davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-21
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. (AL)

n accordance with the Fair Credit Reporting Act 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 instruction.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i went to get a vehicle and they said they would pull from the company itself now i have several inquiries and from other im not aware of who inquired i would like to resolve this issue by removing the inquiries.
Consumer complaint received 2023-08-31
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. (MD)

On XX/XX/23 # XXXX, i put in my first complaint through CFPB to Transunion, They did not record current status of of disputed information and the reinvestigation took longer than 30 days. According to 15 USC 1681i! THEY LAW IS THE LAW AND THEY BROKE THE LAW!! THOSE ARE TWO VIOLATIONS! I put in another complaint on XX/XX/23 # XXXX letting them know that they took 30 days and that no record of the items being disputed was recorded. They chose to keep playing games and say they are still working on it and say som disputed take 60 days. again the law is the law! According to the law you only get 30 days for investagations and a extra 15 days which makes 45 if i give new information during the time of the investigation which is not the case. They claim that even though on my end i can't see that my disputed were being record they can see it on there end, it does not state that that is ok in any law dealing with USC CODES EVERYTHING IS SUPPOSE TO BE CLEAR AND CONSPICUOUS AND IN A REASONABLY UNDERSTANDABLE FORM! They did not reply until XX/XX/23 that is well past 30 days and on my online account under where the disputed claims are it only shows on dispute and that is from XX/XX/23 which is a different disputed and again my disputed should show old disputed and active disputed the fact that only one is showing further proves my point that no record of my disputed was show or available to me. it showed that when i first put disputed in and it still shows that i only had one disputed open even if that was a technical error on there end that is their problem not mine and it still a violation my rights. By law the account that were originally disputed MUST BE DELTED AND I SHALL RECEIVE {$1000.00} FOR EACH OF THE LAWS/VIOLATIONS THAT WERE BROKE! If not a FTC REPORT WILL BE FILED FOR CONTINUING TO KEEP ITEMS ON MY REPORT IS FRUAD AND IDENTY THEFT AND XXXX  WILL BE CONTACTED AND Arbitration will be filed DO NOT XXXX PLAY WITH ME I KNOW MY RIGHTS IM TIRED OF PLAYING GAMES!
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2021-12-16
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. (FL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-16
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. (IL)

I submitted a dispute with Experian for the company XXXX. They recieved the dispute XX/XX/2021 Report Number XXXX. How is it POSSIBLE to complete an investigation on XX/XX/2021 when the other reporting agencies are still investigating? Experian 's website says : Investigations take 30 days. Per the FCRA investigations are 30 days as well! I need to see the paperwork from the investgation and how Experian validated this account which is reporting inaccuractly on XXXX and XXXX as well.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Our non profit company XXXX XXXX XXXX and XXXX XXXX has a bank checkings account with Bank Of America. 
We have had fraudulent charges/checks posted on the account since XX/XX/XXXX. 

There were three fraudlent charges made between XX/XX/XXXX and XX/XX/XXXX by the same person who we do not know, and while Bank of America returned two fradulent charges, they said we are liable for the 3rd fraudulant charge. We had immediately contact Bank Of America to alert them about these 3 fraudulent charges of {$1000.00} each. 
We submited an ACH form as per their instructions back in XXXX, XXXX. They have not responded or taken any action on letting us know how to reconsider this and they have given NO reason why we are liable for the third fradulent charge. We desperately need help because this theft has occured on a non-profit clinical research organization account.
Consumer complaint received 2023-06-12
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)

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15 USC 1681 section 602 states I have the right to privacy 15 USC 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. Code 1681a - Definitions ; rules of construction- Exclusions- Except as provided in a paragraph the term " consumer report '' does not include any report containing information solely as a transaction or experiences between the consumer and the person making the report
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite multiple requests for these inaccuracies to be investigated and corrected, I have yet to receive a satisfactory resolution. These incorrect entries are severely affecting my credit file, and the resulting negative impact is significantly hindering my ability to manage my financial affairs and live a normal life. 

The continued presence of these inaccuracies has caused considerable hardships, and I am left with no choice but to plead for your prompt and thorough assistance in rectifying this matter. I respectfully request a comprehensive investigation into the reporting of each disputed account, with a focus on ensuring that the necessary corrective actions are taken without further delay. 

It is imperative that my credit report reflects accurate information so that I can restore its integrity and regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift corrective action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

On XX/XX/22 I spoke to a XXXX rep about incorrect personal information and 4 fraud accounts XXXX XXXX XXXX {$740.00} ref # XXXX XXXX XXXX XXXX {$5000.00} ref # XXXX XXXX {$940.00} ref # XXXX XXXXXXXX $ -- ref # XXXX I was assured it would be immediately taken off, so I followed up after checking my credit report seeing it was not removed. 
On XX/XX/22 I called XXXX got to a supervisor, where we went over the incorrect personal information and 4 accounts that were still reporting. The supervisor was very unprofessional and told me they never received any call from me. She said that I had no recourse and would have to go through the civil court system.
Consumer complaint received 2023-08-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (FL)

On XX/XX/2023 I went to a retail store XXXX XXXX to purchase my wife 's wedding ring. During the purchase, a representative from the store stated that I could take the ring today @ {$1500.00} and pay it off early through one of their leasing company. I agreed he stated that I could pay it off early by paying any additional amount while the leasing company ACIMA will withdraw a base amount which I set up to be taken out every pay period which is every two weeks that would pay off the loan in 3 months or 90 days in which I agreed and signed off on this lease arrangement. I later that day spoke to an ACIMA customer rep. and she assured me that i could use the early option 90 days by paying an additional amount in which I did every pay period to matcth the base amount ACIMA was supposed to be taking ou. However, when I checked back with ACIMA in XXXX I was told I had missed the early option rate and would now have to pay the 12 month rate. I found out later that ACIMA never took out the base rate but was on collecting the additional amount I was paying which totals approx. {$1600.00} but they are saying I owe {$3500.00} beccause I misssed the early option date. ACIMA VIOLATEDTHE LEASING AGGREEMENT BY NOT WITHDRAWING THE {$130.00} BASE RATE WHICH CREATED ME NOT PAYING THE EARLY OPTION RATE
Consumer complaint received 2023-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute an unauthorized credit inquiry on my credit report. I visited a car dealership that was supposed to run only XXXX account for me, but instead, they ran my credit for multiple accounts and resulted in multiple hard inquiries on my credit report. I did not authorize this inquiry, and I was not informed that my credit would be checked for multiple accounts. 
I am requesting that this unauthorized inquiry be removed from my credit report immediately.Please investigate this matter and remove the inquiry from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your prompt attention to this matter.
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (NY)

I was under contract on condition of peonage and experienced bank fraud, mail fraud, identity theft. I discovered what was happening and tried to dispute my claim but the bank deprived me of my rights under XXXX of law. I sent a civil complaint to the attorney general as other banks including this one are involved. I am giving the bank the opportunity to view my civil complaint and to remedy the damages that were done and to return all funds to me. I am still being extorted for counterfeit debt and my financial assets are drained. This is a controversy and conspiracy of authorized agents being complicit in active fraud and not helping consumers. They do not know the law and the rights of a consumer and need to be investigated.
Consumer complaint received 2021-12-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Scott Fetzer Financial Group Inc. (FL)

I purchased a vacuum cleaner in XXXX that was financed by United Consumer Financial Services. I made more than 24 monthly payments via automatic withdrawal. I subsequently lost my job and was unable to continue my payments. On XX/XX/XXXX, I received a letter from the creditor that stated " If you can make the next four payments on time, we will bring your account current. This will stop the accrual of late charges on your account, although it may increase the total amount of interest paid on the loan as well as the length of your loan. '' Because I am again employed, I immediately enrolled in automatic payment withdrawals, effective XX/XX/XXXX. I have made 5 successful timely payments, and the creditor has failed to bring my account current as promised! They have intentionally inflicted additional financial harm to my credit profile. This derogatory alert on my credit profile is preventing me from realizing financial goals that I have set. 

I pray for relief from this unscrupulous creditor.
Consumer complaint received 2023-06-12
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was 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 these 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 and are listed on my credit report XXXX XXXX  XXXX Balance : {$63000.00} XXXX XXXX XXXX Balance : {$370000.00} XXXX XXXX  XXXX Balance {$0.00}.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On Friday, XX/XX/XXXX, I checked my credit report through XXXX XXXX. A new, unpaid student loan had shown up in the amount of {$44000.00}. The origination date shows XX/XX/XXXX. I was not in school at the time. 2 years previously, my husband and I had a loan forgiven for roughly the amount in XXXX for our service in high needs, low income schools as teachers. When I contacted XXXX, they had no record of the loan and could provide no additional information other than there was no loan in the National Student Database attached to me for that balance. It was suggested I call XXXX as the loan may have originated with them. I called both XXXX and XXXX and neither had record of that loan and I can see in both their dashboards that there is no loan for me. I also have logged in to my student aid account with the federal government and there is no loan there. This is a false report.
Consumer complaint received 2023-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (IL)

I received a letter my loan was transferring from XXXX XXXX to New Rez. It stated the transfer date was XXXX, XXXX XXXX would stop accepting payments and the new servicer would start accepting payments. I did not receive any information about my new loan number. On XXXX I tried to contact New Rez to make a payment, and an automated message via their phone number stated they would not be accepting payments until XXXX. I also tried to login to their website on XXXX and was blocked, I needed my new loan number which was never provided to me. I had to call to get my loan number. 
I just received my welcome letter TODAY XX/XX/25 from Shellpoint/Newrez which has a " date '' of XXXX. There's no way this was mailed on XXXX. It finally has my loan number and information on how to make payments. 
I work for a mortgage servicer, this communication lag is unacceptable.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX is reporting this information as a charge off XXXX month. 
A balance is being reported and a charge off can not have a balance reporting. 
The amount has been reported as a loss for each breauru. 
XXXX is reporting this as being payed as agreed this information is indeed incorrect
Consumer complaint received 2022-11-30
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. (NY)

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 XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-06-11
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. (FL)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, XXXX # XXXX, Account name : XXXX XXXX, XXXX # XXXX, Account name : XXXX XXXX, XXXX # XXXX, Account name : XXXX XXXX, XXXX # XXXX. Account name : XXXX XXXX XXXX XXXX XXXX account name : XXXX XXXX # XXXX account name : XXXX XXXX, XXXX # XXXX account name : XXXX, XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-12-08
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: TRUIST FINANCIAL CORPORATION (TX)

I want all these hard inquiries remove I did not authorize to run my credit its fraudulent. The companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-01
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)

*This item XXXX XXXX is inaccurate because has multiple account numbers. I am requesting that this item be removed * This item XXXX XXXX is inaccurate because its paid not collection. I am requesting that this item be removed Enclosed is documentation supporting my request : copy of my credit report shows the accounts has inaccurate information. 

Please investigate this matter and delete the disputed items as soon as possible. 

Sincerely,