davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
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. (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 1

5 USC 1681. 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 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I am writing to dispute the following information in my file. I recently received a copy of my  XXXX   XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     Under the Fair Credit Reporting A ct, 15 U.S.C. 1681g I  have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.     If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under  Sectio  n 611 ( a ) ( 5 ) (   A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing th em to 3rd parties you a re damaging my reputation and credit worthiness.     Under the FC RA 15 U.S.C. 1681i, all unverif ied accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.     Please provide me with a copy of an updated and corrected credit report showing these items removed.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  XXXX   XXXX   XXXX   XXXX  Order The following credit inquiries are related to none of the aforementioned permissible  XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX ,  XXXX  A.    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   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   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 2024-10-28
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. (NM)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX La XXXX XXXX XXXX XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX, XXXX XXXX XXXX, XXXX XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX
Consumer complaint received 2018-12-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (NE)

Took a {$400.00} loan out with Blue Trust Loans. It was explained what the payment plan was to pay off this amount. No explanation of interest amount was shared with me. Only thing explained was that a payment of {$75.00} would be my first payment and 6 additional payments of {$100.00} would be taken out of my bank account. After the XXXX full payment is made, the loan would be paid in full. I spoke with a representative of Blue Trust Loans tonight, XX/XX/18 and was informed I still have 6 more months of bi-weekly payments of {$100.00}. I explained to the gentleman that they did not fully explain that I would be paying over 400 % interest on a {$400.00} loan. There is no way possible I would take a loan out with interest that outrageous. The dates they have received payments are as follows : XX/XX/18 - depositedv {$400.00}, XX/XX/18 - withdrew {$75.00}, XX/XX/18 - {$100.00}, XX/XX/18 - {$100.00}, XX/XX/18 - {$100.00}, XX/XX/18 - {$100.00}, XX/XX/18 - {$100.00}. Again, all they ever explained to me was the 1st payment of {$75.00} and 6 additional payments of {$100.00} and then the loan would be paid in full. I feel I am a victim of fraud by this company. If, at all possible, help me resolve this issue, as I feel I should not have to pay the outrageous interest they are charging me. I have already half the amount in interest on my {$400.00} loan and feel that is adequate.
Consumer complaint received 2017-04-24
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. (FL)

Equifax continues to report the following, after receiving police reports, notarized disputes, and everything required for removal for the illegal accounts ) : The illegal, fraudulent accounts are :   XXXX   XXXX   XXXX   XXXX   The illegal, fraudulent inquiries that are not covered by fair use are :    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  , &   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   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  ,   XXXX   XXXX     XXXX   XXXX   XXXX   &   XXXX   XXXX   XXXX
Consumer complaint received 2024-10-27
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. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

I called Comenity bank New york and company and gave them the opportunity to correct an error. I spoke to  XXXX  and she refused to remove a late payment that was recently reported for late payment in  XXXX    XXXX  . This is a violation of the  XXXX  bankruptcy code and my right under FCRA.
Consumer complaint received 2016-08-26
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (KS)

I paid my credit card bill in full before the due date ( XXXX statement ) and now the credit company is charging me interest ( XXXX statement ). They said they continue to charge interest until they receive the payment even though I paid the account in full by the due date.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX XXXX date opened XXXX Acct. XXXX, XXXX XXXX XXXX date opened XXXX Acct. XXXX, XXXX XXXX date opened XXXX Acct. XXXX, XXXX  XXXX date opened XXXX, Acct. XXXX. Inquiries : XXXX, XXXX XXXX, XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2016-08-25
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (TX)

I have applied and approved for the American express credit card on XXXX XXXX with an offer of XXXX membership points once spend {$3000.00} in 90 days. 
By XXXX XXXX, I was able to spend the required amount of {$3000.00} and received the conformation email from American express saying I 'm qualified for the XXXX membership bonus points. I was continued to use the Amex Platinum credit card and spent {$4400.00} in 90 days including the annual fee. According to the card benefits I received {$200.00} airline credits for my travel expenditure during 90 days. I had to cancel one of my hotel reservation and return some merchandise totaling {$210.00}. Buy removing annual fee, airline credit and refunds I have spend {$3600.00} within 90 days. ( see the attachment ) During this period I received XXXX points for my qualified expenditure. ( XXXX bonus points and XXXX points for the expenditures ) Then on XXXX XXXX, after the period for earning under the bonus was over, Amex removed XXXX points from my account without any notification. I contacted Amex on XXXX XXXX and open a case about the matter and then contacted them again on XXXX. Then the customer representative told me I loose the XXXX point bonus because of the return merchandise. As she mentioned after the refunds total expenditure should lower than {$3000.00} to remove the bonus from the account and she could n't find anything wrong in my expenses. As I explained above I have spent well over required amount within first 90 days even after airline credits and refunds. So this explanation is not make any scene to me. Amex in only taking away the XXXX bonus, and left XXXX points in my account, which supports the assessment that Amex recognized the {$3700.00} spending during 90 days. ( as I only got XXXX points for each dollar spent ) Amex is trying to avoid paying the bonus that they incentivized when they accepted the application for the card from the individual -- speculation that due to Amex 's dire recent cost control methods in the news, AND clear indications from recent CFPB filings that Amex is trying to get out of paying bonuses to many consumers, they are aggressively trying to shirk their contractual obligations. 

I can send all the statements and prove I spent well over {$3000.00} within first XXXX after activating the card. Otherwise show me how much I had to spend to get the bonus ( how much I short ). I need the XXXX back in my account as soon as possible.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

I have attached the documents and IDTheftReportXXXX LATE PAYMENT Account Name : XXXX  Account # XXXX Date XXXX Balance Owed : {$0.00} Account Status : Closed Account Name : XXXX  Date XXXX Balance Owed : {$0.00} Account Status : Open INQUIRIES XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX  FINANCI XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA, Employers : XXXX XXXX XXXX
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-23
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (NJ)

The Money Network refuses to refund me for charges I never made. I am XXXX XXXX XXXX and do not know how to use the computer, these charges were online. I purchased in a completely different XXXX happened, I live in XXXX XXXX while the charges were made in XXXX. They are requesting to fill out forms and a ton of paperwork to further delay the issue.
Consumer complaint received 2016-08-26
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Ability Recovery Services, LLC (MS)

When I was trying to login my classes online XXXX XXXX XXXX XXXX XXXX. I was able to open the online classes because it was turn over to a collection agency. So, it was a number there for me to call the collection agency ( Ability Recovery Service Center ). When I call and was trying to talk to her ( XXXX XXXX ) she was very rude I was trying to tell her I am unemployed and I would n't not be able to pay in full ( {$2500.00} ). She start yelling on the phone with me getting smart. I was trying to ask her if I can come up with a {$150.00} to open my classes back up. She would n't listen to what I had to say and when I call her XXXX XXXX ) back the second time she said I have already talk with you once but I was trying to tell her the school ( XXXX XXXX XXXX ) said I would n't have to pay in full ( {$2500.00} ) to open my classes back up but ( XXXX XXXX ) said it not what ( XXXX XXXX XXXX XXXX say it what she say. She was still yelling on the phone you would have to pay in full but I am unable to pay the full amount cause I do not have a job at this time.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'd like to dispute the reporting of a late payment on my credit report.I have contacted the bank regarding this late payment, and they have approved updating the account to " openor closed/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 
According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update these accounts to reflect that it has never been late. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX