davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-20
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. (AZ)

I applied for a XXXX XXXX and XXXX card on XX/XX/XXXX. I was told that I would receive a letter in 7 to 10 business days. When I received the letter I was told to call and verify my information. I called and was told I was approved for {$250.00} for XXXX and {$350.00} XXXX. So then I got a letter asking for a copy of my id, drivers license, and bank statement. I sent in the information Priority Mail which was {$6.00}. I called XXXX XXXX when it was delivered and was given an account number and told that I can go into the store with my social and they would be able to pull up my information. So I took my wife to go get some clothes. Imagine my embarrassment when I was told that the information was still not working. So they gave me a number and I called, XX/XX/XXXX I spoke with a supervisor who told my account was permanently closed because the id and social security were unreadable. But the supervisor advised he would give 45 more days if I could get in a better copy. So I took time out of my day to go down to the social security office and get a brand new social security card. Sent in the information AGAIN priority on XX/XX/XXXX another {$6.00}. Tracked and seen it delivered on XX/XX/XXXX. Called almost every day to commenity since then and was told no information was processed yet to give it a few more days. Give it a few more days. Give it a few more days. Called yesterday XX/XX/XXXX, was told by a supervisor in Idaho that the account was permanently closed back on XX/XX/XXXX and he could not reopen it. NOT ONCE was I told that when I called several times before that. I was told the information was not received. Now these 2 credit cards are reporting to my credit report as closed accounts and SIGNIFICANTLY dropping my credit score because that reflects bad on me. These accounts were never open to begin with so how can they be closed. I am disgusted with this company and extremely disgusted with the customer service I received. I spoke with several people who never told me once that my account was permanently closed. I gave the supervisor last night the tracking number to the information sent on XX/XX/XXXX and he too seen that it was delivered on XX/XX/XXXX. Why it was not processed I am not sure. But I want these 2 credit cards off my report! This is completely ridiculous. And completely unprofessional.
Consumer complaint received 2024-11-08
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. (FL)

I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.
Consumer complaint received 2024-11-08
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)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX 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 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 2024-11-08
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 kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I applied for a XXXX XXXX and XXXX card on XX/XX/XXXX. I was told that I would receive a letter in 7 to 10 business days. When I received the letter I was told to call and verify my information. I called and was told I was approved for {$250.00} for XXXX and {$350.00} XXXX. So then I got a letter asking for a copy of my id, drivers license, and bank statement. I sent in the information Priority Mail which was {$6.00}. I called XXXX XXXX when it was delivered and was given an account number and told that I can go into the store with my social and they would be able to pull up my information. So I took my wife to go get some clothes. Imagine my embarrassment when I was told that the information was still not working. So they gave me a number and I called, XX/XX/XXXX I spoke with a supervisor who told my account was permanently closed because the id and social security were unreadable. But the supervisor advised he would give 45 more days if I could get in a better copy. So I took time out of my day to go down to the social security office and get a brand new social security card. Sent in the information AGAIN priority on XX/XX/XXXX another {$6.00}. Tracked and seen it delivered on XX/XX/XXXX. Called almost every day to commenity since then and was told no information was processed yet to give it a few more days. Give it a few more days. Give it a few more days. Called yesterday XX/XX/XXXX, was told by a supervisor in Idaho that the account was permanently closed back on XX/XX/XXXX and he could not reopen it. NOT ONCE was I told that when I called several times before that. I was told the information was not received. Now these 2 credit cards are reporting to my credit report as closed accounts and SIGNIFICANTLY dropping my credit score because that reflects bad on me. These accounts were never open to begin with so how can they be closed. I am disgusted with this company and extremely disgusted with the customer service I received. I spoke with several people who never told me once that my account was permanently closed. I gave the supervisor last night the tracking number to the information sent on XX/XX/XXXX and he too seen that it was delivered on XX/XX/XXXX. Why it was not processed I am not sure. But I want these 2 credit cards off my report! This is completely ridiculous. And completely unprofessional.
Consumer complaint received 2017-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Customer service would not help and take care of the negative inquiries reporting to my credit report. I only applied at XXXX company and I have several on my credit report. <P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-11-08
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. (PA)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (AZ)

Sometime in XX/XX/XXXX and in XX/XX/XXXX, I signed up with XXXX XXXX XXXX  to begin improving my credit for {$100.00} per month. They stated they would do so by filing disputes with creditors and credit agencies. I asked both times if the disputes would have any negative impact on my credit and was told they do not hit credit will not damage my credit. On XX/XX/XXXX I submitted an application for a pre-qualification for a home loan. The mortgage broker explained to me that the disputes were holding me back from being able to get a home loan and keeping my score lower. After speaking with XXXX XXXX of XXXX XXXX in the XXXX office she told me she has known since the beginning of her employment 1.5 years ago that the disputes, in fact, were impacting customers ' ability to obtain home loans. This means XXXX XXXX has been withholding that information from their customers thus influencing our decision to work with them. I don't think it's going out on a limb believing that other manager level team members at XXXX XXXX knew this information even before XXXX began her employment
Consumer complaint received 2018-03-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Services Inc. (TX)

I did not recieve proper notification of this bill. I was not given the opportunity to dispute this bill prior to it hitting my credit report. Is this credit company licensed in my state to collect a debt that was not verified? I would like the account removed and given the opportunity to properly dispute rhis bill. I want the account remove from all three of my credit reports immediately.
Consumer complaint received 2024-11-08
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)

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 XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX 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 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 ite
m 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 2024-10-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

The local branch in my neighborhood does not produce the same outcome as the branch near my workplace in the downtown area. The court granted a monthly payment of {$650.00} from a guardianship acct in which I have to physically go into the branch each month to request the hold release to receive the monthly payment. Apparently when i visited the branch in my neighborhood Im told that the hold release request was sent and it should take 2-3 days for the funds to be released and someone will call me once its approved. Ive waited more than 2-3 days I actually waited 7 days and never received a call or follow up. But when I visit the branch in the downtown area the request is sent and Im told someone will call. Well I actually get a call within 2 hours of requesting the release and the funds are then available same day. I have brung this matter to my neighbor branch and even spoke with a manager but no one seems to understand why theres differential treatment at each branch.
Consumer complaint received 2018-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NY)

Because of lost income, I notified my credit card providers in XX/XX/XXXX that I was no longer able to make monthly minimum payments and asked them to reduce the amount due until I can get back on my feet. One of them, XXXX XXXX, immediately worked out with me a plan to reduce the amount and lower the interest rate in the interim. 

But Citi XXXX MasterCard declined to working out a plan with me. I told the bank that all I would be able to pay via online payments is {$100.00} a month in order to keep the account open which I have been doing. 

But, not only am I accruing monthly fees by the bank 's refusal to work out a plan with me as XXXX did but I am receiving on a daily basis anywhere from 4 to 6 robo annoying calls which is a total violation of my rights. 

I want Citibank to work with me during this personal financial crisis and stop harassing me.
Consumer complaint received 2018-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (GA)

On XX/XX/XXXX i made a payment of {$2700.00} to my Barclay master card which was the balance due at the time ... on XX/XX/XXXX the funds were deducted from my bank account and i received an email from Barclay stating my payment have been received. On today XX/XX/XXXX i checked my account online to find out the payment has not been credited to my account and that there was a hold on my payment. I called the customer service # and the automotive system acknowledged the payment but also reflect that the available credit does not reflect that payment being applied. I spoke to rep XXXX ( said couldn't give last name ) but his employee ID # is XXXX advised me that there was a hold on my payment and said it wouldn't be lifted until XX/XX/XXXX or XX/XX/XXXX. I asked XXXX the reason for the payment hold his response was because it was an unusual amount and it was also based on the method of payment and my bank is the one that issued the hold. I asked XXXX why would my bank issue a hold when they have already released the funds and never contacted me to confirm the transaction. I offered to fax over my bank statement showing the funds have actually cleared ( not pending ). He stated it would still not be resolved until XX/XX/XXXX or XX/XX/XXXX. I pay the same way every using the same account so it shouldn't have been an issue with my bank. I then questioned the response he made about the method that was used i advised him that Barclay uses ACH so they wouldn't have gotten the money if the funds weren't available. He then responded that the hold would not be released until XX/XX/XXXX or XX/XX/XXXXand if that was ok ( he was trying to get me off the phone at that point ) I told him no and asked would this have been a problem if i wouldn't have paid off the statement and why was it a problem for me to pay what was owed. He then stated he would try to see if he could have the hold removed now and placed me on hold. Once he came back to the line he stated he was able to have the hold removed and i will see the credit on my account by XX/XX/XXXX by XXXX est.
Consumer complaint received 2018-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (LA)

I was behind on a payment on my best buy credit card by less than 30 days I made a payment of {$200.00} on XX/XX/XXXX then on XX/XX/XXXX I paid the balance off of {$560.00} on XX/XX/XXXX I received a email telling me that my account was closed on XX/XX/XXXX. I called Best Buy Credit Card services and spoke with an agent who informed me that I needed to contact XXXX  about my account being closed, upon contacting XXXX the agent went over my credit history and he was not even showing payments to Best Buy Credit he informed me to call Best Buy back as they do not make any decision on my account. I called Best Buy Credit back spoke with an agent she informed me that their decision was final and could not be overturned but I could apply again for credit, I told the agent that I made a payment to bring my account current then a week later I paid off the balance she again said it was nothing they could do, prior to this I had never been late with a payment with them I do not understand as to why my account was closed, so I ask to speak to someone above her she said ok but they will not be able to do anything either once an account is closed all you can do is reapply, the Supervisor comes on the phone and said a decision was made and that no one could reopen the account I could reapply again. Please help me as this is affecting my credit.
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MS)

I notified by written letter from XXXX XXXX, ( Senior Specialist ) of XXXX XXXX that the Lowes account was not mine and that they was the ones that add me as an authorize user, and that I will be refund {$1800.00} for payments made after the XXXX of the card holder and after many fail attempts phone calls I contacted ( XXXX XXXX on XX/XX/XXXX at XXXX XXXX. ) now am being told I have to show proof of payments. When stated in the letter on XX/XX/XXXX that {$1800.00} was made after his XXXX. In which I fax all these proof of documents over to CFPB on XX/XX/XXXX.
Consumer complaint received 2018-03-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (DE)

There is a {$590.00} collection account from XX/XX/XXXX on my Experian credit report. I have disputed this multiple times, and it still remains. XXXX XXXX XXXX is the collection agency, and XXXX XXXX is the original account. 
When XXXX came to my door in XXXX, XXXX XXXX promised lower distribution rates than XXXX for electric, so I signed up. After months of being over-billed dramatically, I called to cancel and be refunded and XXXX refused. 
They did not hold true to their promises. Recently, upon my investigation, I found there is a class action settlement against XXXX XXXX for services provided from XX/XX/XXXX through XX/XX/XXXX for OVERCHARGING CUSTOMERS. I am a part of this settlement. I should have never been overcharged. XXXX charged me a total of {$890.00} ADDITIONAL on my electric bill from billing periods XX/XX/XXXX through XX/XX/XXXX. Of this, {$590.00} was unpaid once I caught on. 
I have called Experian and a new dispute was opened since I discovered the class action settlement. Per the results, XXXX XXXX XXXX validated the collection amount and stated it will NOT come off my credit report. 
I have contacted XXXX XXXX XXXX 2 weeks ago, and they stated there is nothing they can do. 
I have attached all XXXX bills which include over charges for XXXX XXXX. I have also attached my current Experian credit report, and the dispute results. 
**Any and ALL information can be found at XXXX XXXX XXXX regarding the class action settlement.
Consumer complaint received 2024-11-08
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. (NC)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX