davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: DISCOVER BANK (AZ)

Hello, I keep getting notifications of credit reporting from a discover card Ive never had Ive tried to fix the situation with discover and they didnt try to help at all. Someone I dont know who or when took out a credit card out in my name. I would really like to get it removed from my credit as soon as possible.
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Someone opened a credit card in my name on XX/XX/year>. They spent {$280.00} with a {$300.00} credit limit. I didnt notice until I got an alert that my credit score dropped to XXXX on XX/XX/year>.
Consumer complaint received 2024-08-20
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)

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.

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 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : Original Creditor : 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2023-08-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (NC)

Americredit/GM Financial advisor told me that I would have to pay the entire balance of XXXX to get possession of the XXXX XXXX XXXX that I have a past due balance of {$2400.00}, they also said that they were going sell the vehicle on the XXXX of XX/XX/XXXX, without any other type of remedy, I explained to them about the payment that has been mailed certified mail,XXXX  and I want to get the rest of the balance if sold before it reaches them.
Consumer complaint received 2023-08-05
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: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-15
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: BARCLAYS BANK DELAWARE (PA)

In late XXXX, I received an offer for a 3 % bonus on grocery and restaurant purchases made with my Barclays Upromise credit card through XX/XX/XXXX up to {$36.00}. I spent sufficiently to warrant the maximum reward. This was supposed to credit within 8 weeks, which would have been XX/XX/XXXX. Shortly after this, I asked customer service about it and was advised it should be on a future statement. 

I've revisited this issue several times in the months since, by message, by phone, and by chat with a customer service representative. I've consistently been advised that I qualified for the {$36.00} bonus rebate, but have consistently been advised that it would credit in a few weeks or card statements, yet it has never credited.
Consumer complaint received 2023-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

During the week of XXXX XXXX my Chase and XXXX XXXX accounts experienced a lot of unknown transactions ( checks deposited, claimed transactions, XXXX transactions XXXX etc. 
By the time that was happening I was receiving text messages, emails, and after that my account was locked, I called and reported case to the bank, but now I have negatives balances in my accounts. 
Need help
Consumer complaint received 2023-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX : {$2000.00}
Consumer complaint received 2023-08-18
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. (NY)

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. 

Id notified XXXX, XXXX and Equifax to reinvestigate these accounts : XXXX XXXX account # XXXX, XXXX account # XXXXXXXX XXXX account XXXX XXXX, XXXX account # XXXX XXXX XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. Which is deem inaccurate due to the inaccuracy from the account tenured start date, account date last activity and invalidated outstanding balances. According to statue 15 USC 1681i ( 5 ) accounts with improper data reporting are subject to modifications.

15 U.S.C 1681 section 602 A. states consumers have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : Also states a consumer reporting agency can not furnish a account without the consumer 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 conviction 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 the information provided is inaccurate. 

Also the inaccuracies on these report are not corresponding with appropriate validation under metro 2 compliance. Please review documents to prove this case has regulatory evidence for endorsing truth.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.
Consumer complaint received 2023-08-18
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. (TX)

I am writing to dispute the accuracy and completeness of my consumer report that you have provided to me and other parties who have received this report. I believe that my consumer report is not in compliance with the laws set forth by the United States Code ( USC ) governing consumer reporting agencies.

Specifically, I believe that the information contained in my report is inaccurate, incomplete, and misleading. This inaccurate information is harming my ability to obtain credit, employment, and other important opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies like yours are required to ensure that the information contained in consumer reports is accurate, complete, and up-to-date. The FCRA also requires that consumer reporting agencies investigate any disputes that are submitted by consumers like myself. 

I am requesting that you investigate the inaccurate information in my report and take steps to correct it. I am also requesting that you remove the accounts listed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Thank you for your attention to this matter. I look forward to hearing back from you. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

According to the FCRA : 15 USC 1681.602a- states I have the right to privacy 15 USC 1681 604a sec # 2- states a consumer reporting agency can not furnish an account without my Witten Permission. 
15 USC 1666b- a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 
XXXX XXXX XXXX. XXXX XXXX XXXX {$620.00} XXXXXXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2500.00} I have contacted both of these companies and I have requested that I be provided with the Original Contracts with my signature with XXXXXXXX XXXX XXXX the Bill of Sale for these dept purchased accounts and I have requested a copy of the contract I signed with XXXX XXXX XXXX authorizing them to place any information on my report. I have not received any of this information. I was given a web site to go to by XXXX XXXX but when I accessed the account I could get no paperwork because it stated my case was in litagation and could not be released. I also requested the Bill of Sale and it was not provided. If these companies purchased these accounts then my credit report should have read accounts Settled for Less because the amounts owed changed which are Inaccurate on my report. I can not obtain the information to clear the matter and by law these items must be report 100 % correct. I have no way to verify these accounts.
Consumer complaint received 2017-02-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (PA)

I co-signed a student loan for my daughter years ago through I believe was XXXX XXXX. Since then the load was taken over by NAVIENT. I had no knowledge or notice of this transfer and in the process NAVIENT did not have any correct contact information for me on hand. Last year I get notified by my credit reorting service that a late/non-payment notice hit my credit score ( XXXX ). I contacted both my daughter and then NAVIENT, updated my information, paid whatever was due, and asked them to remove the late payment from my credit report since I had not been previously been contacted about the payment. After many attempts to have this corrected, nothing has been done and no one can give me an answer as to why. Also no one will call back. I noticed your agency filed a suit against them and thought you might be able to help. I have never had a late payment in my life let alone a non payment. I would like to have this fixed. 
Thank you!
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-20
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)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I had a business account with Bank of America. Business has been slow and I fell behind in credit card payments, but always tried to pay something. I was paying by transferring money online through my personal B of A account to the business account. B of A then took my business account down because it was delinquent WITHOUT TELLING ME. When they called and tried to get my credit card over the phone, I told them that I 'm not giving that info out and to please add the business account back to my online banking so that I can start making payments again. Over the past two months, I have emailed the CEO who forwarded me to a person named XXXX XXXX. I told them both I have been a 20 year customer and I always pay, but I ca n't pay if they do n't add my business account back to my online banking. XXXX XXXX said she would try, then got back to me a week later ( while I was accruing late fees I 'm sure ) and told me that the only way for me to pay is to do so over the phone. I emailed XXXX XXXX, the CEO again, and told him I want to pay but need to do so online. Then, they did a right to setoff, and took money out of my account to pay the late fees etc. If they had emailed me or sent a letter etc. telling me that they were taking the account offline I would have understood, but they never did and only called asking for a credit card over the phone. They are criminal and I think did it purposely to charge late fees. I have copies of my emails telling them that I 'm trying to pay but ca n't access the account online.
Consumer complaint received 2023-08-05
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: Experian Information Solutions Inc. (NE)

All three agencies ( Experian, XXXX, and XXXX ), are reporting inaccurate information on my reporting accounts that I disputed and mailed on XX/XX/2023, and in pursuant to FDCPA & FCRA Section 15 USC 1681 ( a ) ( b ) USC 6802 ( b ). I want these inaccurate accounts deleted immediately from my reports. XXXX Collections ( XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX Closed accounts of ( XXXX XXXX )
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Collins Asset Group, LLC (MO)

Hi There We had taken out a consolidation loan a few years back after our son died ( we co signed his XXXX debt and needed to pay it off ) Times became hard, etc. I called the company explained the situation and they stated they would charge it off due to our circumstances. Flash forward XXXX years later, a company called Accelerated Inventory ManagemenXXXX bought the debt for 'pennies ' and has now filed a lawsuit against us. I have spoken multiple times to the attorney 's office ( XXXX and XXXX ) and reached a settlement agreement for {$15000.00} if we paid it immediately. Which we did. They will not send anything in writing to me to confirm this and yet STILL filed a judgment against my husband, not on me as it appears they 'extended my court date '. No one will send me anything in writing even though I have a XXXX balance receipt ( attached ). How can they legally file a judgement against us even though we reached a settlement? I need help please, this is just not fair.
Consumer complaint received 2023-07-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received an offer from Bank of America through my app where I was advertised that if I opened a credit card with them, I would get a {$200.00} bonus, I only had to sign up online to get the reward. After a few months I noticed I didnt receive the bonus and read the fine lines and saw that I had done everything to receive the bonus, which was consume {$1000.00} in a timespan of 3 months. I called the company and said that they would look into it and I would receive a card with a response and all I got was a card that said that my card did not have that offer.
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-07-27
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. (FL)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-08-04
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. (GA)

I noticed fraudulent/unauthorized inquires on my XXXX  and Equifax report from  XXXX  XXXX  on XX/XX/2023 it needs to be deleted