davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXXXXXX 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 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
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (MA)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a creditor account under an open end consumer credit plan as late for any purpose.
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. (FL)

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 emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XX/XX/year>
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)

Despite making timely payments, the report indicates two late payments. It's crucial for consumer reporting agencies to maintain complete accuracy in their reporting. However, this account has never been late on payments. I've enclosed a copy of my report for your reference, highlighting the discrepancies dated XX/XX/XXXX and XX/XX/XXXX. I kindly request a thorough investigation into this matter and urge you to provide verifiable evidence supporting the alleged late payments. 

I am now requesting proof of the previous investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.
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. (MA)

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 stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX is reporting inaccurate and incomplete information on my consumer reports. I demand that XXXX XXXX XXXX update my account as never late always on time 100 % payment history. XXXX XXXX  is stating I didn't make a payment but on transunion and experian it shows im always on time never late account in positive standing. this is damaging my XXXXredit score and my ability to get credit. this is also defamation of character please fix these issues asap. 15 USC 1666b Timing of payments states no late payments exist in a consumer report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my follow up complaint i filed last 15 days ago I noticed some late payments/inaccurate information posted on my consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
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. (MD)

I am doing a follow up regarding this inaccurate reporting that occurred in my credit report. Per FCRA section 605 you are required to remove any items listed on an XXXXXXXX XXXX XXXX # XXXX. Ive already included this issue in a previous letter and report, & I am including it again here with a new FTC report # XXXX. Ive informed my attorney of my intentions & they are excited to hold you accountable in an event of your willful noncompliance : EXPERIAN : XXXXXXXX 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 XXXXXX/XX/XXXX . Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an alleged incorrect reporting activity. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days.
Consumer complaint received 2023-08-25
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AP)

I applied for benefits via EDD and was approved they have been depositing funds to my prepaid debit card. Due to the fact that I lost my card I had to request a new card Bank of America. I have called and requested a card several times to let them know that the address they have for me on file is not correct and it does not match what EDD has, they tell me that they have no control and they have the address EDD provided them. EDD tells me to contact bank of america.
Consumer complaint received 2023-09-17
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)

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 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 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After reviewing my credit report as well as knowing the laws when it comes to credit, looking at according to FCRA section 605b it is illegal to report information on my credit report without my permission. 

XXXX Account Number : XXXX is violating my fair credit rights according to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-10
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. (FL)

I am a victim of identity theft. TransUnion has added accounts to my credit report without a permissible purpose and without conducting a proper investigation to ensure that the information they were receiving was in fact accurate. Their failure to follow the rules created for them by congress under the fair credit reporting act has ruined my reputation, cost me actual damages and financial hardship! This is unfair!!! TransUnion has failed to honor my right to privacy by allowing access to my credit report without a permissible purpose.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

Since XXXXXXXX XXXX XXXX  I have been trying to find a finance solution to save my house from foreclosure. I want to sell my house and get a new house and mortgage. I have tried for months to get a security freeze lifted from my account. I have also tried to get a copy of my report because I believe there is an error in my name which is causing all of the issues. But I am unbale to access my online Equifax account. I have sent my ID and SSN card XXXX times to XXXX different XXXX XXXX XXXX that are listed on Equifax website as to where to send disputes and requests. But to no avail. 
I am desperate here. We have to downsize our house or we will lose our house. We are running out of savings are are in a desperate situation only because Equifax will not release my credit report to myself or any lender because they say there is a freeze on the account and therefore they say they can't lift it but every lender says there is XXXX. I will have to seek an injunction on the company as my next action as I am about suffer irreputable harm. We are also filling a compliant with the FTC and department of justice as I believe these actions by Equifax are solely motivated by race.
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. (TN)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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
Consumer complaint received 2024-07-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Credence Resource Management, LLC (IL)

This company used two different numbers to call me from one for a student loan and an auto loan which neither are late or delinquent on. But this company insisted that they would seize my car and arrest me at my home or where I work if I did not comply with them. I asked them for proof and they said I already had the proof. That is when they hung up. They still continue to call me. I block the number but they just call me from another number. This is so crazy. I could see if I wasn't paying my bills but I am. The two numbers are XXXX.
Consumer complaint received 2024-01-28
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. (NC)

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.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-09-17
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. (FL)

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 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 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OR)

XX/XX/2023 I deposited a payroll check via mobile app to Chase Bank. The check has been on hold since and my account is restricted from deposits and withdrawals. Multiple deposits are now in limbo because of their error.
Consumer complaint received 2024-07-13
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. (CT)

Experience Credit reporting as continually did violation of my fair reporting Credit act by way of, 15 use 1681 ( A ) 1-4 ( b ) it insured me that late payments and transactions are not part of the credit reporting report. Under my credit reports : XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX XXXX  # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX # XXXX Also my rights to a accurate account with only my name as seen on my ID and address envelope
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (VA)

On XX/XX/year> - I attempted to make a payment to the XXXX Credit card, owned by Goldman Sachs. The primary ( maybe only way ) to make a payment to this account is through the iphone wallet application. I attempted to make my payment via this wallet app for about XXXX minutes prior to the payment deadline on XX/XX/year> @ XXXX. This effort failed as the application was down. I immediately called in to the Goldman Sachs XXXX  card number - prior to the payment deadline. Apparently - I was not the only XXXX having this issue- as the phone lines were overloaded I waited on hold for XXXX minutes and as soon as I got ahold of a representative, I was able to make my payment in full. 

I recall I inquired of the representative whether or not I would be charged a fee for this and she said no. However, I come to learn I was charge approximately {$60.00} of interest. I have since called in to request the back dating of this payment- for the reasons stated above- with no success. 

Goldman Sachs admits that I called in prior to the payment deadline, however, Goldman Sachs did not credit my payment until XXXX - over XXXX hours after I called in. It appears that XXXX 's systems were having an issue that day ( I am not sure how widespread ) as there was an extended hold time- which seems odd slightly before midnight. It seems to me that Goldman Sachs is abusing their customers by not having enough people to answer the phones to process payments when the system is down for the purpose of charging their customers more interest. And completely ignoring their customers when they call in to have situation corrected. 

I raised all these concerns with the representative- who was tasked with investigating these issues. It became clear that this agent had no authority to provide any relief over {$25.00}. The XXXX  representative suggested I kept calling back in to find someone who could assist me. The XXXX  representative said that they don't have the authority to provide any relief over {$25.00} - and that I should actually file a complaint with the BBB and CFPB which I am doing here- as the people who receive these complaints of more authority. 

The agents I spoke with essentially agreed with me and my issues but said they didn't have the authority to fix this. XXXX of the agents even suggested I come here to file a complaint as the people who review these complaints have more authority then they did. 

I am requested this payment be backdated to XX/XX/year> - so all interest is reversed. 

XXXX XXXX
Consumer complaint received 2024-05-15
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: Experian Information Solutions Inc. (MD)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.