone numbers in XXXX XXXX XXXX because I was constantly getting spam messages, emails and calls. Then i received an alert from XXXX XXXX that a new line of credit had been added. I HAVE NOT HAD AN OPEN CREDIT ACCOUNT SINCE XXXXI was able to sign into the online account of Childrens whatever because they signed up with my XXXX and old phone number. From there I was able to see the name and address of criminal who is impersonating me and using my credentials to open accounts. i have reached out to all three credit bureaus and put a freeze on them.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

FTC VIOLATION ON THE REPORT AND LISTED HERE : NEVER LATE XXXX XXXX XXXX XXXX FTC XXXX XXXX L ALL FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX INQUIRES : XXXX XXXX XXXX ALL NEED TO BE REMOVED
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (KY)

CITI bank advised that open an eligible Checking Account and earn a cash bonus of {$200.00}, {$500.00}, {$1000.00}, {$1500.00} or {$2000.00} when you complete required activities. 
1 Simply deposit qualifying funds within 30 days of account opening and maintain your balance for an additional 60 days from the 21st day to unlock your bonus.

2 Only New-to-Citibank checking customers can take advantage of this offer.

Here was my timeline : 1 on XX/XX/XXXX, I opened the on line account since there was no local branch in Kentucky. I did not get any response from CITI bank within next one week. 
2 On XX/XX/XXXX, I got an email from CITI that " Thank you for choosing Citi for your banking needs, and congratulations on your enrollment in the New to Citi Checking Cash Bonus Offer. We hope youre enjoying your new Citi checking account. '' 3 On XX/XX/XXXX, CITI told me that the on line checking account was ready ; 4 On XX/XX/XXXX, I verified the account ; 5 XX/XX/XXXX ( Friday, I began to transfer the {$25000.00} into citi account because of the day transfer limitation and took 5 days into CITI banks ; I deposited three time within next three days ; 6 On XX/XX/XXXX, the total {$75000.00} into CITI banks. 
7 XX/XX/XXXX, I found I did not get the cash bonus {$1000.00}. I called the CITI banks and they gave me a reference No and let me call back 5 days later. 
8 On XX/XX/XXXX, I called back again. They agreed that I was qualified for the cash bonus and gave me another reference No. They told me that they would give me an answer on XX/XX/XXXX. 
9 On XX/XX/XXXX, I called the bank and they agreed that I was qualified for the cash bonus and asked me to mail all the evidence to CUstom service center. I mailed. 
10 On XX/XX/2023, the bank told me that I was not qualified for the cash bonus because I did not fund the money within 30 days. They only briefly checked my bank account for the first month. They emphasized that my account was opened on XX/XX/XXXX. However, they did not acknowledge that my on line checking account was ready on XX/XX/XXXX. 
10 On XX/XX/2023, I called the bank, the supervisor asked me to call back on XX/XX/XXXX so that they would investigate it and gave me another reference No, XXXX XX/XX/XXXX, I contacted the CITI bank again but no result
Consumer complaint received 2023-01-11
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. (GA)

n accordance with the Fair Credit Reporting act, EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX as well as the requested removal of all invalid Residences and inaccurate name spelling and showing which ive requested to be removed countlesss of times XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX all inaccurate name spelling ALL accounts and furnisher and Credit reporting agencies have 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. 

4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

ALSO : 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance.

The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate.

AND I have previously had these files deleted from the reporting agencies but I have yet to get a complete credit report update done within the system and these inaccurate and Fraudulent accounts still remain which is harming my ability to better my circumstances and situation. THESE ACCOUNTS NEED TO BE REMOVED AS THE INVESTIGATIONS HAS SAID. and I need an updated Credit report By Mail
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, 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. (TX)

I followed a link from the website of my bank, XXXX  XXXX XXXX, to XXXX. Of the XXXX reporting companies, only XXXX gave me a free credit report. TransUnion required me to register on their website and pay {$.00} ; XXXX 's link only had a message to " call us ''. 

Aren't TransUnion XXXX XXXX in violation of the law?
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

On XX/XX/XXXX I sent out my second letter to Experian to remove personal information off of my credit report. According to the fair credit reporting act 1681 I have right to privacy. Also 15 US Code 6802 It states that no financial institution can disclose my personal information to any third party. 



These are clear violations of my federal protected consumer rights