davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Have been having issues with TransUnion for about 2 years Have been a premium paying member. 

I was locked out and have not been able to access the account I paid for My credit report has been UNFROZEN for over a year -- - I'M VERY CONCERNED Called TU today ( XX/XX/2024 ). Gentleman said he was " unable '' to help me and promised a supervisor would call me back TODAY... 

I RECEIVED NO CALL AS PROMISED FROM TRANSUNION AS PROMISED AND MY CREDIT PROFILE IS NOW AT RISK DUE TO THEIR NEGLIGENCE PLEASE HELP!!!
Consumer complaint received 2024-04-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Finance Direct LLC. (OH)

XXXX XXXX XXXX sold me a treatment to straighten my sons teeth. They advertised a Lifetime Garuntee, if there were any issues with the trays, we could have him refit. We got halfway through the XXXX XXXX XXXX XXXX XXXX total, and the trays would no longer fit. I called XXXX and found they shut down and would no longer honor their contract. Then I began receiving bills from Health Care Finance Direct that I owed the full amount of XXXX XXXX for the treatment, I do not have a XXXX issue paying for the half that I used, but I WILL NOT pay for the XXXX that he could not use because they do not fit and XXXX XXXX XXXX is in breach of their contract.

I have sent several letters via certified post to the HFD and have received no communication back, aside fro a letter stating I owed the full amount and that they are now threating to send me to collections. HFD is not the creditor XXXX XXXX XXXX, they are the collector of payments, XXXX XXXX XXXX  is bankrupt. Until someone reaches out to me VIA phone and updates the amount, they will not receive one cent from me, as that is fraud.
Consumer complaint received 2024-05-10
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. (CA)

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Consumer complaint received 2024-05-10
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. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-03-10
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: Experian Information Solutions Inc. (NC)

Experian is reporting inaccurate information on my credit file, I called to try and clear it up and the agent got really rude with me and wouldnt transfer me to her supervisor. I have unauthorized inquiries and late payments that should'nt be on my credit file. 

The phone call with the rude employee happened XX/XX/2024 AROUND XXXX XXXX She said her name was XXXX and the number I called that got me to her was XXXX
Consumer complaint received 2023-11-07
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: EQUIFAX, INC. (PA)

I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. 

XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
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. (MA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with TRANSUNION.COM, XXXX XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-02-22
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. (CA)

I noticed there was a XXXX on my consumer report filed on XXXX, I contacted the XXXX court and they stated " they do not report to credit agencies '' I wrote to each credit agency and requested information on how did they receive this information. They never responded. Also this year will be the XXXX year this XXXX has been on my consumer report. Please investigate and provide proof with statements showing that this XXXX was obtained legally. Also the statue of limitations/time allotted for this reporting has expired. If proof can not be provided, I demand this XXXX be removed for both reasons. Thank you! Please see screenshot attached.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank decreased my limit a second time for no reason and hurting my credit score bringing points down. The notice from XXXX below. This is the second time Sychrony Bank has done this on me. I make at least my minimum payment every month. Synchrony Bank is extremely predatory, and something needs to be done with their practices. I have seen a lot of complaints from other consumers in regard to this and other predatory practices. 
My limit started of with XXXX. 
My Notice by XXXX : Between XX/XX/2024 and XXXX XXXX, XXXX, the limit on your XXXX credit card decreased by {$310.00} from {$1900.00} to {$1600.00}. 
A drop in your credit limit can lead to a higher Credit Card Utilization rate, even if your balance doesn't change.
Consumer complaint received 2024-02-22
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. (CA)

I noticed there was a bankruptcy on my consumer report filed on XXXX, I contacted the bankruptcy court and they stated " they do not report to credit agencies '' I wrote to each credit agency and requested information on how did they receive this information. They never responded. Also this year will be the XXXX year this bankruptcy has been on my consumer report. Please investigate and provide proof with statements showing that this bankruptcy was obtained legally. Also the statue of limitations/time allotted for this reporting has expired. If proof can not be provided, I demand this bankruptcy be removed for both reasons. Thank you! Please see screenshot attached.
Consumer complaint received 2024-05-10
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. (MA)

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Consumer complaint received 2024-05-10
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. (OH)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-04-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Statebridge Company (CA)

( 1 ) I want to start a new complaint against this company that had no license to collect and do business doing so and is called XXXX XXXX XXXX XXXX, they claim they have the right to collect on a debt already paid through President Obama 's Making Home Affordable Program created in XXXX to help homeowners with their Mortgages and avoid foreclosure and have a more affordable monthly payment. ( 2 ) We entered into a Loan Modification in XX/XX/XXXX and the amount this company is trying to collect was {$87000.00} and was forgiven. Now this company named STATEBRIDGE LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX is stating that they are now collecting for XXXX XXXX XXXX XXXX. ( 3 ) We strongly believe and have seen on the news that this company is like the last company that had acted as a Zombie Loan and was collecting our mortgage payments. The amount the letter states they claim is {$100000.00}, which may be incorrect since we were forced to pay and had to hire an attorney to stop the Foreclosure. ( 4 ) We have been giving XXXX XXXX XXXX XXXX payments, the money amount is the same as XXXX XXXX XXXXXXXX is charging as the interest of {$87000.00} we have all the substantiation to prove that this is paid off and can send proof upon request.
Consumer complaint received 2023-03-28
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
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. (MN)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank decreased my limit a second time for no reason and hurting my credit score bringing points down. The notice from XXXX below. This is the second time Sychrony Bank has done this on me. I make at least my minimum payment every month. Synchrony Bank is extremely predatory, and something needs to be done with their practices. I have seen a lot of complaints from other consumers in regard to this and other predatory practices. 
My limit started of with XXXX. 
My Notice by XXXX : Between XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the limit on your SYNCB/LOWES credit card decreased by {$310.00} from {$1900.00} to {$1600.00}. 
A drop in your credit limit can lead to a higher Credit Card Utilization rate, even if your balance doesn't change.
Consumer complaint received 2024-03-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ASTA FUNDING INC. (MT)

I was not served and there was alien put on my property. From my calculations, I have paid off the debt which I was only the cosigner on. Company has failed to collect from the main borrower. They garnished my wages for years and I owe them nothing.
Consumer complaint received 2024-05-10
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. (CA)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX, XXXX, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, CA, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-08-21
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts : XXXX. XXXX balance. {$7800.00}. XXXX. XXXX XXXX  balance. {$1400.00}. XXXX. XXXX  balance. {$720.00}
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-05-10
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)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance
standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$6500.00} XXXX XXXX - XXXX {$2400.00} XXXX XXXX - XXXX {$410.00} XXXX XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX - XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX {$6500.00} XXXXXXXX XXXX XXXX XXXX XXXX {$680.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$5600.00} XXXX XXXX XXXX XXXX XXXXXXXX {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXXXXXX {$6000.00} XXXX XXXX XXXX XXXXXXXX {$10000.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} XXXXXXXX XXXX XXXX XXXXXXXX {$6000.00} XXXX XXXX XXXX XXXX {$1400.00} XXXXXXXX XXXX XXXX XXXXXXXX {$38000.00} XXXX XXXX XXXX XXXXXXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1800.00} XXXX - XXXX XXXX - XXXX {$120.00} XXXX & XXXX - XXXX {$810.00} XXXX XXXX XXXXXXXX {$9300.00} XXXX - XXXX XXXX XXXX XXXXXXXX {$3900.00} XXXX XXXX XXXXXXXX {$6500.00} XXXX - XXXX {$5600.00} XXXX XXXX XXXXXXXX {$680.00} XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX$10000.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
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)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX  - XXXX, XXXX - XXXX, XXXX  - XXXX XXXX  - XXXX XXXX  XXXX XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX - XX/XX/year>