davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently filed a complaint against Transunion, requesting employer : XXXX XXXX to be removed from my credit report due it being reported incorrectly. XXXX XXXX XXXX Transunion responded by removing the wrong employer from my credit report. 

Please review my complaint below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute of Inaccurate Personal Information ( Employer ) Dear TransUnion Consumer Relations, I am writing to dispute certain inaccurate information in my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). My credit report contains incorrect personal information that needs to be corrected. 
The inaccurate information includes : XXXX XXXX XXXX XXXX XXXX XXXX please remove ) Under the FCRA, specifically Section 611 ( 15 U.S.C. 1681i ), I am entitled to dispute inaccurate or incomplete information in my credit report. Additionally, entities that furnish information to the credit reporting agencies are required under Section 623 ( 15 U.S.C. 1681s-2 ) to provide accurate information and correct any inaccuracies. I have enclosed copies of documents that confirm my identity. Please investigate these matters and correct the inaccurate information as soon as possible. Enclosures : Driver 's license with the correct address Copy of a utility bill, bank statement and auto insurance Please confirm in writing that these corrections have been made and provide me with an updated copy of my credit report. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2017-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (IL)

I signed up for a credit card through Frontier Airlines in XXXX 2017 while on a flight from XXXX XXXX to XXXX. Their stewardesses were promoting 2 free trips anywhere in the US with a single purchase on the card of any dollar amount, or a single international round trip ticket. I made a purchase on the card and received XXXX miles. I am unable to redeem the miles given for the 2 free trips. There are only select cities and dates that apply. The stewardesses outright said there would be no restrictions on the promotion. I was lied to and I would not have signed up for the card if I knew there would be restrictions.
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

On X/XX/17 I sent them a certified/return receipt letter to validate this debt with my signature. They received and signed for my letter on X/XX/17. On X/XX/17 they responded with a letter dated X/XX/17 stating they verified and are reporting my account accurately to the credit bureaus ( attached ). Account number in question is XXXX. On X/XX/17 I sent out my next letter which was 31 days after they signed for my 1st letter. This 2nd letter was received and signed for on X/XX/17. I received a 2nd letter from them on X/XX/17 dated X/XX/17 ( attached ). Both of their responses were the exact same letter. I pulled my credit reports with all credit bureaus on the day they signed for my 1st letter and the 31st day after they signed for them and they had not placed a notice of dispute in comments on any of my reports and they did not send my proof of validation, only verification, which are different. They have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Consumer complaint received 2015-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had an account with XXXX XXXX XXXX, Account # XXXX. This account is paid in full with a XXXX balance. Transunion has been contacted several times with documents provided such as a letter from the company and my cancelled check to no avail, since XXXX/XXXX/2015. Due to the length of time involved, Transunion should delete the record in it 's entirety under the guidelines of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I've been trying to understand why my credit applications keep getting turned down, and I was shocked to find out that my credit report contains numerous inaccuracies and false information. Dealing with these errors has been incredibly stressful and has had a significant impact on my mental well-being.
Consumer complaint received 2017-07-31
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. (TX)

Applied for a credit card with XXXX XXXX XXXX on XX/XX/XXXX and was denied. A few days ago I sent an email to the executive office asking for my application to be reconsidered. Today I received a call from a gentleman called XXXX. He said they would review my application again. I was asked to verified some of the financial information I had provided during the application and I did. XXXX said to hold for a few minutes while he took a look at the application. Immediately I received an alert from Experian that my credit file had been accessed. Once XXXX came back to the line I asked why he pulled my Experian report and his response was " because once it has been more than 30 days from the original application we need a new report. '' Neither him or XXXX XXXX XXXX had my consent to access my report. I was never asked for permission and I never verbally agreed to it. Application ID XXXX.
Consumer complaint received 2016-08-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AZ)

I had an agreement with this company to be on a hardship program. Part of this program I was allowed to make smaller payments for a certain amount of time. This company took money from my checking. This was to help me to get me back on my feet and not to damage or impact my credit.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

Dear XXXX, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX  FINCL According to my records, a late payment was reported for my account number XXXX in XXXX 2022 XXXX XXXX, equifax XX/XX/year> This information is incorrect and negatively affects my credit score. I have att empted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XXXX 2022 XXXX XXXX, XX/XX/year> equifax late payment from my credit report. I further request that you notify the credit bureaus ( Equifax, XXXX and XXXX ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (PA)

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX these are unauthorized and its affecting me getting credit i never applied for anything
Consumer complaint received 2017-07-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc (FL)

Upon further investigation, I have retained new copies of my credit reports, and noticed that they did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/X/17. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Consumer complaint received 2017-09-08
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: Experian Information Solutions Inc. (NC)

XXXX credit reporting agency have inquiries on my report i did n't authorized.
here are the unauthorized inquiries XXXX XX/XX/XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX-XX/XX/XXXX & XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Back on XX/XX/XXXX my mortgage was in the process of foreclosure, however during negotiations thru my attorney and XXXX XXXX XXXX 's attorney a resolution was reached to pay the back charges due and resume normal activity with mortgage, with no foreclosure and we remained in the home. This was completed sometime in XX/XX/XXXX. So for 6 years I have since made all payments as requested and per monthly statements I receive. Tax 's and XXXX is up to date. The last reporting date on my credit bureau, shows XX/XX/XXXX, and shows current under " payment status ''. But " account status '' shows " closed '', when the balance is XXXX from XXXX when this was worked out through XXXX XXXX XXXX, so balance as dropped as shown, I am not being given credit on bureau since XX/XX/XXXX, and this reports on Equifax and XXXX XXXX. I have called many times but can not get this resolved, and always have to speak to a automated person, or be transferred to someone else who can not help me, except they say " it takes time for updating '' Really? its XX/XX/XXXX, a year and half, since they lest reported. I am not sure why it stopped reporting, as it was reporting current payment but with a closed account?!? I am confused, and need this corrected.
Consumer complaint received 2024-08-28
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. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2015-08-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NY)

I AM FED UP WITH WELLS FARGO. THEIR BANK FEES ARE HONOROUS. I HAD APPROX XXXX IN MY ACCOUNT AND XXXX WAS PULLED FROM MY ACCT BY IRS DUE TO A PAYMENT PLAN. FOR MOST MONTHS, MY PAYMENT HAD BEEN XXXX AND I WAS NOT ANTICIPATING XXXX. I PUT XXXX IN MY ACCT THROUGH A TRANSFER WHICH IS POSTED A DAY LATER THAN IT SHOULD BALTHOUGH ITS FROM MY ACCT. TODAY I DEPOSITED ANOTHER XXXX. FROM MY PONT OF VIEW, I HAD XXXX DOLLARS POSTED TO MY ACCOUNT WHICH WAS TO COVER XXXX. BECAUSE OF THE XXXX LATE FEE, I GOT ANOTHER LATE FEE WHEN THE XXXX POSTED. THEREFORE IN 3 DAYS WELLS FARGO COLLECTED XXXX DOLLARS IN OVER DRAFT FEES FROM SOMEONE WHO IS STRUGGLING FINANCIALLY. I HADXXXX IN BILLS AND I AM STILL XXXX IN MY ACCOUNT. I HAD XXXX ADDED TO THIS ACCT AND XXXX BILLS AND I AM STILL XXXX. DOES NOT MAKE SENSE. 
ALSO, I GET XXXX FEES FOR TAKING MONEY FROM MY OWN ACCT TO COVER IN MY IN A CHECKING ACCT SO IT WO N'T BE AN OVERDRAFT.!! 
WITHIN 5 DAYS I MUST HAVE ABOUT XXXX DOLLARS IN BANK FEES. IF I HAD THE MONEY, I WOULD NOT HAVE AN ISSUE. I FEEL THEY ARE PENALIZING POOR PEOPLE.!!!!!
Consumer complaint received 2016-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (TX)

Noticed this collection showed up on my credit report end of XXXX. It 's not mine and is a part of my ID theft case. They refuse to remove this. PLease help. Thank you
Consumer complaint received 2017-07-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Prince Parker & Associates (RI)

Received multiple calls and one voicemail. In the voicemail the person calling failed to meaningfully disclose the caller 's identity and to disclose that all communications were from a debt collector trying to collect a debt. I found out that the caller was a debt collector by XXXX their contact information, and found the following page, which prompted me to file this report : XXXX XXXX XXXX
Consumer complaint received 2016-10-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Pressler & Pressler, LLP (NJ)

I have been paying Pressler and Pressler faithfully every month on a debt that was originally around {$2300.00}. The balance is now around {$1000.00}. This morning XXXX/XXXX/XXXX, I received a phone call from one of their representatives, telling me that I could avoid future legal action by entering into a formal payment agreement. They have a default judgment against me, have already wiped out my bank account. I am paying them and they are STILL threatening more legal action. The original debt was a cable bill that dates back to XX/XX/XXXX. Before they got the default judgment, I contacted them and asked who the creditor was. They refused to tell me. Who in their right mind would send money to a post office box after receiving a rubber stamped, computer generated letter from someone who refuse to tell you who you owed? This is a scam. I need answers. I ca n't enter into any sort of agreement with another party that has already shown that their word is no good, consequently they are threatening more legal action.
Consumer complaint received 2017-08-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

XXXX XXXX XXXX XXXX of XXXX, Virginia attempted to confiscate my Federal Student loans which were twice the amount that was owed originally. The account doubled in two to three months. This was in XX/XX/XXXX. They won a judgement against me in XX/XX/XXXX by misinforming me why my account originally went to collections. This led to them drawing from my checking account for roughly the amount I told them I would be receiving in financial aid and right when I told them I would begin to receive it. XXXX also set up a date for a settlement that I did not agree to, then sent me a letter saying I missed the payment followed by filling for a judgement. I have n't had any communication from them in three years.When I went to refinance my house in XX/XX/XXXX, they showed up and say that I owe them XXXX XXXX dollars in interest on a loan that was roughly XXXX dollars. Through garnishments, they have collected nearly 11 thousand dollars. The garnishments stopped in XX/XX/XXXX. The damage caused by this company has endured for close to a decade creating health issues and financial hardships. Not to mention physical damage to my house while they were garnishing my wages in the middle of winter and the heat went out. XXXX refuses to negotiate a reasonable settlement and keeps demanding paperwork that no longer exists for my home refinance that is no longer going to happen. It took 3 years for them to provide paperwork related to the account as to why it went to collections. Upon review of the details, it showed that I was charged for a month when I did not have a payment due because of a promotion through the creditor. I pointed this out to XXXX XXXX XXXX and they refused to do anything about it with the exception of one representative that looked into the notes and acknowledged that I was under the promotion when I was charged a payment. They continue to do nothing about it. All I seem to get from them is " Shut up, pay us. ''
Consumer complaint received 2017-01-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

ssue Unable to get my credit report or credit score : Problem getting my report or credit score Describe what happened so we can understand the issue ... 
I have been verbally told and using tools through the XXXX credit bureaus websites informed that there is no block on my credit reports. However XXXX has closed my mortgage loan modification file due to their alledged attempts to obtain my credit report and said report being " locked. '' The credit bureaus refuse to provide anything in writing stating that my credit reports are not blocked. XXXX refuses to reopen my mortgage loan modification application package and my home will now be forced into foreclosure.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NJ)

To Whom it May Concern, I took out two private student loan accounts during XXXX school with Citibank. These two accounts were in deferment during my XXXX XXXX. In XX/XX/XXXX of my XXXX XXXX year, I was contacted and told that these accounts could no longer be in deferment because XXXX XXXX to specialize in the field of XXXX XXXX is considered " voluntary training '' - the option for deferment no longer applies. At the time, I was unable to make the payment on these loans as I was making less in salary than what was owed per month on the loans. As a result, the loans were sent to collections with the company XXXX XXXX. On completion of my training, I contacted XXXX XXXX and settled the two accounts on XXXX XXXX, 2017. I was told that these accounts were now paid and closed and that they would be reported as such to the credit bureaus. The first account was in the amount of {$36.00}, XXXX and settled at {$19000.00}. The second account was in the amount of {$35.00}, XXXX and settled at {$18000.00}. I have proof of payment letters from XXXX XXXX dated XXXX XXXX, 2017. I contacted Citibank on numerous occasions to attempt to have these loans removed from the delinquent status. After many attempts and many hours of being transferred from department to department and being told that Citibank can not find me in their system by either my SSN, name, date of birth or the Citibank account numbers, was able to find a gentleman by the name of XXXX at number XXXX who confirmed that the accounts show as XXXX balance and closed. I asked for a letter stating such and he said he was unable to give out that information. He was also unable to explain why it was still being reported as delinquent and in collections to the credit bureaus. I was asked to send letters of proof of payment as well as a copy of the credit report that shows the accounts as still in collections. I sent these immediately by fax as I was told there is no electronic option at this time. I had to send the fax several times as they were not being received on Citibank 's end. This was over a week ago and I have still been unable to get an answer as to why these loans are being reported as delinquent or to get a letter stating that the accounts are paid and closed for my mortgage company. My husband and I are currently in the process of applying for a mortgage and these two accounts are the only issue on my credit report. They are dropping my score by at least XXXX points. At this point, I have spent tens of thousands of dollars to pay these loans and have disputed them several times. I have even hired a company, XXXX XXXX XXXX, to assist me in disputing these loans that are PAID and it has been to no avail. Citibank is still reporting these loans as open, delinquent and in collections. They are affecting my ability to purchase a home for my family.
Consumer complaint received 2016-07-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd (TX)

I was in a XXXX in XXXX of 2012. During my whole ordeal I was told multiple time by Hospital financial counselors not to mention the fact that I had active medical Insurance. Since it was a car accident the insurance companies for the parties involved would cover the cost. In the mean time I was out of work for two months so I hired a lawyer, I received multiple bills at self-pay rates from the hospitals, doctors, ambulance company and once it was all said and done the parties involved ended up not having any type of insurance. At that point my Medical insurance ended up paying a lump sum to all the companies involved and I never received any further noticed of late payments, attempts to collect, or notices of accounts being turned to collections from XXXX XXXX. Now I have a very expensive collection on my credit report due to their lack of communication.