davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
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)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-07
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. (SC)

i'am writing to dispute the following information on my file i have reviewed my credit report and identified inaccurate as well as out dated information that i will like to have removed or corrected under the fair credit reporting ACT ( FCRA ), 15 USC 1681
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TX)

I am writing to formally dispute the collection account listed on my credit report. I am not liable for this Debt of {$350.00} with NATIONAL CREDIT SYSTEMS I did not sign a contract with NATIONAL CREDIT SYSTEMS and I didnt receive Verification of the debt via the original Contract Account number : unknown I notice discrepancies in the personal information section, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and verifiable information on my credit report. I am requesting that this collection account be investigated and removed if it is found to be inaccurate or unverifiable. Disputed Account Details : Collection Agency Name : NATIONAL CREDIT SYSTEMS Date of entry : XX/XX/year>2024 Reason for Dispute : XXXX. I have not been afforded the opportunity to dispute the account in accordance with 12CFR 1006.34 ( c ) ( 4 ) ( ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. XXXX. NATIONAL CREDIT SYSTEMS has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. XXXX. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfil their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). NATIONAL CREDIT SYSTEMS is flagrantly disregarding consumer protection statutes. I demand that CFPB investigate these egregious Legal Basis for Dispute : XXXX. Fair Credit Reporting Act ( FCRA ) : Under Section 611 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The credit bureau is required to investigate the disputed information and ensure that it is accurate and verifiable. If the information can not be verified, it must be removed from my credit report. XXXX. Fair Debt Collection Practices Act ( FDCPA ) : Under Section 809 of the FDCPA, I am entitled to verification of the debt from the collection agency. If the collection agency can not provide proper verification or validation of the debt, it must cease collection efforts and remove the account from my credit report. Request for Action : I request that you investigate this matter and provide me with the results of your investigation. If the collection account is found to be inaccurate or unverifiable, I ask that it be removed from my credit report. Please provide me with written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law.
Consumer complaint received 2024-09-07
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. (NJ)

I receieved multiple unauthorized inquiries on my consumer report that I do not recognize. back to back I over looked my report and immediately called to have them removed. they were not removed. this hard hurt my credit report.
Consumer complaint received 2024-09-07
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-06
Product: Credit reporting 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. (OK)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-06
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)

My accounts 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 to be removed/updated. 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. 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!
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (MI)

At the recommendation of my employer as part of a background check, I ordered a credit report from Experian. I was notified at the time I ordered the report that I would be charged {$1.00} for the report. After ordering the report, I was instructed that I had signed up for a 7 day trial and would be charged $ XXXX automatically if I failed to cancel the membership within 7 days. I then proceeded to view my credit score just to ensure that it was at an acceptable level, and proceeding to fill out the rest of my job application did nothing further on Experian. I received no further communication from Experian regarding my membership, though they had my email address on file. It was not until I saw a {$22.00} charge on my credit card this month that I realized I was being charged for a membership. I immediately called the company and explained I had never utilized the services other than looking at my score when I XXXX signed up for the service, that I felt some sort of a notification that my trial membership was expiring should have been provided to me, and requested a refund. They said because I was notified at the time I signed up for the account that I would be charged a $ 22 monthly fee for failure to cancel, they would not issue a refund. In fact, they tried to convince me to sign up for further services at a discounted rate, though I made it clear I had no intent of using the services further, given that I have thousands of dollars in student debt and could n't afford to pay the {$22.00} charge for one month, let alone continue paying for a service I had no intent to use on a regular basis. All in all, I felt that the customer service response I received was poor, and that the business practices failed to adequately warn consumers of the charges that they would incur as a result of using the Experian services. As the attached screenshot shows, the initial screen to order the report only says that there is a {$1.00} charge to order the report ; the $ XXXX membership fee is only mentioned in small print at the bottom of the XXXX page of the order. I admit that in my rush to complete the documentation for my job, I neglected to remember to cancel my membership at a later time ; but my concern is that less sophisticated consumers than myself will be taken advantage of and not realize the costs they are incurring in merely checking their credit report. Had I known about the existence of annualcreditreport.com at the time, I would have certainly just gone straight there.
Consumer complaint received 2015-04-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (MD)

I deposited a check into my account on XXXX/XXXX/15, and the bank charged me {$140.00} in overdraft fees for activity that occured that day. The banks ledger has it stated that they processed the check prior to sending out any payments, yet they charged me {$140.00} in overdraft. I contacted the bank and they are refusing to refund my money and to stand behind their own ledger, stating that they did not process the check before they sent the payments.
Consumer complaint received 2024-09-28
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (WA)

COPY OF LETTER SENT TO THEM : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Westlake Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Validation Request for Alleged Debt Account Dear Westlake Financial, I am writing to formally request validation of an alleged debt reported to my credit file under my name in the amount of {$38000.00}. I have reviewed my credit report and do not recognize this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request full validation of this debt, and I ask that you provide the following information : The name and address of the original creditor. 
A detailed account statement outlining the basis of the {$37000.00} debt. 
Proof that I am legally obligated to pay this debt. 
Please consider this letter a formal dispute of the debt. Until you provide the requested information, I ask that you cease any collection efforts and immediately notify the credit bureaus to remove this account from my credit report, as it is currently causing damage to my credit standing. 
If you are unable to provide proper validation of this debt, I expect that the account will be promptly removed from my credit file and that I will receive written confirmation of this action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-28
Product: Credit 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: SYNCHRONY FINANCIAL (FL)

The following is to request that the total amount of {$1300.00} dollars be removed from my credit report as delinquent for the following reasons. 
On XXXX of XXXX I went to XXXX XXXX in XXXX XXXX Florida, because my wife needed on an XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX 

When it was time for the estimate for this work, I did not have the full amount required to get this procedure done. The billing department at this location offered the Care Credit Credit Card. I had my doubts about getting approved for this card, since I knew my credit was very low. We were informed that the {$1000.00} was to be used for the XXXX  she needed. 

We were informed that the XXXX required a XXXX XXXX XXXX XXXX XXXX  before they could start working on her XXXX. At that moment no one informed us that it would cost {$1600.00} to perform that XXXX. Ater that process was done no one informed us that we had an outstanding balance on anything. 

The XXXX was not done at this XXXX since my wife did not feel comfortable with the way the XXXX  was performed. It would not be able to get her XXXX done until XXXX of XXXX at another XXXX company. 

After not getting this work done at XXXX, I received a bill from Synchrony Bank Care Credit for a bill for the {$1000.00} dollars. On XX/XX/XXXX, I received a letter from Synchrony Bank stating that my first dispute was denied, when this same bank on XX/XX/XXXX had sent me a letter informing me that they were unable to assign the credit amount requested. In their letter stating 4 reasons I was denied, 1. Lack of real estate secured loan information 2. No open bankcards in your credit file 3. Too many inquiries 4. Too many delinquent or derogatory accounts The amount applied for was not to increase the credit limit, since this was the first time applying for this card. 


If someone at Care Credit processed this payment knowing that I did not qualify, I feel that I should not have to be held responsible for the {$1300.00}, because the work performed was not a XXXX XXXX  and they did not approve me for any amount since my credit was so low.
Consumer complaint received 2015-04-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (CA)

I have been a victim of identity theft, made multiple calls to the bureau explaining to them the situation and for them to removes the accounts that do not belong to me. No actions have been taken upon my request even with proven documents. I have sent more than 5 time all the documents they have requested like ; a notarized affidavit, id, social, bank statement, and police report. Those accounts do not belong to me, If you can please remove the accounts i would really appreciated. 

ACCOUNTS NOT BELONGING TO ME ARE THE FOLLOWING ; XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX. XXXX XXXX Date of inquiry : XXXX/XXXX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX NI Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2015-05-20
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

Green Tree Servicing LLC and its affiliates keep on calling me at all time of the day regarding a mortgage payment. I never signed any note for this company. I asked them on many occasions to stop calling me. They wo n't stop. I would like to have them to destroy any record they may have created on me for whatever purpose.
Consumer complaint received 2024-10-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (MD)

On XX/XX/scrub> 2024, my vehicle financed thru Bridgecrest was involved in a total loss accident. Throughout the total loss process, Bridgecrest employees have given me misinformation and broken promises to follow up with me and to take specific actions on my account. Throughout the month of XXXX, I made Bridgecrest aware of my concerns regarding the potential impact of them failing to properly apply all payments to my account, over the course of several phone calls and also a written letter on XXXX XXXX, 2024. On XX/XX/year>2024, XXXX XXXX, the director of Legal for Bridgecrest, stated in writing that no money was due from me on my account, and that nothing on my account " would warrant future negative credit reporting. '' On XXXX XXXX, 2024, XXXX XXXX once again stated in writing that all obligations under my account were complete, and that a {$36.00} balance due at the end of my loan was waived. On XX/XX/scrub> 2024, Bridgecrest went against their written assurances and reported inaccurate, negative information about my accounts to the credit bureaus which caused an immediate and significant decrease in my credit score, at a time when I am shopping for a new vehicle. The company also mailed me an overpayment refund check for {$77.00}, despite the director of Legal previously stating in writing that there was a balance due at the end of my loan which needed to be waived. I do not believe that the balance at the end of my loan has been calculated correctly, as I have received multiple pieces of conflicting information in writing from Bridgecrest. Although the company states they have submitted a correction of negative info on my credit report, they have not yet explained why this information was reported after the director of legal XXXX XXXX promised in writing it would not be. I also continue to experience significant financial losses as a result of this incorrect negative information appearing on my credit report. The company has also admitted in writing that the negative information could take up to 60 days to be removed from my credit report, during which time my credit score will continue to be negatively impacted. Bridgecrest, to date, has not offered me any offer of compensation for these losses.