davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
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. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-02-10
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. (MO)

Your business partner XXXX XXXX credit card is reporting an inaccurate balance on my credit report, violating my rights under the fair credit reporting act. And negatively impacting me getting credit for future needs.
Consumer complaint received 2023-02-10
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. (GA)

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( 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.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2023-02-10
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: Bread Financial Holdings, Inc. (OH)

I contacted XXXX XXXX XX/XX/XXXX stating that a card was opened fraudulently in New Jersey but I live in Ohio. I gave them my police report. It was under investigation until XX/XX/XXXX to which they informed me that they are still holding me liable for this card as well as the charge of {$640.00}. I am appalled that the credit card company does not have the resources to review the case further and realize that it is geographically impossible for me to open a card in New Jersey if I live in Ohio.
Consumer complaint received 2023-02-10
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. (DC)

This is regarding my student loans amounts : {$5600.00} - {$8900.00} - {$5700.00} - {$9100.00} .. these loans are reporting incorrectly on my credit report. 
i paid off these loans a while back but they are still appearing on my credit report. Please take them off my credit report immediately. 

thank you
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE (TX)

XX/XX/XXXX I noticed a hard inquiry on my credit report for a credit card application from Barclays Bank Delaware. I had not sent an application and promptly contacted Barclays bank that day. I was told I had made this application but I was able to prove I had not. Barclays agreed it was fraud and they would cancel the application and mark as fraud. I heard nothing until XX/XX/2023 I received a letter from Barclays Card services wanting more information for my Frontier Airlines Mastercard. I again contacted Barclays who said they have no record of this application, I read the application # XXXX to them which they accepted and said that application was cancelled. I informed I had a hard inquiry from them on my credit report that was identified as fraud and needed this inquiry removed from my credit history. I was told this was my responsibility and I could sent documentation to initiate a investigation. They had in their record that the app was fraud but insisted my credit report was my responsibility and all they could do was investigate to determine status. I need inquiry removed from credit report.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (CA)

It is about a fraudulent charge using my information. I did not open any account with TD bank. I just found this charge when I was applying for a loan last month. So I called TD bank and informed them about this charge under my name in error. I was transferred to the fraud, department, then to their recovery department, then back to credit card services, then they transferred me to XXXX. Each time that TD Bank transfer me it takes about 30 min or more to wait. So I have been spending at least hours to get them and talk to the. TD bank has been reporting me as delinquent since XXXX so I can not get a good interest rate and it is impacting me financially. 

I called them again later part of XXXX and after so many transfers and waiting on the phone, they told me write a complaint and mail it. A copy of which in enclosed. 

I called them again today XXXXand after so many transfers and waiting, I was told call the credit bureaus
Consumer complaint received 2023-02-13
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: Experian Information Solutions Inc. (NV)

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 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2023-02-10
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 acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXXXXXX XXXX, and transunion did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family, not being able to pass a background check for employment, funding my business and this has created great hardship for me and me family as mentioned. 

I attach my previous credit report and my new credit report to show how XXXX, TransUnion has violated my rights. 

TransUnion has refused
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within XXXX  days of dispute. XXXX XXXX ACCT # XXXX, This is an inaccurate account and needs to be DELETED from my credit report as soon as possible. 

I have supporting documents stating this COLLECTION WAS TRANSFERRED TO XXXX XXXX  XXXX, AND XXXX XXXX DELETED THIS COLLECTION OFF MY REPORT. HOWEVER, IT STILL SHOWS XXXX  XXXX ON MY CREDIT REPORT. Section 604 15 US Code 1681 B states nothing should be reporting on my report without my written consent! This is another violation. I have attached documentation as from the fraudulent collection response STATING TO HAVE THIS DELETED!
Consumer complaint received 2019-01-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (VA)

I paid my monthly due amount to JC Penney, inside the store in XX/XX/2018. They advised me in XXXX that they did not receive my payment. I sent them a copy of my cancelled check which showed that they did receive the payment. The letter was sent on XX/XX/2018 to the headquarter office of JC Penney, customer service and headquarters of Synchrony Bank. The information was to the address on the statement. I received my statement today, which showed another late fee and a larger payment due. I called Synchrony Bank and they said that they never received my letter. I am suspicious that all 3 did not receive my letter as I have not heard from any of them. My letter is below.
Consumer complaint received 2023-02-10
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. (OR)

XX/XX/2023 at approximately XXXXXXXX PST, I received an email from Experian about a change to my account. It stated that a vehicle was added and that this was NOT a marketing email. I logged into the Experian dashboard which led me to the " XXXX '' products section and confirmed a XXXX was added to my account. I clicked the " manage '' button to remove the vehicle. 

I called support the next day ( today, XX/XX/2023 at XXXXXXXX PST ) and asked why that was added to my account ( worried it was fraud ). Support told me it was just a marketing email, however, the email specifically says its NOT a marketing email but an actual account change. Support refused to help me remove it on their alerts system and said " someone will contact you about it but there is no ETA ''. I asked to speak to the dispute department where I was next transferred to. 

Dispute department said since it's auto related, they can't help and only member services can. So she routed me back to the member services team. Member services said it was a new product that experian was promoting by trying to alert certain customers, so that they can generate product costs and see if we were ultimately interested. I asked why they would intentionally and unlawfully add a vehicle to my account and claim its a marketing email, when the email specifically states its not marketing. She had no response and said they would try to remove the car from my alerts and account. 

Experian is intentionally manipulating and adding false information to my account in order to trick me into buying products from them and claiming its not actually happening ( gaslighting ). This is absolutely unacceptable on top of illegal and I believe they are sharing my info to third party businesses to rope me into their unethical and illegal sale tactics. Please help
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (MS)

I placed calls to XXXX XXXX and Equifax trying to obtain help in removing certain inquiries that I had not authorized. The unwillingness to assist in removing bad or erroneous information by the staff members was nothing short of deplorable. Also, these hard inquiries have caused damage to my being able to obtain certain things.
Consumer complaint received 2023-02-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I had a mortgage through Wells fargo that I had in the early XXXX 's, when the economic downturn happend in XXXX I called Wells fargo to try to modify my loan to keep my home, they advised me that I had to miss mortgage payments before they would look into a modification for me, I followed their advise and over the next year or more I would continue to contact them and try to work on a modification, they continually denied me becasue I was and still am a commissioned employee same job as when I secured the loan, thei went on for some years, finally in XXXX I was able to short sale the house but for all those years of working with Wells fargo I lost enormous amounts of money including my original XXXX down payment, affects to my credit, affects to my marriage, losing my home, and draining my savings. I thought I would be included in the class action lawsuits that came about recently with Wells fargo specifically named, I called them to confirm and they said I was not included in it. I feel like my situation was exactly what those lawsuits were about, Wells fargo advised me to act and I did what they said, constantly sending them documentation, and being constantly denied in the process. Please let me know if there is any guidance or information I can do to have this wrong righted.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (CA)

Between XX/XX/XXXX and XX/XX/XXXX I made a total of ten payments to two different TD Bank credit cards from my XXXX XXXX XXXX  account. The money came out of my account, but was never credited to either TD Bank credit card. 

I have contacted both XXXX XXXX XXXX and TD Bank Card Services multiple times. XXXX XXXX XXXX explained to me that the electronic transfers came out of my account and gave me proof of the electronic payment made to TD Bank. TD Bank Card Services has been extremely difficult to deal with, and seems to have no record of any of these payments. Additionally, I have to explain the entire situation to a new person every time I get on the phone. On XX/XX/XXXX, after hours on the phone with TD Card Services, a representative asked me to send a paper letter with the print outs of the proof of electronic payment. I did so on XX/XX/XXXX When I followed up by phone multiple times, no one seemed to know what I was talking about. 

The total amount I have paid to TD Bank credit cards, for which I have proof of electronic payment, is {$2200.00}. 

Here are the dates and amounts of the missing payments : XX/XX/XXXX for {$280.00} to the account ending in XXXX XX/XX/XXXX for {$72.00} to the account ending in XXXX XX/XX/XXXX for {$280.00} to the account ending in XXXX XX/XX/XXXX for {$72.00} to the account ending in XXXX XX/XX/XXXX for {$280.00} to the account ending in XXXX XX/XX/XXXX for {$72.00} to the account ending in XXXX XX/XX/XXXX for {$280.00} to the account ending in XXXX XX/XX/XXXX for {$530.00} to the account ending in XXXX XX/XX/XXXX for {$72.00} to the account ending in XXXX XX/XX/XXXX for {$280.00} to the account ending in XXXX This money that has come out of my bank account, but not been credited to my TD Bank credit cards, has been accruing interest for almost two years. Additionally, I have wanted to pay off both credit cards in full, but I have been unable to because I don't know exactly how much I owe due to the fact that 10 payments were uncredited.
Consumer complaint received 2024-10-30
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. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-02-10
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. (NJ)

XXXX XXXX XXXX is reporting a debt on my account for a collection that is inaccurate. It also has incorrect information reporting. The amount is {$2600.00}. In 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Account # XXXX
Consumer complaint received 2023-02-10
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. (NJ)

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


Accounts : XXXX XXXX XXXX. 
XXXX : XXXX. XXXX, 2021 XXXX XXXX, Old ( XXXX ) XXXX XXXX XXXX OF XXXX XXXX : XXXX. XXXX, 2021 XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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.