davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

For days now, I have been trying to access my credit report online to review and dispute incorrect information. Sometimes, my name and password would work. I would get so far as to hit the button for filing a dispute and it gives this error message with a number to call. 

" We're unable to complete your request online. 
Please try your request by phone or mail. 

What to do now : If you're trying to request a credit report, please contact our Consumer Relations team at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
If you're trying to dispute information on your credit report, contact our Consumer Relations team at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or dispute by mail. '' I have called with no answer, just endless hold times. I have tried their chat feature with the same results. No response. I have tried log in help. I have tried to resign up only to be told I already have an account that I CAN'T ACCESS! 
My credit scores with XXXX and XXXX are over XXXX. They were easily accessed online, and disputes were entered. TransUnion has me at XXXX. I was told by a bank that there is a charge off on Transunion and that is why I was rejected. I want online access to my account so I can clean up the errors.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NJ)

All 10 of my SYNCHRONY BANK credit cards were CLOSED with the reason of HIGH RISK OF FAILURE TO PAY. I cant pay a balance that is {$0.00} and no one can prove why they are ALL CLOSED.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

* On XX/XX/XXXX, I enrolled in XXXX XXXX XXXX XXXX. XXXX XXXX was included in this program. 

* On XX/XX/XXXX, XXXX XXXX, through their legal representation of XXXX XXXX XXXX XXXX was paid via transfer through XXXX XXXX XXXX 's bank {$1100.00} which was the agreed-upon settlement amount. 

* It is stated on my credit report that {$1700.00} was charged off with a balance of {$600.00}. 

* I have filed disputes on XXXX, XXXX, XXXX. 

* I have submitted documentation showing payment in the amount of {$1100.00} which was the agreed-upon settlement amount with XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed several times with the 3 major credit bureaus. Transunion, XXXX, and XXXX. 

I disputed XXXX, XXXX XXXX, XXXX XXXX XXXX, as well as XXXX  XXXX. I have informed them several times that these accounts were not mines. I even sent in a police report as well. They did not respond. I also reached out to the creditors as well and I was informed that they found the accounts to be fraudulent. The credit bureaus have still refused to delete these items. I need these items deleted as soon as possible. 

Also I have contacted them with the over and abundance amount of inquiries on my reports that I did not authorize or even do myself. I need them removed.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Self Financial Inc. (GA)

Self, Inc. stated that communication with the consumer had ceased on XX/XX/XXXX. However, according to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX ), which states that a consumer report is a medium of communication and thus subject to cease and desist requirements, Self has, in fact, NOT ceased all communication with the consumer. The referenced account is still reporting within the consumer reports.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Yes i have tried 4 times to get Transunion, XXXX and XXXX to remove a bankruptcy from my credit that i did not give reading or verbal permission to report my personal information.And i also checked the US Bankruptcy Court.And they said they do not report anybody 's personal information to the credit bureau.And i have a letter stating that dont report.I 'm asking as a consumer customer to have these Bankruptcy removed asap.These are the docket number # XXXX, # XXXX and # XXXX ... And if these items are not remove i will file a class action lawsuit against CFPB and the credit bureaus for not protecting personal information.Again im asking for these items to be removed
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA (PA)

I called the Apple Card that Golden sacs manages to work out a lower payment plan initially in XX/XX/year>. One of the reps close the card wrongfully and then since the card was closed, they would not work out payment plans with me. I asked for all of the recorded calls and transcripts to be emailed to me and they will not do that. I've asked to speak to legal over 100 times and asked for the email address for legal which they refused to give me. They also raised my APR without proper notification. It was not in writing. It was not over an email or even a phone call. So they have been raping me with, a higher APR and not working with me to make the account good. I've asked to speak to an officer at the company and legal, and they will not allow me to do so. I've asked them to have legal email me directly and I will put them in touch with my lawyer, and they will not even do that. This card is a complete scam and I've been asking for paper statements since day one which they refused to give me.
Consumer complaint received 2023-04-20
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. (TX)

XXXX and Transunion are continuing to report inaccurate information on my credit report. I've tried to fix an error many times, but this request has fallen on deaf ears. On XX/XX/23, I sent dispute letters to the above credit reporting agencies informing them that the account ATTORNEY GENERALXXXX XXXX is being reported incorrectly. They both are reporting inconsistent information when all data furnished should be the same. Transunion is also reporting the wrong balance. How does this meet FCRA requirements? XXXX is the only credit bureau that investigated the account and updated it. I will attach the credit report showing the inconsistent information. The late payment should be deleted immediately because I was never late, and because your information does not match, and I can take this to small claims court but at this time I am only asking for the account to be updated.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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. 
Account Name : XXXX XXXX # XXXX, has violated my rights. 
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 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 2023-05-01
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. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-01
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

Your permission to include this bankruptcy in my credit record is not authorized! There are many dates for filing and reporting, as well as for closing. This is crazy! I have the court 's letter stating that they do not notify you of this bankruptcy and that this is coming from an uninvited third party.
Consumer complaint received 2023-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (LA)

On XX/XX/XXXX my phone was stolen, and 4 fraudulent transactions were done through my Paypal account. These were non authorized and fraud transactions that I never initiated. The funds were taken out of my linked XXXX XXXX account, the transactions totalled over {$6000.00}. I called both my bank and Paypal to report these transactions as unauthorized and fraudulent. My bank recognized these transactions as fraudulent reversed the pending transactions, but Paypal on the other hand is saying that those transactions were authorized ( even though I never did them myself and my phone was stolen ) now I have a negative balance of {$4500.00}, and Paypal is stating that I must pay back this amount. I even submitted a police report about the incidents that occurred during my travel in XXXX, XXXX XXXX. I have appealed this case 3 times and they never solve this situation. 
I just don't understand how 4 different big transactions went through, when I have never sent money to that person before nor I've ever transferred those amounts of money. I didn't even have enough money on my bank account and these transactions put it in an overdraft state. 
These are my lifetime savings and I can't afford to pay this back nor I should be required to, because these are fraudulent transactions. I need to report this bad business practice. It's just not fair.
Consumer complaint received 2024-07-10
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: EQUIFAX, INC. (AL)

I just XXXX my credit report and I seen XXXX hard Inquires on my account XXXX from tower loans and XXXX from XXXX XXXX  card I contacted XXXX and XXXX they had me reach out too you all I did not authorize any XXXX too pull my report or create a hard Inqiry which has made my screen drop tremendously also I got a letter from XXXX XXXX XXXX XXXX saying my account is in a data breach and offering XXXX XXXX theft protection
Consumer complaint received 2023-05-01
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. (IL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-07-28
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: EQUIFAX, INC. (PA)

I submitted a dispute with the reporting agencies 2 months ago and never received the investigation results from them. There is an unverifiable account being reported and it is hurting my credit rating, credit standing and credit capacity
Consumer complaint received 2023-04-12
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 noticed an inquiry from check into cash on my Trans Union report and I never remember going into XXXX XXXX XXXX or inquiring to XXXX XXXX XXXX for a loan. I contacted the customer support email with the problem and they sent me a number to call, XXXX XXXX XXXX I called them about my problem, and they tried searching up an account with my social attached and said there was nothing coming up and there wasnt anything they could do they said to call XXXX XXXX XXXX but thats what I contacted in the first place. They gave me a number and I went straight to voicemail XXXX on a Wednesday.
Consumer complaint received 2024-07-29
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)

15 USC 1681- There is a need to insure that Consumer Reporting Agencies exercise their grave responsibilities with fairness impartially and a respect for the consumers right to privacy. Permissable purposes of consumer reports- Subject to subsections any Consumer Reporting Agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. Without written permission from me XXXX XXXX XXXX nothing can be furnished on my credit report. If I did not give permission to put on my credit report it should not be put on the credit report. If it is it is fraud/ identity theft. 15 usc 1692 C Communication with Consumer Generally- Without the prior consent of the consumer given directly to the debt collector or the express permission of a Court of competent Jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2024-07-15
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. (PA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2023-05-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Over the past few months I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. It has become clear that the Experian being willfully negligent in rectifying my affairs. 

These accounts could not be verified nor validated with XXXX. Therefore XXXX deleted it from my credit report. If this account is from the same creditor how is Experian able to verify and validate information that the other bureaus could not? By Federal law these accounts should be reporting consistent across all three bureaus, which it is NOT. Proof Experian have NOT done a proper investigation, FAILED to protect my consumer rights. You refused to correct this information which is a direct violation of FCRA 15 U.S.C 1681. According to Fair Credit Reporting Act ( FCRA ) everything on my credit profile must be accurate, verifiable, and if not that information must be deleted.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PR)

In XX/XX/2019 we got to a agreement for me to paid the amount owned directly with a internal agreement lowering my monthly payment to XXXX a month for 60 months and they will close the account on my credit report as charged-off and not report more negative information to the credit bureaus and I have comply with my monthly payments ever since. They take it from my chase account as direct payment every month and they keep reporting to the bureaus that even do the account appears Charge-off is not being paid. They are hitting and damaging my credit score and opportunity to get a home. I cant believe that this Credit Union were I have other accounts that have been never been paid with delayed is working like this. I have called them every month and just pass me from side to side and tell me theres nothing to be done. Its not a fair lending practice from there end and they just dont care.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2024, I tried to log into Transunion web page : https : //service.transunion.comXXXXXXXX XXXX XXXX XXXX  : Login Web page would not recognize my credentials tho I was using my User Name and Password recorded in a Password Security database where I store ALL XXXX or more logon credentials. Trans Union web page directed me to fill out a new account web page asking for most of my personal data including Last 4 of SSN, DOB, etc. Then, upon pressing SUBMIT, web page informed me my account already existed, just log in. This circular error continues without end. I tried to call on XX/XX/2024, and was put on hold indefinitely without ever getting a human voice during the 30 minutes I stayed with the call. I called again on XX/XX/2024 and selected the TEXT option, received a text to my phone, upon which I entered my problem description, and was placed on hold and I did not receive any response from TU. When checking the text message conversation with TU perhaps 25 minutes later, the entire text message conversation was deleted ; there was absolutely no text record of ever being contacted by TU. With the recent reported SSN data breach, it's more important than ever to verify my credit account, and I can not access Trans Union regardless of how often, and how long I try to contact Trans Union!!!!
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!