davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I purchased items on a 24-year free interest promotion from Ikea and charged it to my Comenity Bank/Ikea Projekt card.. Then I purchased more items, but depending on the total new purchase amount, you either qualify for 24 months, 12 months or 6 months free interest. Now, as I am paying down my credit card bills, I always pay more than the minimum and I expected the extra payment to be allocated towards the balance that expires in 6 months - but that is not happening. I called customer service- and guess what- I was told that they used to be able to allocate, but nw they have been TOLD that they can not allocate and the system does it automatically. Well, the system, is not allocating it correctly. I had a minimum payment of {$500.00}, I paid {$700.00} - expecting the extra {$190.00} to be applied toward the 6-month promotional balance, but only {$33.00} was applied towards the 6-month balance- at this rate, I will never pay off the balance in 6 months, which allows them to charge me the standard APR of 21.99 %- which is clearly consumer fraud!!!! I have always paid off my balances well ahead of time to avoid the crazy interest rates that companies charge when the promotion expires!! This is the solution customer service had- which sounds asinine to me - apparently, when there is 60 days left in the promotion period, the system starts applying all extra payments to the promotion expiring in 60 days - so she advised me to put the extra money aside in a different savings account and pay off the balance 60 days before expiration - this is nuts!!
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I comprehend that as per FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I've observed discrepancies in several listed accounts, which is worrisome to me.
Consumer complaint received 2024-03-28
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. (RI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX  XXXX XXXX Account number XXXX
Consumer complaint received 2023-12-20
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd (MI)

Hello, In XX/XX/XXXX, I received the following message from Wise : " Hi XXXX, Thanks for your email. 

This email is to acknowledge that we have received your complaint regarding your bank account being linked to another Wise account that does not belong to you. If we havent understood your complaint correctly, please let us know. 

We are currently investigating the matter and consulting with the teams involved, and will provide you with an update as soon as we can. 

We will provide you with a final response regarding your case within 10 business days but given the nature of your case we will try our best to resolve this as soon as possible. '' I never received a message or response from Wise after this. Thus, I assume that my bank account is still linked to a Wise account that does not belong to me. 

This is pretty outrageous. I need to know that my account will be safe. I need Wise to cut the connection. They should have done this in XX/XX/XXXX, when I first raised the issue. 

I did everything I could in my communications with Wise, including sending documents of the bank account.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions off the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Account : XXXX XXXX XXXX Account : XXXX Open Date : XXXX XXXX, 2023 Delete the above account from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of XXXX XXXX XXXX. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-03-27
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)

I have thoroughly reviewed my records and have no association with the listed creditors. I did not initiate any application or authorize any party to request my credit information from your bureau on the mentioned date. This inquiry is not related to any financial transactions or accounts that I have opened or applied for.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I comprehend that as per FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I've observed discrepancies in several listed accounts, which is worrisome to me.
Consumer complaint received 2024-03-27
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. (GA)

Its been over 30 days the creditor hasnt update the information on my report or provided proof/ documents in regards to a late payment with the consumer XXXX XXXX XXXX ACCOUNT OPEN IN XXXX late payments reported on XX/XX/XXXX and XX/XX/XXXX. This must be deleted soon as possible. Under the federal law they had 30days to complete there investigation and fail to do so. I would like this be delet off my TransUnion, XXXX, equinox. Report. This is a violation of 15 USC1666B which is a violation of my rights
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I comprehend that as per FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I've observed discrepancies in several listed accounts, which is worrisome to me.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Without fail, I have ensured that payments on this account are made promptly, avoiding any instances of being overdue. The reasons behind the presence of late payment remarks on my accounts are unclear to me. As stipulated by 15 USC 1666b - Billing Error, corrections must be made.
Consumer complaint received 2024-03-27
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)

FCRA 605B, in my understanding, necessitates the deletion of any incorrect accounts from my credit report. Could you please review the documents? It seems that some of the listed accounts are inaccurately reported.
Consumer complaint received 2023-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (WA)

I was transferred from XXXX XXXX by Mr. Cooper to XXXX subserviced by Mr. Cooper on XX/XX/XXXX. 

Prior to being transferred a payment I made to XXXX XXXX was not applied to my account correctly. I had sent the check info the XXXX XXXX and they were eventually able to get the matter resolved, but I was transferred to XXXX before the matter was fully resolved. XXXX shows the payment was made but is still charging me the invalid late fee from XXXX XXXX even though on the XXXX XXXX side they have credited the late fee back. 

I tried to get XXXX to resolve this, but they refused to try, stating that the information they had was correct and that they would not contact XXXX XXXX to resolve the issue. I was unable to contact XXXX XXXX directly as when I called them it recognized my phone number and transferred my call to XXXX automatically. 

on XXXX  XX/XX/XXXX I called between XXXX PM XXXX, and spoke with a man whose identifier was XXXX. He refused to assist me, and only argued that I did own a late fee because it came that way from XXXX XXXX. I continued to explain the situation to him, but he refused to help. I explained the situation where I was being charge an incorrect fee several times, but he just kept refusing to do anything to assist.
Consumer complaint received 2024-05-16
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)

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 



XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : XXXX XXXX XXXX XXXX. fraudulent account XXXX XXXX Bankruptcy- XXXX XXXX XXXX. fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX CFPB XXXX XXXX
Consumer complaint received 2024-05-16
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I never received any notice that my insurance increased via my insurance company or mortgage company. Also, I always sent in over payments ( about $ XXXX ) to be applied to my escrow account in case my insurance or taxes increased. XXXX applied my over payment to the principal instead. I only found out my account was 30 days late due to needing information for my taxes ( on the XXXX day ). 

They said ( conversation recorded ) that they sent me messages via the XXXX. My screensaver shows no messages. They said that they left phone messages. My phone history shows no calls from XXXX. They said they emailed me, but also admitted my emails were coming back ( also recorded ). My email address has not changed in about 20 years. So, they inputted the incorrect email. 

I can show they held my {$2700.00} over payment on XXXX ( due by XXXX ), but never notified me of their {$24.00} shortage, or sent the check back. As far as I was aware, my payment went through my bank account 20 days before being late. 

Note : my other mortgage ( XXXX ) notified me of an increase, and I made the necessary changes.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I never received any notice that my insurance increased via my insurance company or mortgage company. Also, I always sent in over payments ( about $ XXXX ) to be applied to my escrow account in case my insurance or taxes increased. XXXX applied my over payment to the principal instead. I only found out my account was 30 days late due to needing information for my taxes ( on the XXXX day ). 

They said ( conversation recorded ) that they sent me messages via the XXXX. My screensaver shows no messages. They said that they left phone messages. My phone history shows no calls from XXXX. They said they emailed me, but also admitted my emails were coming back ( also recorded ). My email address has not changed in about 20 years. So, they inputted the incorrect email. 

I can show they held my {$2700.00} over payment on XXXX ( due by XXXX ), but never notified me of their {$24.00} shortage, or sent the check back. As far as I was aware, my payment went through my bank account 20 days before being late. 

Note : my other mortgage ( XXXX ) notified me of an increase, and I made the necessary changes.
Consumer complaint received 2024-05-16
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. (NJ)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX XXXX which is impacting my ability to sleep, causing problems at my job & creating unwanted XXXX  in my home life. The following items that you must remove are listed below : XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

please delete this items now I never received any response for the XXXX credit bureaus please delete XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-08-30
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. (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.

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 re
port 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 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have consistently made sure that payments on this account are made promptly, avoiding any instances of overdue payments. I am uncertain as to why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-08-28
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)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-28
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. (PA)

In accordance with thee 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, Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681Section 604 A Section 2 : also states a consumer reporting agency can not furnish account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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 consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate