davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
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: Bread Financial Holdings, Inc. (MO)

I have had an issue with having a payment credited to my Big Lot's/Comenity credit card account. My credit union changed their bill pay system and my original info for paying the bill was lost. I paid Comenity but mistakenly did not include my account number. The check from my account was cashed but I was never credited the payment. Comenity sent me late notices, I responded with the evidence that the check was cashed and I was not credited. This happened in XXXX 2023. I am attaching the correspondence. I disputed with XXXX and XXXX responded that Comenity was correct. I did have a late payment for XXXX as this dispute was going on and I did not realize that I still owed approximately {$30.00}. I just paid that amount {$30.00} ) through my credit union and am waiting for Comenity to cash that check. Comenity reported me late the original amount that I am disputing ( {$200.00} ) and I think for the months of XXXX 2023.
Consumer complaint received 2024-05-19
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. (NY)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-04-23
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. (GA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-06-18
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. (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  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 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 2024-06-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (KY)

I opened an account with Truist bank and deposited a {$12000.00} dollar check from The IRS. They gave me XXXX something of it and put a hold on XXXX of it. The next day I go to log into the app and couldnt so I call customer service and they tell me my account was closed due to Fruad!! Fraud team told me theyre holding the remainder of my check in their reserves. Basically taking money I had waited to receive from the IRS for 4 years! All government checks can be identified by the check number. I dont understand how I committed fraud in any way. I seen trust has done this to a few people on XXXX as well.
Consumer complaint received 2024-06-18
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: SYNCHRONY FINANCIAL (AZ)

I was added to a Sams club credit card as an authorized user. They then ran a hard inquiry on my credit without any proper information. I did not give them my Social Security Card or any personal information. Nor was I given an option to get a hard inquiry on my credit. After speaking with a representative of the bank that distributes Sam credit card they were just as confused on the hard inquiry on my credit.
Consumer complaint received 2019-06-17
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. (FL)

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
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. (NV)

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 # XXXX Account name : XXXX XXXX XXXX # XXXX XXXXXXXXXXX Account name : XXXX. XXXX, XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 report by more than seven years.

According to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are suppose to 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 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am lodging this complaint personally. After examining my credit report, I found instances of late payments. Despite sending inquiries over 30 days ago, I have not received a response nor satisfactory validation. I respectfully seek your assistance in rectifying this issue.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was a student working full time and going to school so I was just getting by paying bills. I would be charged crazy over draft fees of {$35.00} every time I went over. And by over I mean a {$1.00} at most {$10.00}. They opened a cash rewards with my debit card that I had no clue about until I looked on my app one day and thought it was kind of weird. I had a credit card with them. My limit was {$500.00} and all of a sudden it went up to {$5000.00} in two weeks. I had to pay {$8000.00} because of the interest that would be made on it after using that money. My checks would deposit late. I dont remember dates but I have been out of a lot of money because of all of this.
Consumer complaint received 2019-06-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: First Investors Servicing Corporation, Atlanta, GA Branch (CA)

Since I submitted my most recent inquiry via fifsg.com site I do not have a copy of my inquiry but to get started I was asking them about my XX/XX/XXXX payment. 

They replied : Thank you for contacting customer service. Per our records we show that your last payment was received on XX/XX/XXXX and processed on XX/XX/XXXX. We gave you the credit for the date we received it as opposed to when it was processed. 

Notice how they make it sound like they've done me a favor by posting my payment on XX/XX/XXXX? But it's still incorrect. Here 's my response to them You completely missed my point. 
By law you have to give me credit the day that my payment is received and that payment was delivered to you on XX/XX/XXXX therefore you owe me 4 days interest. This is only the beginning ... 

You guys also messed up on my XXXX payment that check was dated XX/XX/XXXX it was delivered to you on XX/XX/XXXX and you didnt post it until XX/XX/XXXX therefore you owe me 3 days interest. 

XX/XX/XXXX payment the check was dated XX/XX/XXXX it was delivered to you On XX/XX/XXXX yet you guys didnt post it effective until XX/XX/XXXX therefore you owe me 4 days interest My XX/XX/XXXX payment the check is dated XX/XX/XXXX and it was delivered XX/XX/XXXX yet you didnt post it effective until XX/XX/XXXX therefore you owe me 2 days interest My XX/XX/XXXX payment check is dated XX/XX/XXXX it was delivered to you on XX/XX/XXXX you didnt post it effective until XX/XX/XXXX therefore you owe me 3 days interest My XX/XX/XXXX payment check is dated XX/XX/XXXX it was delivered to you on XX/XX/XXXX he did not post it effective until XX/XX/XXXX therefore you owe me 3 days interest My XX/XX/XXXX payment the check is dated XX/XX/XXXX it was delivered on XX/XX/XXXX you didnt post it effective until XX/XX/XXXX therefore you owe me 1 day interest I sent a principle only payment of {$1500.00} that check is dated XX/XX/XXXX it was delivered on XX/XX/XXXX but you didnt post it effective until XX/XX/XXXX therefore you owe me 3 days interest My XX/XX/XXXX payment my check is dated XX/XX/XXXX it was delivered to you on XX/XX/XXXX however you did not post it effective until XX/XX/XXXX therefore you owe me 2 interest My XX/XX/XXXX payment my check is dated XX/XX/XXXX it was delivered on XX/XX/XXXX however you didnt post it until XX/XX/XXXX therefore you owe me 3 days interest My XX/XX/XXXX payment my check is dated XX/XX/XXXX it was delivered on XX/XX/XXXX but you did not post it effective until XX/XX/XXXX therefore you owe me 2 days interest. 

So stop being a smart XXXX and figure out what youre gon na do about the money you owe me thank you
Consumer complaint received 2024-06-10
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 am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
Consumer complaint received 2019-06-17
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. (RI)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft UNIVERSITY OF XXXX IS XXXX
Consumer complaint received 2024-06-09
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. (GA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it. Dispute letters were sent out.
Consumer complaint received 2024-06-10
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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 XXXXXXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX "
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$2200.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Consumer complaint received 2024-06-10
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. (TX)

I am writing to demand the removal of XXXX XXXX Account XXXX from my credit report. XXXX XXXX informed me that they had been told the credit agencies to remove this account from My Credit report due to the inaccuracies ; however, it was never removed from XXXX or Transunion. This account must be disputed and removed from my credit report due to all inaccuracies.I have submitted multiple fraud reports for this account to be removed and disputes. Transunions customer service requested for me to turn in the full XXXX  report in order for this account to be removed due to Fraud. That has been done. I attached the full report to this letter. By law, an XXXX works when fraud is involved and the account needs to be removed immediately. We go by the law. 
Previously, this account has been removed for fraud and re-added because XXXX XXXX illegally changed the account number for this account. I contacted Transunions customer service on the phone and they thought this was a brand new account. Please review my XXXX XXXX account history and you will see that this is the same account that was previously removed by Transunion, just with new account numbers. 
These items were deleted and you added them back without sending me a letter informing me that it was added back within the 5 day legal time frame after you added it back. You also never provided me with the information used to validate this fraudulent account account to 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This account must be removed immediately. If not, My attorney & I will take the necessary steps to ensure I receive all compensation for this horrific injustice regarding my credit report through a lawsuit. 
Secondly, THIS ACCOUNT IS REPORTING TWICE TO MY CREDIT REPORT AS I HAD PREVIOUSLY DISPUTED THAT AS WELL. THIS SAME ACCOUNT IS SHOWING TWICE ON MY CLOSED ACCOUNTS. 
I AM READY TO SUE AS I HAVE DONE MY BEST WITH BEING PATIENT WITH XXXX XXXX AND THE CREDIT BUREAUS. 
REMOVE THIS ACCOUNT FROM MY CREDIT, SHOWING IT TWICE IS A COMPLETE VIOLATION. THIS ACCOUNT HAS COSTED ME TOO MANY LOSSES
Consumer complaint received 2019-06-17
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)

These accounts are not mines, not sure if they are mixed up with someone with a close name or just an clerical mistake ..but please remove these accounts immediately. 

1 ) XXXX XXXX {$1000.00} 2 ) XXXX XXXX XXXX {$83.00} 3 ) XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX
Consumer complaint received 2019-06-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Sent dispute letters to XXXX, XXXX  & Equifax asking for verification ( original wet live signatures ) on ALL ACCOUNTS on credit report. No information was provided on how accounts where verified, did not receive original wet live signature contract copies as requested on dispute. 

On XX/XX/2019 dispute letters where received by all 3 credit bureaus mentioned above. 30 days after receipt I was given no information on how the accounts on my credit report where verified nor was I given a copy of a wet live signature that binds me into contract with any of the accounts reporting on my credit file. I have attached a photo of the certified mail receipts.