davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My account has 5 past due accounts reported with 120-149 days late. This is incorrect, I was under a paid interest program, as i have been fighting with company for 3 months over. Ive attached a letter from previous complaints ive filed, but my credit company needs to be made aware and fixed.
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (FL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

American Express Blue Cash Preferred Card provides misleading advertising and could put people into debt/financial distress for money they have thought they earned. 

Not providing verbal agreement wording : When requesting the wording in my verbal agreement to open and close the account, American Express would not supply this information. If I am entering a contract with them, how can they not provide me with a copy of the verbal agreements ' wording? 

When speaking with American Express, there is inconsistent naming practices. The Cash Back statement credit was referred to a number of different ways : welcome bonus, bonus, points, and awards. It is confusing and does their legalese really cover this agreement switching back and forth in wording and not being clear that the " cash back statement credit '' as referred to in the flyer will need to be paid back. 

Misleading information : American Express Blue Cash Preferred Card promotional flyer is quick to point out a " {$150.00} Cash Back '' but fails to equally bring attention to the fact that you need to keep your account open 12 months. After 12 months, American Express Blue Cash Preferred Card charges you an annual fee. If you do not keep the account open for the 12 months, they reverse the promotional credit and you will owe {$150.00} back to American Express. This is shady. Little did I know the {$150.00} bonus was a short-term loan to pay back and I assume I'm charged interest if I do not pay. 

The promotional flyer should state front and center " {$150.00} Cash Back with minimum 12 month Account ''. 

Unfair Business Practice : American Express provides the {$150.00} Cash Back after fulfilling ONLY some of the requirements : spending {$1000.00} in the first 6 months, but it doesn't not wait for the account to be open 12 months before providing the {$150.00} cash back statement credit. This is an unfair business practice and calculative in taking advantage of customers. 

In the end, it is an amount of money in the form of a statement credit that can be given prematurely having NOT fulfilled the requirements of earning it and then asked to be paid back. Sounds like a loan to me. 

The Blue Cash Preferred Card from American Express promotional flyer also has the fine print XXXX XXXX XXXX wording on the back : If you cancel or downgrade your account within the 12 months after acquiring it ... .we may not credit the statement credit to, we may freeze the statement credit credited to, or we may take away the statement credit from your account. Why is it not we will either? 

I have tried to resolve directly with American Express, but not only did they not provide me with wording of the opening and closing of the account that I verbally agreed to, they are requiring me to pay back the statement credit.
Consumer complaint received 2024-05-06
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)

I wrote to XXXX, Transunion, and XXXX on XX/XX/year> stating that they are inaccurately reporting my information, out of compliance with the Privacy Act, and USC Codes. 

According to the Privacy Act, no agency shall disclose any record- this means financial transitions - by any means of communication to any person or agency except pursuant to a written request or by prior written consent of the individual to whom the record pertains. 

I have not provided any written consent. In fact, I revoke any of my written, verbal, and implied consent with other financial institutions and this is my formal notice that Im opting out. 

XXXX XXXX XXXX has a privacy statement that they do not share with non-affiliated companies, yet this information has been shared out of compliance. XXXX XXXX also has a privacy statement that they do not share with non-affiliated companies, and this was shared out of compliance. 

I have attached the original letters to this case.
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX with the balance of {$3200.00} XXXX XXXX XXXX XXXX with the balance of {$5300.00} and XXXX XXXX leasing with the amount of {$0.00} reported XXXX XXXX, are the result of identity theft, and They are not belonging to me.
Consumer complaint received 2024-01-22
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)

the following account is negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report, therefore you must remove all negative and adverse remarks under 15 USC 1681 ( b ), 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : the company alleged I owed them money, however, they closed the account and charged it off. In addition, the company alleged I maxed out the credit limit at {$130.00}, but the highest limit it shows is {$790.00}.
Consumer complaint received 2024-06-22
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. (VA)

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 : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  : # XXXX, has violated my rights. 


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 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-05-03
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. (IL)

THERE ARE CREDIT INQUIRIES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE. PLEASE REMOVE IMMEDIATELY. THEY ARE BELOW. XXXX XXXX, XXXX AND XXXX
Consumer complaint received 2023-12-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

After filing two claims through the XXXX XXXX XXXX I am currently being taken to court in an attempt to collect the balance of my XXXX credit card ( {$3000.00} ). I have requested the Terms and Conditions as well as my enrollment documentation for XXXX XXXX XXXX XXXX XXXX and the credit card opened with XXXX  on XX/XX/XXXX. I have attempted to collect this information from both XXXX and Portfolio Recovery A on XX/XX/XXXX. XXXX responded with not willing to provide the information. Portfolio Recovery A 's response was an ask if I wanted to dispute the charge and not to provide me the information requested. I have disputed the debt with Portfolio Recovery A on XX/XX/XXXX. The dispute explains how I am not liable for the debt because I used XXXX XXXX Payment Security Program to file two claims for payment protection due to being laid off during the XXXX XXXX due to lack of work. Those claims were made XXXX of XXXX and XXXX of XXXX.
Consumer complaint received 2024-06-17
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)

PLEASE BLOCKED AND REMOVED. 
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.
Consumer complaint received 2024-05-06
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. (AL)

I reached out to three credit breau to remove in acurate information of public file bankruptcy XXXX XXXX has removed the bankruptcy but all three have both received but telling me they will remove and hasnt been removed it has been 30 days and now they are giving me another date and told me if I dont like to file a complaint.
Consumer complaint received 2024-01-22
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)

The account XXXX XXXX XXXXXXXX on my credit report was scheduled for removal after XXXX years, in line with the FCRA regulations. Furthermore, there is an alleged balance of {$1300.00} but this debt is uncollectible due to the statute of limitations. The statute of limitations in the state of XXXX XXXX XXXX XXXXXXXX To my concern, XXXX has diligently followed this timeline and removed the aforementioned account from my credit report. However, TransUnion and XXXX have failed to align with this standard and has not taken the necessary steps to remove the account, indicating a clear violation of the FCRA. XXXX XXXX has already been notified that the account should be removed, and that the debt is uncollectible. I sent dispute letters to both XXXX and Transunion over XXXX XXXX XXXX. I urge TransUnion and XXXX to rectify this discrepancy promptly by initiating the removal of the specified account from my credit report, aligning with the FCRA guidelines. You are also reporting incorrect data such as the date last active and payment history. Your immediate attention to this matter is crucial in ensuring compliance with federal regulations and preventing any further complications. I trust that you will take swift action to resolve this issue and provide confirmation of the removal within 7 days being that this is long overdue. Please see the attached credit report and the dispute letters which are dated, and time stamped.
Consumer complaint received 2023-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (MA)

I had made a direct effort via the XXXX XXXX XXXX ( XXXX ) XXXX, XXXX Too renew my I.D . ( in very bad Health condition ) via The Department of Motor Vehicles, because my Kentucky state Driver 's License had been expired for over a 5 year period, too be present in person and interact with a bank teller ( I also attempted a cash withdrawal in person/an available balance request/request for the bank teller receipt in person ) at a Truist/BB & T bank location because I had suspected when I would call the # on the back of the debit card ( XXXX ) they had stopped verifying my address. 
There's has been a deactivation message via truist/BB & t bank cardholders services a number of times " the status of this card is unknown '' over the phone, where I had been left stranded in my home for XXXX business days until the B B & T debit card had been replaced.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

From XXXX through XXXX XXXX I was XXXX  due to XXXX and XXXX XXXX  Have a XXXX XXXX XXXX XXXX  XXXX XXXX. In the past requested paper billing but it never happened. Due to my condition someone was taking care of my bills and was not aware of this bill as it was online access only, when I became able I checked my accounts and found this to be months delinquent. I immediately began making payments to pay it off. It has been XXXX for a while now and they have frozen the card. When I had called to explain the situation about my condition that had no concern about my health just when I would make an additional payment to pay it off. They advertise about how caring and empathetic they are about XXXX, nothing could be further from the truth. Had no knowledge that a business card was even tied to me personally, I take care of all my obligations and had excellent credit, now its damaged as a result of hardship and XXXX XXXX only concern is about getting paid. 
I have two other XXXX XXXX accounts in good standing, never been late and both open for a period of time.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Common violations of the FCRA include : creditors give reporting agencies inaccurate financial information about you. XXXX XXXX has caused damage to my credit report by reporting inaccurate information. XX/XX/year>, I called XXXX XXXX and advised that I had lost my job due to an injury and I was waiting on workers compensation. I then set up a hardship where I was informed that I would not have to make a payment. At that time I was I would not incur any fees, which I have. XXXX  XXXX is now saying I'm not the account holder. I will next file a complaint for fraud against XXXX XXXX.
Consumer complaint received 2024-01-22
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. (MD)

my information was sold and bought illegally because i was a victim of XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that i was a victim of this breach and XXXX has done nothing. Please help me delete these illegal accounts from my XXXX credit reports. I have listed all accounts.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

A credit card that was fraudulently opened in my name back in XXXX has reappeared on my credit report. This charged off card has been removed since XXXX of XXXX and has appeared back almost XXXX  months later. This card is not my responsibility and i would like for it to stop showing on my XXXX report via XXXX and XXXX XXXX. i called XXXX trying to remove it and it is not visible on their end.
Consumer complaint received 2024-01-22
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 already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received XXXX  response even after XXXX XXXX. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX XXXX, they should be promptly removed from my credit report. Since it has been over XXXX XXXX, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-12-20
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: GOLDMAN SACHS BANK USA (CA)

I have been disputing this charge for an unauthorized transaction {$1200.00} that I never ordered or authorized. Ive been going back and fourth with Goldman Sachs ( Apple Card ) since XXXX. XXXX the merchant was no help to the problem. I submitted a police report for items not received by me and ordered on my ACC fraudulently. They still have yet to resolve my case. They were unable to provide proof of signature upon delivery.
Consumer complaint received 2023-04-21
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. (NJ)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$830000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:XX/XX/XXXX Balance : {$470.00}, XXXX XXXX Date Opened:XX/XX/XXXX Balance : {$9800.00}
Consumer complaint received 2024-05-06
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. (IN)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX ( account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-05-07
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. (NJ)

I understand that FCRA XXXX requires us to remove any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies in terms of reporting, including inaccurate amounts and dates.