davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AL)

Some " minor '' credit reporting agencies like XXXX XXXX  and XXXX have started putting inquiry freezes by default and in my case, that's what happened but I didn't know about these companies at all, knowing only the big three : XXXX, Equifax and XXXX. I applied for a credit card last summer and was denied on the basis that a freeze was placed on my account but they didn't specify where. I contacted the big three via their web portals and confirmed that I had no freezes so I contacted XXXX XXXX to run the inquiry again, and again it came back with a freeze on some account. I was urged to try contacting them by phone and I did, they ran it again and it was still frozen so I gave up. That accounts for the 3 hard inquiries in XXXX with XXXX. They I applied for the same premium credit card last week which also happened to be XXXX and same thing happened but this time they sent a letter mentioning XXXX XXXX and XXXX so I did it online, had them try again and it still failed. The rep at XXXX said that sometimes their online portal didn't work and I needed to call them so I did, tried one more time and it went through. Note that I am an extremely active credit customer with an XXXX score and I monitor my activity carefully but my issue is that I contacted Equifax to dispute all but one of the inquiries and ultimately to request that redundant inquiries are removed and they denied it saying " The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' This is atrocious. Because other credit reporting agencies had my credit frozen without my knowledge, I have XXXX hard inquiries and Equifax provides no method to resolve this that I haven't explored. The rules need to be changed and I the consumer shouldn't suffer an inferior credit score all because Equifax refuses to communicate with me about it and because 2 fly by night minor agencies did things without my knowledge. Based on my Equifax credit report, XXXX has inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All but one of these should be removed as they were all done for one line of credit. Furthermore XXXX mortgage credit had the same thing on a smaller scale and I have hard inquiries by them on XX/XX/XXXX and XX/XX/XXXX. All but one of these should be removed as they were for the same HELOC application.
Consumer complaint received 2024-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PLEASE REMOVE AND DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES : 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 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 XXXX XXXX XXXX XXXX I AM A VICTIM OF IDENTITY THEFT
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.

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 and 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 who knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-21
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)

these accounts was charged off on the following date XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX n it was charged off multiplies times up until XX/XX/XXXX, XXXX  acct number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charged off XX/XX/XXXX n it also was charged off multiply times last time was XX/XX/XXXX, XXXXXXXX XXXX XXXX acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was charged off XX/XX/XXXX multiple times until XX/XX/XXXX, XXXX XXXX first charged off XX/XX/XXXX charged off multiple times until XX/XX/XXXX since these accounts has repeatedly been updated as charged off every month, this is an update in payment history a charge off account should not include payment history this is innaccuate information falsely manipulates the statue of limitations you failed to investigate these account properly and your neglect has violated my rights I am demanding a deletion of the following accts that I have included above
Consumer complaint received 2024-01-12
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)

In accordance with the Fair Credit Reporting Act, the accounts and inquiries listed below have violated my federally protected consumer rights to privacy and confidentiality under 12 CFR part 1022, 15 U.S.C. 1681 ( a ) ( 4 ), and 15 U.S.C. 1681b ( a ) ( 2 ). I never expressed a written or verbal consensus granting permissible purpose to publicly report the listed accounts and inquiries. Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
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)

In accordance with the Fair Credit Reporting Act, the accounts and inquiries listed below have violated my federally protected consumer rights to privacy and confidentiality under 12 CFR part 1022, 15 U.S.C. 1681 ( a ) ( 4 ), and 15 U.S.C. 1681b ( a ) ( 2 ). I never expressed a written or verbal consensus granting permissible purpose to publicly report the listed accounts and inquiries. 

Accounts : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-12
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 reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any inquiries which is found to be fraud due to identity theft. The dispute inquiries do not belong to me. Please remove these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-22
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXXXXXX XXXX  dealership ran my credit report multiple times without out my permission with different banks Between XXXX and XXXX. I reached out the dealership and the XXXX XXXX XXXX.
Consumer complaint received 2024-06-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

XX/XX/XXXX - we were notified by phone call the there was suspicious activity in our business bank account. Someone tried to XXXX money out. Accounts were closed. 
XX/XX/XXXX -went in person to our local Truist branch, met with XXXX XXXX XXXX XXXX XXXX had closed both of our business accounts. New accounts were opened. 
XX/XX/XXXX -account was hacked again so we went to bank met with XXXX XXXX. At them time he told us that our initial money market account ( ending in ... XXXX ) had been hacked with XXXX XXXX payments for {$20000.00} and for {$10000.00}. This was from the account that had been closed the day before. Unlike other XXXX transfers we never received a code for third party authorization. 
We were told that Truist was able to stop the {$20000.00} transfer, but that the {$10000.00} transfer was at the point that they could not stop it. 
We were ultimately told by Truist it could take 90 days to recover those funds. 
XXXX XXXX : XXXX We had XXXX months of fruitless discussions with their fraud department, where we never spoke to the same person twice. Ultimately on XX/XX/XXXX we received a letter, unsigned, stating " This letter is to inform you that we have concluded our investigation and were unable to recover the funds that were transferred from the account. ''
Consumer complaint received 2024-07-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (PR)

On XX/XX/year> I requested a {$12000.00} withdrawal from my savings account on Marcus by Goldman Sachs bank to my linked account. On XX/XX/year> I called the bank because I noticed that the transaction was reversed. I explained the situation and they transferred me to other departments multiple times and after an hour they finally told me that my transaction was reversed because of a security issue. They said that the information that I provided to verify my identity didnt match with the information that they have on file. I told them that they never asked me anything to verify my identity. Then they asked for my mother name and I provided the information and apparently I got that answer wrong. Then they said that they have to send paperwork by mail and Ill have to get that notarized. They froze my account and I have no access to it. I called them multiple times after that day and asked for a supervisor which they said that they dont have one at the moment and a supervisor will contact me between 2 to 5 business day but that never happened. I still calling them and told them I want my money and I want to close the account but I cant because they cant verify my identity. Today is XX/XX/year> and I still dont get the paperwork and apparently it was sent on XX/XX/XXXX.
Consumer complaint received 2024-01-12
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 reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2018-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: STERLING JEWELERS, INC. (PA)

I am having a lot of issues with XXXX XXXX/ XXXX XXXX XXXX store card account. I have charges on my account that I know are not mine and XXXX XXXX will not dispute accordingly to my standards. They sent me a letter in the mail stating the process is in dispute, then three days later they stated in another letter that the dispute is now closed and that I owe more money than what is actually on my account stated. This all doesn't make sense. I informed them that I will not be paying for something that is not mine. Also they have no proof of the purchases, how is this my problem? Also they state that they will not credit my account and I owe {$2000.00} on the account when it states {$1700.00} is on my account. This is clearly a mistake. I have no other option to rid this debt on my behalf. My account is closed with them also I will not be doing business with this company ever again in my life. I was treated poorly, unfair, unprofessional. I was laughed at on the phone by 2 of the customer service people. This is a serious situation and I will not be out thousands of dollars to their stated amount that I owe, in which I do not owe a cent to XXXX XXXX
Consumer complaint received 2023-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (TX)

ONLINE INFORMATION SERVICES is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1300.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2024-01-12
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)

In accordance with the Fair Credit Reporting Act, the accounts and inquiries listed below have violated my federally protected consumer rights to privacy and confidentiality under 12 CFR part 1022, 15 U.S.C. 1681 ( a ) ( 4 ), and 15 U.S.C. 1681b ( a ) ( 2 ). I never expressed a written or verbal consensus granting permissible purpose to publicly report the listed accounts and inquiries. 

Accounts : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (LA)

Upstart ( XXXX XXXX XXXXXXXX ) sent a letter offering rates starting at 7.8 % APR. Upon moving forward with the process, they offered 24 %. When I moved the slider to the lowest loan amount, it was still 20 %. They shouldnt be allowed to advertise a low APR if they arent willing to give that to the most qualified borrower.
Consumer complaint received 2024-06-03
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. (MI)

XXXX, Experian, & XXXX are reporting a late payment on my consumer report from XXXX Credit Card but did not provide any evidence I was indeed late. FCRA states information must be validated before it is able to be reported. Neither consumer agency provided necessary documentation to confirm I was late. This is my final attempt to resolve the matter or I will sue each consumer agency. 

( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Halsted Financial Services, LLC. (TN)

I received a call from XXXX XXXX XXXX XXXX, threatening me to pay money from rapid cash or I would go to jail. They also said they bought the information from Calvary portfolio services. when I called Calvary portfolio services they claimed they were a Credit repair company and had no idea when I gave them the information to prove that they stole my identity and gave it to an XXXX call center using XXXX XXXX XXXX as their business contact point. Calvary portfolio services immediately says they gave that information to them yet they are not liable for what they do with it. This is identity theft at its highest. XXXX XXXX XXXX XXXX is using overseas call centers with private American information and asking for your Social Security number. This is highly illegal for both companies.
Consumer complaint received 2024-01-12
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
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. (MD)

My rights were violated. A charge off is a certificate of indebtedness and that is income. 
Income can not be reported on a credit report. 

5 USC 552a Per the Privacy Act of 1974 These agencies have continuously violated my request to remove the income off of my credit report causing me immense harm. They stated that they will continue to report the income on my report for 7 years.
Consumer complaint received 2023-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX has attempted to get me to pay a debt that I settled directly with Capital One Bank back in XXXX In summer XXXX, during a pandemic, they somehow reopened my settled debt with Capital One Bank and now refuse to remove the debt from my credit report which is causing me to be denied to open other credit cards and can potentially affect my capacity to rent a new apartment.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/22 I paid my Old Navy CC via XXXX  XXXX XXXX bill pay for the balance due of {$52.00}. Since then every month I have been billed for that balance and late fees. I have disputed on my credit report, I have called Barclays, I have escalated it, sent in proof of payment 3 times to 3 different places as instructed. They still will not credit my account and clear my credit report. Hours each month on the phone, starting over every month. 
Old Navy changed banks and my payment was sent to XXXX, who apparently did not forward to Barclays. Barclays acknowledged that XXXX will not take their carholders calls, and there is no valid number to call them. Barclays stated my payment was returned to me. XXXX  XXXX XXXX has advised bill pay payment can not be returned.
Consumer complaint received 2023-11-10
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: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-30
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've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.