davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (AK)

I have been getting multiple calls from the bank with rude customer service with each call. I have gotten 6 calls in one day from this bank. I told them I was aware that the balance was due but I was out of work due to Covid-19. The woman I had spoken to was very disrespectful towards me with the last phone call. I also gave them specific times they can and can not call as I have just returned to work and I can not be on the phone while at work as my job involves personal care of others. Any time I would speak she would speak louder over me so I could not explain my situation. I asked if they would settle the payment they said I was not eligible for that and they would not wave any fees as they had done that for me 1 time in the past as I was out of work due to a serious medical condition. Every time they call me I get 3-4 calls a day from many different numbers and each time they are very rude. Even calling when there was a note put in by a supervisor not to call me at the certain times I had specified but they continued to call any ways.
Consumer complaint received 2020-06-29
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Insight Management Partners, LLC (WA)

XXXX XXXX from Insight Management Partners, repeatedly contacting myself after being told do not contact, then proceeding to call sister, sister in law, my work place, my wife 's work place, and mother in law giving details of debt to them. when told by them that he has the wrong number, he tells them that i gave him that number as a back up contact. all false. there has been 5 phone calls today XX/XX/2020 already as of XXXX XXXX PST. he has been calling at least 3-4 times daily. he has been asked several times not to call these numbers threatening lawsuit. this is harassment and needs to stop.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Dear to whom it may concern, My name is XXXX XXXX, I have been trying to report about inaccurate accounts in my credit report but the credit bureau has always intended to avoid their responsibility and none of my request has been fulfilled. According to Fair Credit Reporting Act, I expect you to complete this investigation withins 30 days. 
**Name Reported** _XXXX, XXXX XXXX T this name is incorrect, My only correct name is XXXX XXXX. Please delete it!!! 
**Address Reported** _ XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX , OH XXXX These address are incorrect, I have attached proofs of my current address below.! 
**Employment info** PRIME This employee is not belong our business so please delete it!!! 
**Credit Card** _ XXXX Opened Date XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
_XXXX Opened Date XX/XX/XXXX The account balance show {$11000.00} when the amount past due is {$7700.00} **Collection** _ CHLD SUPP VA Opened Date XX/XX/XXXX How can there by $ 428 monthly payment in a charge off account. The balance is XXXX $ and past due amount is {$40000.00} in Transunion while the balance is XXXX $ and past due amount is XXXX in XXXX report. Delete it immediately!!! 
Also In accordance of the FCRA [ 15 U.S.C. 1681l ] Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
**Collection** XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX This charge off account is not mine please delete it as it is not belong to me, you have to provide me full documentation VIOLATION COUNT 1 [  15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report **Credit card** _XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account is not mine. I do not have any financial obligation with them. Please delete it!!!
Consumer complaint received 2020-06-29
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. (MN)

I attempted to contact Transunion to start an investigation regarding these inquiries. Transunion referred me to CFPB. 
The following companies are involved. The are fraudulent inquiries. 

XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

# # # # ***Hello, my name is " XXXX XXXX ``. I have been trying to make some changes in my credit report since i saw some incorrect information about, some of my addresses and all of the employment information. ***These information are not belong to me and have no relation tight to our business. I see that it is really capable of having bad effect in my credit report so i demand to have all the false information change!!!!!! 
Here are the name, addresses and employment information that need to be removed immediately. 
************************************** *EMPLOYMENT INFO -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX  XXXX XXXX  ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX , WA XXXX ************************************* XXXX XXXX XXXX XXXX , WA XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payments on time for the billing cycle, which was due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, a late payment of 30, 60, 90 and 120 days was incorrectly reported.

I have provided evidence of this timely payment, including bank statements showing that the payment was processed well before the due date. 
There appears to have been a clerical or administrative error that resulted in the late payment being reported across all three bureaus, despite no actual delinquency on the account. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

I have been with Synchrony Bank. For quit sometime I have serval credit cards with this company. a Sam 's club credit card, Care credit credit card, PayPal credit card I have never been late paying I have also paid Sam 's club credit card off in full {$2900.00}. and Paid in full Care credit {$12000.00}, Paypal XXXX I was checking my accounts XX/XX/2020 I had know ideal this company had closed my accounts after paying in full I called at XXXX XXXX and spoke with a rude gentlemen asking him what was going on, he responded and said did you get a letter in the mail, I told him know sir, I did not receive any letter. I asked why and for what reason was my account closed he said for non payment. I said that is not possible I paid my accounts off in full this was Sam 's I said what about my care credit he said I would have to call back so I did, to find out my care credit was also closed I ask the man why he just responded all your account were closed with Synchrony bank I Didn't have to ask about PayPal. I don't understand why this company would do this If they were going to do something that is so outrageous don't close my credit knowing I paid my credit cards off in full and in timely bases. This is truly unbelievable.
Consumer complaint received 2020-06-29
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: BARCLAYS BANK DELAWARE (KS)

In XXXX of XXXX, I booked a hotel stay for my spouse and me in XXXX, XXXX for XXXX of XXXX. We used our BarclayCard Arrival Card to make the payment. Due to the Covid-19 pandemic, we were not able to travel to XXXX. The hotel refused to give a refund, even though XXXX borders were closed. I have filed a dispute with BarclayCard, but they will not help get my money back, stating they can not " overrule the cancellation policies of the hotel. '' The hotel refused to give money or help, and they were verbally abusive during the process. BarclayCard did not care and would not do anything to assist during this time. Since then, BarclayCard has made the process of disputing transactions impossibly hard. You can not dispute online and have to mail in disputes. They will not even accept disputes via phone. I have been successful in getting refunds independently from other companies, but BarclayCard will not assist with this refund, which is in violation of their terms as a travel card.
Consumer complaint received 2020-06-29
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: Dyck-O'Neal, Inc. (SC)

Company DYCK ONeal Inc, XXXX XXXX XXXX, XXXX, TX XXXX is reporting a fraudulent account to my XXXX  Report.The information their reporting as an account in the amount of {$170.00}. Ive never obtained any goods or services from this company. They submitted a document from a company called XXXX XXXX with inaccurate and incorrect information about me, like my place of employment, address, bank account and goods I never received. Im not certain how they obtain some of my information like my social security number and date of birth. Somehow they were able to create a false document and place it on my credit report as an account. This document doesnt have my handwritten signature anywhere on it. I have filed 2 police reports and sent them to XXXX  who has refuse to remove and block this fraudulent account.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In trying to resolve a disputed error on my credit report with XXXX XXXX  XXXX XXXX Iowa and XXXX XXXX XXXX, MN for more than a year and to no avail have they responded to the error made on my credit report. To date, it continues to show a late payment entry of 60 days back in XX/XX/XXXX as that is impossible since the account was closed and transferred to another lender with the same account number and that one showed no late payments and paid-in-full. It appears that I have a double entry for two of the same accounts. After being assured that all would be resolved, all ( 3 ) credit bureaus still show inaccurate payment information. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus XXXX XXXX and TransUnion and creditor directly. On XX/XX/XXXX, I submitted this directly to CFPB Agency and they have confirmed and received documented information re ; this dispute from XXXX XXXX XXXX XXXX Iowa and XXXX XXXX XXXX XXXX, MN that they were not able to verify any late payments and the inaccuracy reporting on my account should be removed by all credit bureaus.
Consumer complaint received 2024-09-10
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. (NY)

I spoke to the bank, which agreed to remove the hard inquiries, then placed a complaint with the credit agencies who then removed and placed the hard inquiries back on my account all at the same time
Consumer complaint received 2024-10-02
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. (NC)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. 

Below are the details of the account in question : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Charge-Off:XX/XX/2019 It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2020-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NV)

ENHANCED RECOVERY COMPANY ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$360.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-06-29
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. (CA)

I am filling this report because I was made aware of two accounts reporting on my credit that are not mine. The reason I even had my credit ran today XX/XX/20 is because I am trying to help my daughter get a home loan as her co-signer but when the loan officer ran my credit he told me there was an account from XXXX XXXX XXXX  XXXX and one from XXXX XXXX XXXX reflecting badly on my credit and that I would not be able to co-sign. I did not open either of those accounts nor did I allow anyone to open them on my behalf ; I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I have never applied for an account with these companies nor am I affiliated to them in any way. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2020-08-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I became a victim of identity theft in XXXX and I have been trying to resolve issues with various banks regarding bank accounts being opened in my name. I have disputed the accounts through XXXX XXXX, XXXX, etc and I have not been successful in getting the accounts removed due to fraud. The banks in question or Bank of America, XXXX XXXX, and XXXX. I have contacted these banks numerous times with the past 4-5 years. I have been given the runaround or that the debt is too old and can't be disputed. This has caused me to not be able to open a bank account due to the negative information being associated with my driver 's license number or social security number.
Consumer complaint received 2020-06-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Business Bureau (FL)

XXXX XXXX reported inaccurate information to a third party debt collector after neglecting to provide correct billing info to my insurance carrier XXXX XXXX after it was requested at the time of service. The third party debt collector ( Medical Bureau ) has reported this information to credit bureaus and have caused my score to drop tremendously. The third party is constantly adding and removing the items, causing the debts to re - age. XXXX and I have tried several attempts to speak with the original creditor ( XXXX XXXX ) and reps have stated for the past several days the servers have been down. XXXX XXXX reps stated they would call back and failed to follow through as promised. I notified the medical Bureau who advised they reached out to XXXX XXXX and said such debt is valid, thus they can not remove the items from my credit. 

Included is the information given to me from XXXX  representative : XXXX, I see the claim in the system from XXXX XXXX XXXX XXXX on date of service : XX/XX/XXXX. This claim was processed with the incorrect prefix number from your medical member ID number, and was not updated with a processed claim as requested in XX/XX/XXXX. As a result it rejected the amount of {$1100.00}. 
After speaking with you on XX/XX/XXXX and notifying XXXX of the debt collection, I called their billing department on XX/XX/XXXX and spoke with XXXX who advised that their systems are down and would follow back the following day. I called back on XX/XX/XXXX and spoke with XXXX again who advised that their systems are still down and to try again the following day. I called back on XX/XX/XXXX and spoke with XXXX who advised that the systems were sill down but took my name and number and advised that she would call too call me back when their systems are up. 



Thanks, XXXX XXXX. 



XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Office : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2020-08-27
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: Experian Information Solutions Inc. (SC)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. US DEPT ED XXXX {$300.00} DPT ED/XXXX XXXX {$300.00} XXXX XXXX XXXX   XXXX {$80.00} XXXX XXXX {$7300.00} XXXX XXXX {$5900.00} DPT ED/XXXX XXXX {$6800.00} DPT ED/XXXX XXXX {$22000.00} DPT ED/XXXX XXXX {$18000.00}