davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX, Court : US BKPT CT GA XXXX Reference Number : XXXX, 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 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 or 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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-10-29
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. (DE)

Today, I found unexpected and unauthorized inquiries on my credit report, which I can not explain. I checked my report as I usually do, but this time, discrepancies appeared out of nowhere. I refreshed my browser, hoping it was an error, but the unauthorized inquiries still showed up. Im extremely frustrated with this, and I urge you to review my documents carefully to prevent future issues. I need this resolved immediately.
Consumer complaint received 2020-10-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (VA)

The company XXXX XXXX XXXX, XXXX says that they brought my account from Synchrony Bank in the amount of about {$1400.00} dollars they also reported it to the credit agencies which has caused my credit rating to go down for the second time for the same charges for XXXX  that were not made correctly and of no use to me. XXXX XXXX refused to refund the money to the Synchrony bank credit card that I used to purchase the dentures and Synchrony refused to be fair with collecting the charges and took a one sided approach about who should repay the debt.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX  XXXX balance {$430.00}, XXXX XXXX  balance {$530.00}, and XXXX XXXX XXXX Credit balance {$780.00}.
Consumer complaint received 2018-01-15
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Cottonwood Financial Ltd. (TX)

At XXXX XXXX on XXXX/XXXX/18, I received a call from cotton wood financial in regards to a debt of XXXX I owe. The debt collect ask if it was me after I confirmed it was me and my information she immediate escalated her attitude and became very rude and questioning my integrity. I have escalated on the call and she returned the profanity. 

I have been working with he company to resolve my debt and have already paid half of what I owe. I had called back and talk to a supervisor in regards to their debt collections procedures and policies in regards to her blatant disrespect and escalations. 

During the first part of the call my demeanor was calm and professional until the rep XXXX had became offensive, duragatory and rude.
Consumer complaint received 2024-10-28
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)

My name is XXXX and this statement is being composed by me. Per the fair credit reporting act, accounts should not be furnished on my consumer report as they are in VIOLATIONS under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of these accounts : 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 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

My Chime checking account was accessed by an unknown individual without my authorization while XXXX XXXX XXXX This person stole my belongings, which the staff had put away for me during my treatment for XXXX. They drained my bank account of {$3900.00} through 13 transactions, each spaced 30 seconds apart. Eight of these transactions occurred within five minutes, with amounts ranging from {$100.00} to {$100.00}. Then, a few minutes later, five more transactions were placed back-to-back within two minutes. One was {$600.00}, and the rest ranged from {$100.00} to {$100.00}. This type of activity, occurring within such a short amount of time between each transactionsome being seconds and others barely a minuteshould have raised red flags immediately if Chime was truly protecting their customers ' accounts. XXXX XXXX XXXX at the time and didn't have access to my phone, as it was taken with all my other XXXX XXXX XXXX XXXX I still tried checking for any notifications after becoming aware of fraudulent activity on my account. Not a single alert or notification from Chime regarding this activity was received. This is truly unacceptable treatment for a customer. I believe the fraudulent activity could have been avoided or stopped if Chime had not been negligent in providing the security and fraud prevention measures they claim to offer their customers. Due to this incident, I have lost the {$3900.00} that was in my account, which was the last balance I saw before being XXXX XXXX XXXX XXXX  That money was supposed to be used for my medical bills, which are now unpaid and will continue to increase. I really hope this error in Chimes security measures can be corrected accordingly and my money be returned to my balance ASAP. Thank you.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Back in XXXX and again in XXXX Trans Union experienced a " computer glitch '' that had caused the hard inquiries on my credit report to disappear. Then apparently they were all " re-added '' to my report. According to the law, they failed to provide me anything in writing that they were adding the hard inquiries back to my account. 
I tried calling Trans Union directly and spoke with XXXX XXXX on XXXX/XXXX/XXXX at XXXX. EST. She was less than cooperative and denied that Trans Union ever experienced any type of computer issue. I tried to discuss the matter courteously and she told me that there was nothing she could or would do. 
I currently show 16 hard inquires on my credit report dated XXXX/XXXX/XXXX and I request that they all be removed as I was not notified in writing that anything was being put onto my report.
Consumer complaint received 2018-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Very briefly, Transunion failed to reasonably investigate two disputes XXXX credit report errors I submitted on XXXX XXXX, 2017. 

Dispute 1 : Billing error by XXXX XXXX XXXX, due to failure to send bank statements, which is legally defined as a billing error in 15 U.S. Code 1666 ( b ) ( 6 ). 

Dispute 2 : XXXX XXXX prevented me from making a timely payment to *them* ( by temporarily blocking my checking account, which I needed to use to pay their credit card bill ). Then they reported the delinquency that they themselves caused. 

The detailed events are all articulated in the attached letter to CFPB ( " XXXX '' ). I have also attached my original statement delivery instructions ( " XXXX '' ), and the original dispute to Transunion ( `` XXXX '' )
Consumer complaint received 2022-06-13
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, 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
Consumer complaint received 2018-01-15
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

-XXXX XXXX hired an attorney to handle family chapter XXXX bankruptcy -At that time we hired and instructed our attorney XXXX XXXX to reaffirm our loan with our mortgage. 
-XX/XX/XXXXBankruptcy Court in Colorado finalizes bankruptcy -We continued to receive monthly mortgage statements from PennyMac which we have been making. The statements indicated that the payments were going more to interest than principal. 
-In late XXXX purchased family truck and credit report pulled that our mortgage was a closed account. 
-XX/XX/XXXX Inquired to PennyMac to be connected with the right people to find out why it stated closed account and did not get an answer. 
-Attempted to make contact again a week later with no results. 
-Spoke with attorney, attorney sent additional paperwork to PennyMac regarding BK. PennyMac then said that they never received it. 
-PennyMac never sent me, as the customer, any paperwork stating that the loan was reaffirmed or that more money would go to the interest than principal. 
-As of the last date, issue was still unresolved and have not been able to speak with anybody regarding this. 
-As of current still making monthly mortgage payments.
Consumer complaint received 2018-01-16
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Collection Management Company (PA)

On Tuesday, XX/XX/XXXX, my mother received a call from Credit Management Company asking for myself. She then proceeded to ask them what the call was in reference to. The caller informed her that I supposedly owe some debt, the amount of the debt, and the creditor that the debt was owed to. My mother relayed this information to me and gave me the specific information. I had called Credit Management Company on XX/XX/XXXX to inquire about this debt, that I had no knowledge about, because I wanted to see if it was valid. I had informed them that they had violated FDCPA [ 15 USC 1692C ] 805 ( b ) by disclosing this information to my mother. XXXX, from Credit Management Company, had stated it could have been an automated message which disclosed this information. I informed him that this communication, regardless if it was an automated message or a person, came from Credit Management Company and still illegally disclosed this information to a third party.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KS)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2018-05-12
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. (CA)

I Have No Knowledge of this account and it does not belong to me XXXX XXXX Account Number XXXX Account Type Installment Loan Terms M Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Pays account as agreed Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated - Credit Limit {$1000.00} Past Due Amount - High Balance {$1000.00} Monthly Payment {$71.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, TX XXXX Ownership Authorized User Original Creditor - Company Sold-to - Original Amount - Comments -
Consumer complaint received 2018-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (IL)

The most recent response from Synchrony Bank mentioned an authorized user, after nearly 3 months of dealing with this situation and talking to numerous Synchrony representatives, this is the first time an authorized user has ever been mentioned. I never gave the authorized user on my account the card that was mailed to me ; the purpose was not for utilization, but solely for credit reporting. When I added the authorized user online I was not provided an option to opt out of a card being mailed, it simply asked for a name and nothing else ( not even a SSN or address ). Furthermore, I never questioned the whereabouts of the authorized user card because I was told numerous times that " my '' card was used. The latest correspondence from a Synchrony Bank specialist ( see attached ) mentioning the authorized user, prompted me to do a thorough search for the authorize user card, which I did not find. I 'm certain it was lost or stolen. At the time of the initial dispute, I was asked did I have possession of my card, I answered yes. I was never asked, and still have not been asked to this very day if the possession or whereabouts of my authorized user card could be confirmed or not. I never gave it much thought until now, and my request is for Synchrony Bank to confirm which card was utilized when the unauthorized charges were initiated. Also, during the issuance of a replacement card, I specifically requested that an authorized user card not be sent, Synchrony Bank not only sent the card anyway, they sent a total of 2 on separate occasions. When I called to address the matter, I was told nothing more than to shred the cards. 


Moreover, the specialist stated that a new claim/investigation was opened on XX/XX/17, but there was never an adjustment to my account ; therefore, not only are the credit bureaus receiving and reporting these disputed charges, I 'm being charged daily interest on them which is reflected in the billing statements and the amount due. In Synchrony Banks latest response the specialist indicated that she reached out to me to discuss the account, I feel this statement is very misleading because the voicemail left by her stated otherwise. She stated that she was letting me know she received my inquiry and although she left her contact information, she specifically stated that there was no need to call her back. According to Synchrony Bank latest response, they are alluding that the issuance of a credit card that can not be counterfeited and the use of that credit card within 50 miles of the card holders address, constitutes liability even if the charges were not authorized and fraud is suspected by the card holder.
Consumer complaint received 2018-05-12
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. (CA)

I Have No Knowledge of this account and it does not belong to me XXXX XXXX Account Number XXXX Account Type Installment Loan Terms M Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Pays account as agreed Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated - Credit Limit {$1000.00} Past Due Amount - High Balance {$1000.00} Monthly Payment {$71.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX  XXXX, XXXX XXXX, TX XXXX Ownership Authorized User Original Creditor - Company Sold-to - Original Amount - Comments -
Consumer complaint received 2022-08-11
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: Self Financial Inc. (IL)

I HAVE DISPUTED AND SUBMITTED SUFFICIENT EVIDENCE IN REGARDS TO INCORRECT DATA REPORTED WITH ALL THREE CREDIT BUREAUS. I HAVE ALSO SUBMITTED A POLICE REPORT TO SUPPORT THE FACT THAT MY IDENTITY WAS STOLEN. I HAVE BEEN FIGHTING WITH THE BUREAUS FOR OVER THREE YEARS NOW ALONG WITH OTHER CREDIT REPAIR AGENCIES THAT I HAVE HIRED TO NO AVAIL. THE ACCOUNTS ARE LISTED BELOW AND HAS CAUSED GREAT XXXX XXXX AND XXXX. I AM UNALBE TO MOVE FORWARD IN MY CREDIT CAREER HAVE NOT BEEN IN XXXX. I AM TRYING TO PURCHASE A HOUSE!! POLICE REPORT # XXXX XXXX XXXX XXXX  Negative Account Info Account NameXXXX XXXX XXXX  Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date XXXX StatusCollection account. {$580.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXX Account Info Account XXXXXXXX XXXX  XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 
Status UpdatedMay XXXX Account Info Account NameSBNASELFLNDR Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status XXXX XXXX Account Info Account NameXXXX - XXXX XXXX Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusOpen. {$110.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX  XXXX Account Info Account NameXXXX XXXX  Account NumberXXXX Account TypeCell Phone ResponsibilityIndividual Date XXXX StatusCollection account. {$2300.00} past due as of XX/XX/XXXX. 
Status UpdatedJan XXXX THIS ACCOUNT IS ONLY SHOWING ON XXXX AND NOT XXXX. 
Record Details Record Type XXXX  XXXX bankruptcy XXXX Reference Number XXXX Responsibility Individual Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Reinvestigation Info This item remained unchanged from our processing of your dispute in XXXX XXXX. 
On Record Until XX/XX/XXXX XXXX