davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Furnishing private information without my consent. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartially, and a respect for the consumer 's right to privacy '' XXXX, XXXX, and TransUnion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801.

The Consumer reporting agencies XXXX, XXXX, and TransUnion do not have my consent to furnish the information detailed in attachment, and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and TransUnion, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

Under GLBA Consumer reporting agencies are by definition " A Financial institution, '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option by ( Consumer Reporting agencies ) XXXX, XXXX, and Transunion. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' All information unauthorized is considered inaccurate, incomplete, or unverifiable by definition.

I am opting out of the ( Red Lined private information shared without my consent [ see attachments ] ). 
I am also requesting that any and all future information be approved before sharing publicly via email e-signature confirmation.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-11
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. (MI)

After checking my credit report with Equifax, I saw that I have inquiries that I never authorized or gave my consent to. I also have reports from XXXX and XXXX that needed to be deleted off. Equifax violated my consumer rights and the FDCPA as well as the FCRA by furnishing negative information on my report, furnished negative information without my knowledge or consent, kept information on my report for longer than seven years, reported payments that were paid on time as being late. I've sent letters that were received by Equifax but the problems were not corrected.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

Monday, XX/XX/22 I called Black Card - Barclays- and reported suspected fraud involving my card. I was not sure but suspected it strongly enough to put a hold on my credit card and to check what charges had been made. Representative confirmed my last charge was the one I had made previous to the suspected fraud charge. I asked for Barclays to put a hold on my card and to suspect my card number to be used in potential fraud beginning immediately. Representative went through the protocol to get that accomplished ( asked to speak to the primary card holder -spouse- verified last four digits of SSN # and asked what site was suspected of the fraud -XXXX XXXX XXXX ). This representative instructed that my card was on hold immediately and no charges matching my credit card would go through. The very next day, On XX/XX/22, a {$79.00} charge to an XXXX was approved and went through as a charge to my account number on hold. Last XXXX on XX/XX/22, ( approx. XXXX XXXX XXXXXXXX ) I immediately called Barclays 24 hour member representative number on the back of my card ( Not Concierge number as I had done on XX/XX/22 - because it was currently XXXX hours PST ) and XXXX, the representative could not help me in any way because his system was down. 
I asked for a Supervisor to call me back when the system came back up but I have not received a call as of this XXXX  on XX/XX/22. No charges should have gone through on a card I reported potential fraud on a day prior AND went through the Concierge phone number on the back of my card to report it as such! I asked to put a hold on my card ( also checked to make sure the last charge which was made on my charge card was at XXXX XXXX XXXX  XXXX earlier before suspected fraudulent site of XXXX XXXX XXXX ). I am not responsible for the {$79.00} charge from an XXXX on XX/XX/22 ( which was fraud ).
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (IL)

In XXXX of XXXX of purchased a ring from XXXX XXXX. I was going to pay cash they insisted i use credit and received 18 months no interest. Reluctantly i agreed. What a mistake this was! I began automatic payments of XXXX a month This would ensure my ring was paid off prior to the 18months. I purchased a second ring in XXXX of XXXX. 

In XXXX of XXXX  my balance was XXXX, my automatic payment of XXXX came out as scheduled. I didn't realize there would have been a XXXX balance, if I did I certainly would have paid it. My next bill i received was for XXXX! XXXX added the interest of XXXX percent from day one the entire amount of both purchases over a balance of less than XXXX! 

this is how they reward a good paying loyal customer who chose XXXX XXXX  over many other shops! 

i have called them to explain the oversight figuring of course they would take care of this. All that yielded me was a big headache and a waste of 2 hours on the phone with three different people saying they can't help me. this is an unfair business practice. if they were to charge me, they should be charging me on my second purchase not the first that would have been paid in the time frame. But look at the whole picture we are talking a matter of a few weeks and I'm told they won't do anything about it. i completely understand the technicality they are getting me on, it's very clear to me after seeing my new statement and have three people explain it over and over rather than to try and keep a good customer happy and say yes, we will work with you here. I also explained to them that i am unfortunately receiving XXXX and i am having a XXXX XXXX  for XXXX in the next month. No one would help all i got is this is our policy. 

XX/XX/XXXX balance XXXX XX/XX/2022 payment XXXX total balance left would have been XXXX XX/XX/2022 statement interest added to balance XXXX New balance of XXXX! 

I will never shop at this company again and i would strongly advise against it. Not to mention two of the stones fell out of the ring 5 months after owning it.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Company Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Balance {$720.00} On XX/XX/2022 I sent a certified letter to all three credit bureaus ( Experian, XXXX XXXX XXXX XXXX asking for them to do a thorough investigation of everything on my credit report. On XX/XX/2022 Experian stated that everything was accurate, and their investigation is complete. I never received any correspondence from XXXX or XXXX in regard to them researching my credit report. After completing some research on my credit report, I have still found some inaccuracies on my credit report even after their investigation was completed. 

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 a account without my written instructions.
Consumer complaint received 2022-08-11
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. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (GA)

They keep calling every morning waking us up. They asked for someone else we told them they have the wrong number but they continue to harass us told them we have that number for 20 years and there is no such person at this number ( XXXX XXXX XXXX ) we have had it please have them stop we are retired we have no debts.. everything we do is paid for our credit cards are paid each monthits their responsibility to make sure they are contacting the correct person not mine to write them and explain who we are they are relentless in using the phone to irritate us they have the wrong person but dont except our response
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion received a Police Identity Theft Report & an FTC Identity Theft Report XXXX XXXX XXXX to show my Identity was being used against me by the company XXXX XXXX which apparently has connected a Credit Card presented as XXXX. Instead of blocking the thief/scammer from having access to my credit file & credit report, they've IGNORED the Police and FTC Identity Reports completely allowing the thief to continue adding & removing fraudulent information to my account as they please. I received a credit report issued on XX/XX/2023. The File number for the report number is " XXXX '' which shows a XXXX XXXX  # XXXX reporting this account was opened on XX/XX/2023 & closed XX/XX/2023. This reporting is INACCURATE & FALSE. This account has been reported to Transunion using different names, dates of opening, dates of closings, etc. From the way the account has been reported, it appears to have at least 3 different accounts assuming the identity as XXXX ACCOUNT. The account has also been reported to Transunion as XXXX without XXXX XXXX being attached to its name. The SCAMMER/THIEF who works for company refuses to provide any document with my true signature. Also XX/XX/2023, I contacted Transunion because whoever reported this account in my name added an " AKA '' to my Transunion credit file which NEVER had been reported in the history of my Credit File with them. I have constantly disputed with Transunion but they've BLOCKED me & REFUSES to allow me entrance although I have Credit Monitoring to see what's being reported by the scammers. My Credit Monitoring with Transunion will end in XXXX & they've blocked me for the ENTIRE month of XXXX from entering my credit file. Transunion has consistently violated my Consumer Rights by Federal Law because they received Police Report and FTC Identity Theft Report in XX/XX/2023. The thieves are the employees of XXXX XXXX and whoever XXXX is and has reported at least XXXX different accounts using the same account number in a variety of forms. My story doesn't change. This is Fraud & Transunion will be held accountable for not protecting my consumer rights under Federal Law.
Consumer complaint received 2022-08-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC (FL)

I was getting some service with a green sky loan. I did not receive all services, yet they billed for them. They have been on my credit since XXXX. I have tried to dispute the charges. I though it was a loan up to amount. If used. They just billed for max amount. There is a lawsuit on Greensky for this exact problem. I believe I happen to a victim of these inaccuracies other consumers have complained about.
Consumer complaint received 2022-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

After checking my credit report with XXXX, I saw that I have inquiries that I never authorized or gave my consent to. I also have reports from XXXX and XXXX that needed to be deleted off. XXXX violated my consumer rights and the FDCPA as well as the FCRA by furnishing negative information on my report, furnished negative information without my knowledge or consent, kept information on my report for longer than seven years, reported payments that were paid on time as being late. I've sent letters that were received by XXXX but the problems were not corrected.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (AL)

My credit card was charged for XXXX XXXX XXXX on XX/XX/2022 for the amount of {$890.00}. 

I did not authorize this charge, I live in XXXX and have work time cards and video surveillance to prove that I have not left my state during that time or within the past few months. 

I filed a dispute claim on XX/XX/2022 when I noticed the charge and on XX/XX/2022 they sent me a notice saying that I benefited from this charge and will be fully responsible.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC. (MS)

I've been attempting to close the account for months. I have a balance of {$100.00} that I have attempted to have released to my personal banking account. Robinhood responded with message that my funds have been restricted and under review over the next 7-10 days. It's been months now with no change in results.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently purchased a copy of my credit reports, and noticed a few violation 's. Please use this additional letter as confirmation that I hereby am now opting out of any and all authorizations, I the Consumer may have given you written unwritten verbal and nonverbal as per 15 USC 6802. ( TransUnion, XXXX, or XXXX ) ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies TransUnion, XXXX, or XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to TransUnion, XXXX, or XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' For the record on a fourth attempt I am opting out of your reporting services. ( TransUnion, XXXX, or XXXX ) interactive service agreement. Thank you for noting my account
Consumer complaint received 2022-08-11
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-20
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: Experian Information Solutions Inc. (TX)

Experian and XXXX are reporting incorrectly a late payment in XX/XX/2019 on the XXXX/XXXX XXXX account. I never received a statement in the mail so I paid over what I thought was the outstanding balance. Unfortunately, the interest carried over and I was short on the monthly payment by a fraction. I wasnt aware of a late payment until I looked at my most recent credit report and saw there was a late charge. I immediately paid the amount required. However, due to not receiving my statement and not being properly notified of the late payment, I respectfully request that this late payment be removed from my credit report. This incorrect reporting is harming my credit score.
Consumer complaint received 2023-12-28
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (MD)

I have an issue with Concora Credit. I opened a credit card in last summer for purchasing items at XXXX XXXX. Concora Credit is associated with XXXX XXXX. My account number is XXXX. The problem is that Concora Credit keeps charging unreasonable amounts of late fees and interest charges in my account since last XXXX bill. I called Concora Credit 's customer service to resolve this issue. I made a dispute to one of staff members and explained that there is an unauthorized transaction amount of {$25.00} because I lost my credit card. Someone used my credit card to purchase an item at XXXX XXXX on XX/XX/. I have not made any purchase on that day. I could see that unauthorized transaction in my XXXX bill. The transaction number of the item is XXXX. The customer representative promised that she will close the current credit card and remove the unauthorized transaction so that there will be no more additional charges. But the Concora Credit just keeps charging late fee of {$25.00} in XXXX and {$40.00} every month since XXXX bill. In XXXX bill, Concora Credit initiated refund of {$25.00}. However, the company sneakily keeps adding more fees and charges beside. Therefore, the total balance of XXXX bill is {$100.00} because of an item I have not purchased in XXXX. Further, I have not used the credit card at all since I recognized the unauthorized transaction. I should not make any payment for unauthorized items and fees. This is a fraudulent activity from Concora Credit. I will attach all the bills from Concora. Please resolve this unacceptable issue and protect my credit score as soon as possible. Thank you.