davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
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: EQUIFAX, INC. (NY)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX.
Consumer complaint received 2024-05-29
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)

You were notified that my information was compromised in the XXXX data breach and failed to remove the disputed accounts from my consumer report. Please see the attached FTC report and XXXX data breach claim id and remove the following accounts from my credit report within 7 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION (MO)

My experience with PenFed has been a disaster. About a year ago I got a second telephone line for mobile service. I wanted to isolate my banking business from the non-bank business. I tried to make an online payment to PenFed using my new number and was told I couldn't do that for " security reasons. The phone number on my new phone didnt match the one on their records. I made numerous attempts to find out how I can change my old number to my new one. The PenFed story was I would have to send any recent household bill to verify my address and to simply write my new phone number on the bill. Despite this ridiculous proposal, meaning the Pen Fed solution, I went ahead and did that, including a USPS Registered letter. If their mail service is so unreliable, perhaps they should stop making their online payment so hard to use. They don't have an Email address that customers with questions or complaints can access. I find their advertising gimmick of being there for veteransinsulting. Please keep in mind that I made regular payments through USPS with a personal check being my only option. It was also the only entity I had business with that I had to use this antiquated method. PenFeds most recently questionable business scheme was to double my XXXX monthly payment by, not only, accepting the check that had cleared after approximately 10 days, but they also accessed my checking account without my approval or arrangement saying it was a payment for the same period my check was for. This meant that PenFed, which for that month wanted a minimum payment of about {$100.00}, managed to extract {$350.00}.

That same month, XX/XX/2024, the same bill had a charge placed by the XXXX  for an XXXX membership internet and a phone number XXXX. The amount was {$45.00}. I never agreed to this nor did I place an order online.

The following day PenFed sent another letter saying the method/Information I used to allow me to make payments online was insufficient for identification and I was given yet another phone number, no Email address. The method I used, in other words, a bill with my name and address and the new number on it, that was their idea, wasnt good enough. Are you starting to see the pattern Im seeing?

Im sending this same letter, by request, to the State of Missouri, Office of the Attorney General, Fraud Division. Im going to leave out the internet membership charge to the XXXX, in part because I dont want to believe the XXXX would do something like that to a member and a veteran.

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-29
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. (TX)

Pursuant to XXXX XXXX XXXX, I owe no debt. And upon looking at my credit report I noticed According to the FCRA a consumer reporting agency shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about who the credit report relates. And according to XXXX XXXX XXXX, 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 info is not accurate. ACCOUNT ( XXXX ) XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRSTBANK PUERTO RICO (PR)

XXXX XXXX. It's impossible to find someone. XX/XX/XXXX the were going to revert the charge and almost three week later, stills there. AND, for some reason I don't know, when the amount was higher, the minimum payment was {$26.00} and now increased to {$33.00}. Seriously?
Consumer complaint received 2024-05-29
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: DISCOVER BANK ()

DISCOVER BANK HOME LOANS, ACCOUNT NUMBER XXXX DISCOVER HOME LOANS, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX ON XX/XX/2023, I called to find out my balance. I made an over the phone payment of {$24000.00}, to XXXX XXXX, from my XXXX XXXX  checking account, XXXX, bank transaction recorded XX/XX/2023, bank reference number XXXX. 

When I called the next day they told me that since that would have paid off my mortgage, they were rejecting the payment, and instead demanded " certified funds, '' even though that is the same checking account from which they withdrew, automatically, my monthly payments since loan origination. I was in a hurry to satisfy my loan, since my house was under contract for sale, and I wanted to escalate the closing process. I kept waiting for them to send my rejected payment back to my checking account, but no success. I took money from my Discover Savings account ( {$25000.00} ) and I went to my bank ( XXXX ) and immediately made a wire transfer of the stated amount due to close the account. 

I HAVE BEEN TRYING SINCE XX/XX/2023, TO GET MY " REJECTED PAYMENT '' RETURNED. I have spent hours on the phone and sent numerous emails, and keep getting a runaround. 

I WANT MY {$24000.00} RETUNED, BY WIRE TRANSFER, NOT BY CHECK, TO MY XXXX  CHECKING ACCOUNT. 

I WANT THE 5 % INTEREST THEY WERE CHARGING ME FOR MY LOAN ADDED FROM XX/XX/2023, PLUS {$2000.00} PUNITIVE DAMAGES. 

I AM AT MY WITS ' END. I AM A XXXX  YEAR OLD XXXX, AND THIS ENTIRE ORDEAL IS MORE THAN I CAN HANDLE. 

I HAVE SINCE MOVED OUT OF THE USA, SO I DO NOT WANT, AS I TOLKD THEM, A CHECK. WIRE TRANSFER ONLY! 

PLEASE HELP.
Consumer complaint received 2024-05-29
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. (IL)

I am writing to follow up on my previous complaint regarding the discrepancies, unverified, and inaccurate negative items on my credit report. Despite my earlier communication, these erroneous entries remain unresolved, which is highly concerning and unacceptable.
Consumer complaint received 2024-07-15
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)

I pulled my credit reports and saw some information I can not verify so Im requesting that you investigate the accounts listed below. Please see details on specific reasons Im challenging these accounts by taking a look at the files I uploaded, which include my dispute reasons and supporting documentation. I am requesting that you send this dispute directly to the furnisher
Consumer complaint received 2023-08-28
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)

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 4 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 XXXX 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 2024-05-29
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. (FL)

In a period of over 5 months I have sent letters indicating the inaccurate, erroneous information i have identified on my credit reports. Unfortunately, XXXX, Transunion and XXXX have failed to provide an honest and transparent investigation on my claims. Today I am filing a formal complaint. I will attach the proof of the letters i have sent. Please reach out to XXXX, Transunion XXXX XXXX and demand an investigation to be completed- I am also requesting proof of the investigation. If this is not done correctly as per the FCRA laws of investigating erroneous accounts I demand full deletion of the item in question. Thank you.
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I requested under:15 USC 1692g debt validation ( # 1. ) production of original contract signed by me agreeing to be responsible for debt, ( # 2. ) proof of debt assignment ( how & when company was assigned and granted authority to collect debt, a complete account and payment history of the debt in question, and proof that no insurance company or any other entity has granted payment to creditors, no insurance claim has been made and paid, and not tax write off has been granted for the amount of ye allowed debt. 15 USC 1681 the credit reporting agencies have a duty to accurately reflect correct info, this info is not correct, I was a XXXX child who never knew about or understand what this debt is, I could not legally and never entered into any agreement to be responsible for this debt, Creditor is fraudulently reporting knowingly erroneous info against my credit file/report. I have nothing to do with this account. I clearly was a minor who NEVER know about or agreed to anything with XXXX XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX
Consumer complaint received 2024-05-29
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)

Dispusted and called company in XXXX account was closed but still on credit report. This is inaacurate. I tried disputing with experian but they have done nothing to help. I have reported ID theft already. See my other complaints with other companies
Consumer complaint received 2023-09-11
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. (PA)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
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: Experian Information Solutions Inc. (AZ)

FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.
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: Experian Information Solutions Inc. (CT)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX  XXXX Balance : {$0.00} DEPT OF ED XX/XX/2023
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

I no longer wanted my JCPenney account. I have been building my credit and doing very well. I paid my entire balance on my JCPenney card and it was XXXX balance owing. 
Approximately XXXX month goes by and Synchrony is charging me XXXX dollars as a fee to give me a balance of XXXX?? 
I believe they would try to charge me XXXX dollars a month to tell me I owe XXXX. I really do not like Synchrony. I think they are very crooked.
Consumer complaint received 2024-05-06
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)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the XXXXredit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-06
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. (CA)

I am writing to dispute the inaccurate reporting of fraudulent accounts on my credit report, which constitutes a clear violation of the law. Upon contacting the respective banks, it was confirmed that an error occurred. Furthermore, assurances by the banks were provided over the phone that the accounts would be promptly removed. Moreover, XXXX and XXXX no longer reports these accounts on their bureaus after the submission of the required FTC report. I am curious on what kind of method of verification and investigation you did to continue reporting these accounts on my report by your bureau. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. Please DELETE these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act: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 an account without my written instructions.
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: Experian Information Solutions Inc. (CA)

I am formally disputing and requesting the correction of inaccurate data on my credit report regarding late payments. It is crucial that these accounts are corrected to accurately reflect the payments and that any erroneous information is rectified promptly. 

Regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable timeframe. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments. 

I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness.
Consumer complaint received 2023-05-17
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. (NC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.