davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AL)

Over the pass almost 2 years, I have contacted Equifax about fraudulent credit checks on my credit report. Each time I summitted a dispute on line they come back the net day and say the inquiries will stay on my credit for 2 years. I did not apply for any mortgage but Equifax is in so many words saying I did apply for a loan from these Mortgage companies. 
I have a freeze and a block on my credit reports all 3 of them and they have been there for about 8 years but still Equifax allowed these companies to check my credit. I have sent mail over the pass 2 years and they sent back by e-mail saying they will stay on my report for 2 years. I have also sent several letters to Equifax about this but I never got any response back from them, it's like they threw the letters away. I also sent form 605B and no response from them. I don't understand why they are doing this. They don't care about anyone 's credit being exposed. They are allowing companies to check my credit without my permission. I also ask them by mail if I could put a statement on my credit report but to no avail. They said I had to write to them so I did but they did not response back to me about this. They are just allowing anyone or company to check my credit. What good a is a freeze and a block on my credit when they are allowing companies to check my credit. This is not right.
Consumer complaint received 2024-10-29
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. (IN)

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  Account XXXX Account Name : XXXX  Account Number : XXXX and 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 XXXX : 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 XXXX 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 2023-12-01
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: Experian Information Solutions Inc. (CA)

I am writing to dispute information on my credit report that I believe is inaccurate. I have not received any 1099-C Cancellation of Debt letters regarding these following accounts : - XXXX XXXX  XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX Given the absence of these 1099-C Cancellation of Debt letters, I firmly believe that the reporting of these charge-offs is inaccurate. According to the FCRA, I have the right to dispute incomplete or inaccurate information. I request that these charge-off accounts be removed from my credit report as they do not reflect a complete and accurate credit history. 

I appreciate your attention to this matter and expect a prompt response. Please investigate these discrepancies and update my credit report accordingly.
Consumer complaint received 2019-02-21
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. (GA)

On XX/XX/XXXX resent request to have entries for XXXX XXXX and XXXX deleted. Accounts had not been verified/investigated per FCRA. 
Original creditors admit to not having information regarding account in question. 
XXXX-has no record of account in question unable to provide information. 
XXXX XXXX- has not responded with original signed documentation of account.
Consumer complaint received 2019-10-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2019 met with a representative from TD Bank by the name of XXXX XXXX XXXX. The purpose of my visit with her was to officially close out my account since it was not closed out during my initial request in XX/XX/2019. Ms. XXXX XXXX informed me that the account had been officially closed including my XXXX  preferences. 

Today, XX/XX/2019, I had some money transferred to me through XXXX and the funds were sent to my TD account that should have been officially closed back in XX/XX/XXXX. 

I spoke with a representative today and they informed me that I was never unsubscribed from XXXX through their bank. And that I would have to wait 7-10 business days for the money to return back to the sender.

I do no have the luxury of waiting 7-10 business days for money that should have never been accepted through TD bank since my account was closed. 

This is not the first time that I am having this exact same situation with TD bank.
Consumer complaint received 2019-10-31
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)

I have an account Texas Office of the Attorney general ( listed on Trans Union as XXXX XXXX XXXX ). TransUnion is showing me 30 days late In XX/XX/2019, 60 days late in XX/XX/2019, 90 days late in XX/XX/2019, 30 days late in XX/XX/2019, 60 days late in XX/XX/2019, 90 days late in XX/XX/2019 and 120 days late in XX/XX/2019. I called the Texas OAG and they report I was never late and they did not report me late and I am current and they reported me current each month where TransUnion is showing me late. I have filed 2 disputes with my payment documentation and although TransUnion shows me Latest Status : Current, they have not removed the 7 negative notations in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/2019. XXXX has it correct, why can't TransUnion get it corrected?
Consumer complaint received 2024-10-29
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. (TN)

I recently recently reviewed my consumer credit reports and noticed I had fraudulent accounts on my report. Please remove these fraudulent accounts, for they are hurting my ability to obtain credit. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Chapter XXXX Bankruptcy : Bankruptcy XX/XX/XXXX, Chapter XXXX Bankruptcy : Bankruptcy XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX accounts has resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO report.
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Account Number : XXXX : Source of dispute information : Bank of America Dates associated with item being disputed : XX/XX/2000 Explanation of item being disputed : it shouldnt still appear on my credit report. 



I am disputing the following information that appears on my XXXX  report : Product not received, I never had bank of America Credit Card it shouldnt appear on my credit report.
Consumer complaint received 2024-10-29
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. (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 XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account XXXX and 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 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX  # XXXX is reporting a late in XX/XX/19 that I should not owe. I paid this online and was never informed that the payment did not go through, and I did not realize it was marked as late until I had my credit pulled later. This is not my fault and I would like this late removed.
Consumer complaint received 2024-10-29
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. (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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery calls my personal cell number everyday for the past 3 months from multiple phone numbers always after XXXX. When I answer they hang up and they never leave a message. Today XX/XX/2019 they called my place of employment between XXXX XXXX and they continue to hang up. I'm just learning they served court documents to my ex husbands parents home which I have never lived at and told them what they documents were.
Consumer complaint received 2024-10-30
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)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2019-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (NY)

Synchrony Bank is running a scam with their " Card Security '' credit insurance. I filed a claim, it tells me there was an error and the claim couldn't go through. So I go to try again the next day and it says the claim did actually go through, strange. I go to get the documentation that I need and this is where is completely falls apart. There is a place where you can download the benefit form that needs to be completed. THE FORM IS BLANK SO YOU CAN NOT HAVE IT FILLED OUT. I have attached the " form '' they provide for your reference. Right from the start, they are trying to make it so you can not use the benefit. Then I call " customer service ''. These people must have had a script and not enough education to read anything except what was on the script. Questions like, " how long will it take for my claim to be reviewed '' got responses like " oh I don't know, I would have to escalate that and someone will call you IN THREE DAYS ''. Questions like, can I get the form emailed to me get responses like, " Yes, we can email it to you but it will take 24-48 hours and check your spam folder because people often don't get it ''. WHY WOULD IT TAKE TWO DAYS TO GET A FORM? The first woman told me a form was mailed to me. Then the second woman, XXXX who is a " supervisor '' but know absolutely no information about anything, told me she had to request it be mailed. So you don't provide the form online. You don't provide it via email or mail unless you specifically request that, without notification you have to do so, then you can't tell the customers if the benefit form will even be reviewed. She couldn't tell me if it would take 3 days, 6 months or 30 years, for the form to be reviewed, this is how clueless she was. All of this is an elaborate program to ensure that people who have bought the insurance can not use it.
Consumer complaint received 2019-02-14
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: CITIBANK, N.A. (IL)

In XXXX of 2018 my Citi AA Advantage card had a fraudulent charge so I was issued a new card with a new account number. From that point on this account no longer reports on my credit file with all 3 bureaus. I have written monthly to Citi including sending credit reports asking that they report. Every month I get a letter stating they are reporting and it will update in 30 days. It never happens. I have 2 authorized users and this account is reporting on their credit files. I am the primary and it does not report on mine. XXXX XXXX told me Citi needs to contact the XXXX XXXX support line so they can walk them through what is wrong on their end. I have requested this but still no results. Please help!
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. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2019-02-12
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: MRS BPO, LLC (MD)

During a credit report check on XX/XX/XXXX for the purpose of purchasing a new home, this account was shown as a collection account for an energy company I used in my last home. I moved from that home, out of state in XXXX of XXXX. The home remained vacant until XX/XX/XXXX. I did not receive any communication from XXXX XXXX XXXX XXXX or MRSBPO at any time to my new address. Once I became aware of this collections account, I immediately contacted them and paid the balance in full. I did not dispute the validity of the debt since I was familiar with the company. I do take full responsibility for this debt and the lateness of it. I did ask the company to delete this collections record from my credit report in good will. For this account of {$180.00} is what is standing between me owning a home and not. They refused to delete the account. Now, my excellent credit has dropped 100 points and I have a Public Record of this account.
Consumer complaint received 2019-02-13
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. (MI)

I currently have my federal loans in borrow defense since XX/XX/XXXX. the XXXX   XXXX/XXXX ones are private loans. this company has closed this account and wrote it off and yet continue to report as delinquent to the credit bureau which brings down my credit. They have used a few collection agency to go through to try and collect money and I sent out a validation letter to the companies and I have dispute it from the credit bureau. The credit bureau nor the collection agency is able to validate any of my information which goes against the FCRA law. I found out that the borrow defense does not apply to federal loans and told me to contact you guys due to borrow defense claims with XXXX XXXX. They just reported it delinquent yesterday XX/XX/XXXX which goes against my letter that I sent. I am very upset with this company. I would recommend NO one to use this company EVER if they need a loan.
Consumer complaint received 2019-02-13
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. (CO)

I am disputing the way Equifax and XXXX XXXX are reporting this account ( XXXX XXXX/XXXX ). This student loan account is an installment account that is being coded as 120 days past due in the scoring algorithm ( I5 ). This is incorrect, please note that the balance is {$0.00} and the past due amount is {$0.00}. How can I be 120 days past due on an account that does not carry a balance? I have disputed this directly to them and they have not changed the coding on this item. It is harming my score and costing me money.
Consumer complaint received 2019-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC (OR)

I asked to file a claim and contact the utility company that charged me {$240.00} for a month that I wasnt even living in the residence and it was the highest amount theyve ever charged. The meter was projected for use not actually read. ( XXXX XXXX XXXX. ) Im filing a claim with the FTC against XXXX XXXX XXXX, but I was told the debt collection company, Contract Callers Inc would report back with my claim before anything went on my credit report. 

That did not happen. 

{$240.00} has brought my credit report down to the mid XXXX.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

According to FCRA section 605b it is illegal to report information on my credit report without my permission. Please remove accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from my credit report. Thank you
Consumer complaint received 2019-02-12
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: Experian Information Solutions Inc. (LA)

I filed a identity theft, report # XXXX  and did a certified mailing to XXXX, XXXX  and Experian. The following items are still showing on my credit report : XXXX XXXX, for {$15000.00} XXXX ( auto loan ) and XXXX XXXX for $ XXXX balance ( credit card ). I also have hard inquires remaining on my credit report. Originally there was 31 inquires and now 9 still remain. ( which are not my inquires and are unauthorized, either verbally or in writing. These inquires are as follows : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX an

d ( 2 ) XXXX XXXX. The FCRA, clearly states that, if I am a victim of identity theft and file the proper report and submit the documentation to the credit ( which I filed the report on a Federal level and will attach a copy of the certified report ). The credit bureaus have 5 business days to remove these items, from my credit file, per the FCRA and it has been two months and the credit bureaus have yet to remove these items as well as these unauthorized inquires. I have submitted two identity theft report, with various items as the items
became known to me and have yet to have these last items addressed. I have been shopping for a home and these items are causing me financial harm, as I am unable to receive a home loan as long as these items remain on m, y credit report.

In addition, I have a credit account from XXXX XXXX XXXX, which was reported to XXXX and as of this date, They have yet to reflect the credit account on my credit report.
Consumer complaint received 2019-02-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

I have reviewed my credit report several times and collection account from Commonwealth Financial continues to reflect negatively on my credit report. I do not recognize this account and if it was a medical debt it should have been covered under my insurance and/or medicaid. I have attempted to resolve this issue several times with the agency but they have failed to validate the debt as accurate and that they have legal right to attempt to collect on this account.I have also attempted to resolve direct with credit bureaus with no resolve.