davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (CA)

On or about XX/XX/2021 I called my credit card company to ask about authorized users on my account ; specifically, how many authorized users I was allowed to have on the account. I had recently read on their website when I signed into my account that I was allowed ten ( 10 ) users on the account. The customer service representative I spoke with confirmed that was correct and I was allowed to have ten ( 10 ) authorized users on my account. 

Given this information, both published on their website and confirmed by their customer service representative, I added seven ( 7 ) authorized users ( all family members XXXX to my account. 

On XX/XX/2021 I woke up to login to my account and found that my account had been closed. When I spoke with the customer service representative for the credit card company, they informed me it was because I had " too many '' authorized users on the account. A subsequent letter I received from the credit card company confirmed that was the sole reason my account was closed ; " excessive number of authorized users on this account ''. 

I spoke with a supervisor and an account manager, " XXXX '', on XX/XX/2021 and I argued that I was well within my rights to have the authorized users on my account per the information on the website and the representative that informed me so. Further, it was illogical ( and impossible ) for me to have an " excessive number of authorized users '' on my account as I was allowed ( authorized ) by the credit card company to add these users to my account. Why would I be allowed to add these users to my account if it was against procedure, policy, rules, or terms of my agreement with the company? Why would they make that statement on the website? Why would the customer service representative give me that information? How could their system accept it, then issues credit cards in all the authorized users ' names if I weren't allowed, if there was an " excess ''?

The account manager " XXXX '' said he understood and told me that they would review the action and send me correspondence with a decision. 

The decision was received today, XX/XX/2021 and they have declined to reinstate my account. 

This obviously has had a negative effect on my credit and credit worthiness. 

While there are many possibilities as to why my account was actually closed, I can only understand it as being some form of discriminatory action, as I had recently ( two weeks prior to my account closure ) paid down my balance of about $ 11k and two ( 2 ) days before added my family members to my account with names that are of XXXX decent. Why else would my account be closed if my account was in good standing, balanced paid off, and I had not violated any terms of my account? 

There is simply no other way for me to understand the actions of the credit card company in any other way. Again, as the SOLE reason for my account closure was " excessive authorized users '' on my account even though I was allowed to add those users.
Consumer complaint received 2021-03-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Investment Retrievers, Inc. (CA)

Investment Retrievers did a hard inquiry on my credit report without my authorization. It was listed as a hard inquiry for an installment loan. I did not contact them nor authorized them to run my credit. This will impact my credit score negatively.
Consumer complaint received 2024-09-09
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2021-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (FL)

I was sent a letter on XX/XX/XXXX that I owed a medical bill from XXXX XXXX in the amount of {$28.00}. I mailed a letter along with a copy of the receipt on XXXX XXXX. I then received another letter regarding the same bill on XX/XX/XXXX, almost a year later for the same debt, even though they had already been informed by phone and mail that the debt had been paid prior to their involvement.
Consumer complaint received 2024-09-09
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. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-09
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. (TX)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (IN)

Call Aidvantage on XXXX XXXXXXXX XXXX to request refund on student loan payments. Request was submitted. Advised could take up to XXXX weeks for money to be refunded. Called back in XXXX and XXXX to check status. Advised still processing. Called back XX/XX/XXXX and was told Aidvantage had finished processing on XX/XX/XXXX and forwarded it Federal Student Aid which then has to be sent to the Treasury. Advised it would take up to another 8 to 12 weeks and refund would be mailed not direct deposit. Which means I have to wait approximately 6 months for my money to be refunded.
Consumer complaint received 2024-09-09
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. (NJ)

Subject : Urgent Request for Reinvestigation and Documentation of Disputed Accounts Dear XXXX XXXX ( XXXX ) I am writing to formally request a reinvestigation of several accounts listed on my credit report that I previously disputed, as they continue to cause damage to my credit profile. This request is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates that you ensure the accuracy and completeness of the information reported on my credit file. 

The accounts in question 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 Please reinvestigate these accounts to ensure they are accurately reported. Additionally, I request that you provide me with the names and titles of the individuals who verified these accounts during your previous investigation. 

After completing your reinvestigation, I kindly ask that you remove any accounts that are found to be erroneous or inaccurate. The persistence of these inaccuracies is undermining my ability to maintain a clean credit profile and to access credit opportunities. 

Thank you for your prompt attention to this matter. I look forward to your response within the timeframes stipulated by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX [ XXXX, XXXX XXXX XXXX ss # XXXX
Consumer complaint received 2024-09-09
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX : ** Discrepancy in Credit Report and Unchanged credit score I am writing to bring to your attention a concerning issue with my credit report and credit score that I have observed across the three major credit bureausTransUnion, XXXX, and XXXX XXXX 

Despite making multiple on-time payments on my credit cards, my credit score has remained unchanged. This situation is perplexing as I have consistently managed my credit responsibly and expected my credit score to reflect these efforts. 

Additionally, I have a tradeline reported by a company named XXXX, which, according to TransUnion, has been successfully reported. However, there seems to be a disconnect, as my credit score has not reflected any change. TransUnion provided me with a case number for this issue : XXXX. 

I kindly request that you look into this matter as soon as possible. It is important that my credit report accurately reflects my financial activities, and any discrepancies be addressed promptly. 

Please let me know if there is any additional information you require from my end to resolve this issue. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-09
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. (FL)

Im submitting today to inform the credit Bureaus I was the victim of identity theft. Per FCRA section 605b you are required to remove/delete these items listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-09
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. (NY)

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$25000.00}
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OR)

XXXX XXXX XXXX and XXXX XXXX XXXX In accordance Fair credit reporting act under 15 USC 1681 Improper use of credit report. Reporting use my report improperly. 15 u.s.c 1681 section 602 A. States the right to privacy 15 U.s.c 1681 section 604 can not furnish a account without my written instruction. 15. U.s.c 1681c. ( a ) ( b ) section states : no consumer reporting agency may make any consumer report containing any or the following items of information. Any other adverse item or information other than records of convictions of crime which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-09-09
Product: Credit reporting 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. (MO)

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 2021-03-16
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)

*Vehicle was traded in on XX/XX/XXXX. 
*Payoff check XXXX {$29000.00} was mailed XX/XX/XXXX to the standard Payment address posted on XXXX via USPS : XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX *On XX/XX/XXXX, XXXX XXXX advise to issue a Stop Payment for 'non-receipt ' and re-issue a new check with an new payoff amount to a different address for Lease Payoffs : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX *The check posted the following day on XX/XX/XXXX and was returned due to Stop Payment they advised to issue. 
*A new check XXXX {$29000.00} was mailed overnight via XXXX tracking on XX/XX/XXXX. Tracking # Tracking Number XXXX. Delivered XX/XX/XXXX XXXX as per XXXX Tracking. 
*After numerous calls, XXXX located the payment XXXX delivered XX/XX/XXXX on XX/XX/XXXX. XXXX posted the payment effective XX/XX/XXXX. 
*In the interim, between XX/XX/XXXX and XX/XX/XXXX, XXXX reported me as 60 Days Delinquent on all 3 Credit Bureaus Equifax , XXXX XXXX and XXXX .
Consumer complaint received 2021-03-18
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: AMERICAN EXPRESS COMPANY (WA)

Responded XX/XX/XXXX, to American Express XXXX XXXX XXXX card offer that came in the mail, with offer of Welcome Bonus of {$220.00} cash back : " Earn {$220.00} back after you spend {$1000.00} in purchases on your new Card in your first three months ''. We met that requirement, but only {$150.00} " Welcome XXXX XXXX Back '' was posted to our account on XX/XX/XXXX. 

I filed the application for this offer online at amex.us/bcersvp, which was XXXX option for applying. The first question asked online is for the 14-character RSVP code, which I entered ( XXXX ). The application went through and we received our credit card. Shortly thereafter, a letter from American Express shows up in the mail saying " we are unable to approve your application '' ... " we have approved an application for the same type of Card within the last few months '' - THIS IS NOT TRUE. We did not submit multiple applications. A call to American Express on XX/XX/XXXX, said " disgregard this letter ''. Really? sounds like a bug in their system. 

Subsequent phone calls with American Express XXXX XXXX, XX/XX/XXXX XXXX twice, once with a supervisor XXXX XXXX got me nowhere. The call on XX/XX/XXXX resulted in another letter from American Express " The offer terms stated that the cash back would be provided in the form of statement credits, when in fact, the offer is being fulfilled in Reward Dollars '' - related to XXXX purchases. NOTE : I never would have applied for this card with an offer related to XXXX purchases. ( sounds like a classic Bait and Switch ). 

All of my calls to American Express said there was a different RSVP code attached to my application. I HAD NO OTHER 14-digit RSVP code, and couldn't have made it up because it wouldn't have gotten past the first screen on the online application where I had to enter this code. Strangely, no one on my calls to American Express could tell me the details of the offer for the RSVP code I did submit. 

So where does this stand - American Express refuses to meet the conditions of their offer - they still owe me {$75.00} to meet the {$220.00} cash back offer promised.
Consumer complaint received 2024-09-09
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)

I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had 5 late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and Ive attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These CAN NOT be accurate because the XXXX XXXX  late payment says it was 60 days late but on XX/XX/year>, it shows no data, which is CLEARLY INACCURATE. Also, The XX/XX/year>, XX/XX/year> and XX/XX/year> late payments all are saying 120 days late, which is another CLEAR INACCURATE REPORTING! I demand these payments be updated to paid on time immediately or that the entire account be deleted. Thank you
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (HI)

I submitted a payment of {$2100.00} on XX/XX/XXXX and spoke to representative XXXX. She waived {$100.00} in late fees which brings my balance to {$0.00}. 
Today XX/XX/XXXX it is showing on my credit reports that I owe {$100.00} and that there is also a late payment for XXXX. 
I called and requested for them to update reporting/account and they advised I would have to send in a dispute which can take up to 60-90 days. 
I escalated to a supervisor who was the least bit of helpful and lacked empathy for her companies mistakes. I do not feel as a consumer I should jump hurdles to resolve an issue that this company did themselves.