davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I would like to dispute these inaccurate accounts on my credit report. 
Please see attached. 

XXXX : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-02
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 XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2017-12-12
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: DISCOVER BANK (FL)

It seems that I have an inquiry from your company and Im looking to get more information because I never applied for anything and Im trying to figure out why and where would this inquiry come from. I am unaware of the inquiry. I have been a victim of identity theft and I have suffered from the credit breach. I would like to get to the bottom of this and I am working with an investigator. I have contacted FTC including filing a complaint, and leaning towards taking legal actions against the credit bureau and creditor for not contacting me in a situation where someone is using my credit without my consent, which is a violation of severs sections in The Fair Credit Act sections 609, 611, 604, 605. 

Inaccurate : Discover Bank
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My XXXX credit card from XXXX XXXX  ending in XXXX have disappeared from ALL THREE credit reports, I have contacted XXXX XXXX  and advised them of this issue since the beginning, they keep saying it will get resolve in the next billing cycle, but It has been several months with no resolution to this issue, and to why this credit card suddenly disappeared and no longer being reported to ALL THREE credit bureaus. 

Account is in good standing, never late opened back in XXXX, one of my oldest credit cards, my credit score went down several points due to this card no longer being reported to the credit bureaus ( XXXX, XXXX, TransUnion ) I also wanted to mention I have added my husband as an authorized user ( Manager ) on this same account and also for him this card is not being reported on his credit report.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have been contacting Capitol One for almost two weeks now. I initially called on XX/XX/XXXX to find out how much my payoff was. I was given XXXX XXXX plus dollars as my payoff amount, so I decided to pay off my account on XX/XX/XXXX. To my knowledge, if I pay off my balance before my billing cycle ends that I would not accrue any interest. My billing cycle ends on the XXXX of each month, so how am I responsible the interest? My balance was XXXX as of XX/XX/XXXX. All of a sudden, I view my account and saw that I had an outstanding interest of {$18.00} after I paid my balance off on XX/XX/XXXX.
Consumer complaint received 2024-09-05
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. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX, XXXX XXXX and XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX, and XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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.

Account Name : XXXX XXXX XXXX  Account Number : XXXX  has violated my rights. Or list of inquiries 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 2023-04-22
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. (PA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/year>, I bought a plane ticket through Southwest Airlines for {$260.00}. During this period Chase Bank and Southwest Airlines offered {$300.00} for your first flight as long as you put it on the Southwest credit card. XX/XX/XXXX I applied for the credit card and got accepted, and when I purchased the flight, the total that was shown that would be put on my card was {$39.00} for the flight, due to the special offer that was going on.

I got my first statement towards the end of XXXX, and the total for the flight, and on my card was as stated above. When I called and tried to talk about it with Southwest Airlines, they directed me to call Chase. I have called Chase twice now and explained what happened, and then they told me to wait 12-14 days to receive something in the mail, and during this time if a payment would come due I wouldn't receive a late fee. Now, after trying to dispute this incident and get it corrected, I have received two late fees and no understanding from Chase Bank.
Consumer complaint received 2023-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

Several fraudulent collections are reported on my credit report. I discovered it, and I contacted and sent an FTC identity theft report to the collection agencies and the credit bureaus to remove the derogatory remarks from my credit report. I have been a victim of identity theft and have informed all the credit bureaus, collections agencies, and credit card companies that these accounts are derogatory and do not belong to me. Someone used my personal information to open fraudulent charges under my name without my permission, consent, and knowledge. I have requested that the collection agencies, credit bureaus, and credit card companies send me debt validation documents regarding these fraudulent accounts, but they have not responded. I want these derogatory, fraudulent accounts removed from my credit bureau and never reported on my records. The collection companies are XXXX XXXX XXXX, credit card company XXXX XXXX, Jefferson Capital Syst, and the credit card company is XXXX XXXX.
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XX/XX/XXXX WIRE TRANSFER MADE TO WRONG BANK XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Within minutes BOA was notified that the wire needed to be STOPPED XX/XX/XXXX BOA looked into stopping wire, but it had already been completed. 
We filed a complaint with BOA, but they have not made an attempt to rectify this situation. 
I was told it was my fault.
Consumer complaint received 2023-09-22
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: Experian Information Solutions Inc. (FL)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information
Consumer complaint received 2023-09-25
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: SELECT PORTFOLIO SERVICING, INC. (CA)

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to SELECT PORTFOLIO SVCIN XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Consumer complaint received 2023-09-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (CO)

This account was opened XX/XX/2021 and opened with a balance of {$560.00}, I have not been sent any communications from this debt collector, including no debt validation letter so I have been unable to validate this debt.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Larry H. Miller Group of Companies (IL)

Prestige financial is reporting inaccurate information to the credit reporting agencies. They are reporting inaccurate payment history and amounts. They are reporting that the account is closed and charged off at the same time. The account can be one or the other. If the account is closed/written off I never received the 1099C form from them this has to be reported on the company end as a loss of income and gain on mine. Also if the account was charged off I was never told what company the debt was sold to. If the account was written off this has to be reported to the irs. I do not believe you can write a debt off and still sell it and try to collect on it that seems to be fraud. I believe this is also numerous violation of the FCRA and an IRS code violation. They have also defamed my character and caused me harm.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

Upon reviewing my consumer report, I see that XXXX XXXX  XXXX has reported late payments on my consumer report. The account is reported incorrectly and inaccurately. This account must be removed from my consumer report. Please see attached, you will see how incorrect its reported across all 3 bureaus. Months are not the same. It violates the consumer law below. 
15 U.S. Code 1681e - Compliance procedures ( 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.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX 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 2017-12-05
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. (AZ)

I recently pulled a copy of my credit report on-line and found that XXXX XXXX XXXX XXXX is reporting the following inaccurate information in my file that is negatively affecting my credit score and life : 60 day late payment I have continuously made payments on this credit card and have brought this to their attention. Payments above the minimum have been paid on-time on a monthly basis and have never been late. 

I understand that per the Fair Credit Reporting Act, they are required to notify me of their investigation results within 30 days but they have not. Additionally, they are required to readjust this but XXXX XXXX XXXX XXXX has not despite my on time payments and evidence showing them that my payments have been made on time. 

I look forward to XXXX XXXX XXXX accurately updating my credit information with all three credit bureaus in order for my credit report to accurately reflect my on-time payments. 

Thanking you in advance.
Consumer complaint received 2023-09-25
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. (CA)

Several fraudulent collections are reported on my credit report. I discovered it, and I contacted and sent an FTC identity theft report to the collection agencies and the credit bureaus to remove the derogatory remarks from my credit report. I have been a victim of identity theft and have informed all the credit bureaus, collections agencies, and credit card companies that these accounts are derogatory and do not belong to me. Someone used my personal information to open fraudulent charges under my name without my permission, consent, and knowledge. I have requested that the collection agencies, credit bureaus, and credit card companies send me debt validation documents regarding these fraudulent accounts, but they have not responded. I want these derogatory, fraudulent accounts removed from my credit bureau and never reported on my records. The collection companies are XXXX XXXX XXXX, credit card company XXXX XXXX, XXXX XXXX XXXX, and the credit card company is XXXX XXXX.
Consumer complaint received 2024-09-04
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. (CA)

Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX 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 2023-09-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (AR)

Documented that they call to collect a debt 2X a day minimum sometimes more 7 days a week, this is beyond harassment and has been brought to their attention on multiple occasions. This is just the phone calls and doesn't include the emails I receive as well.
Consumer complaint received 2023-09-25
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
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. (FL)

I AM WRITING TO DISPUTED ACCOUNT ON MY CREDIT REPORT THAT WERE MADE WITHOUT MY CONSENT. ACCORDING TO SECTION 604 OF FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSE UNDER THIS SECTION THAT JUSTIFIES THEIR PRESENCE ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNT AND CAN NOT FIND ANY PERMISSIBLE PURPOSE UNDER THIS SECTION THAT JUSTIFIES THEIR PRESENCE ON MY REPORT. DELETE HARD INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX