davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Aqua Finance, Inc. (PA)

AQUA FINANCE INC. THIS COMPANY WILL NOT PROVIDE ME WITH INFORMATION ON THIS ACCOUNT DUE TO PERSONAL SECURITY QUESTIONS. I INFORM ALL THREE CREDIT BUREAU THAT THIS ACCOUNT IS FRAUDULENT AND PROVIDED An ACCURATE AND TRUE POLICE REPORT ON FILE SO THE CREDIT BREAU CAN PROVIDE THE INFORMATION TO THE NESSCACRY COMPANY AS REQUESTED
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (NY)

To whom it may concern I have these closed accounts with Discover Bank. DISCOVER BANK Closed on XX/XX/XXXX and DISCOVER BANK Closed on XX/XX/XXXX. Discover agreed to remove these off my credit report if I paid in full which I did. They had promised to remove from my closed accounts and would no longer report to transunion, XXXX and experian or any other credit reporting agency.
Consumer complaint received 2024-05-29
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Williams & Fudge, Inc (AK)

On XX/XX/XXXX debt collection agency contact family family member who who was not listed on the debt and released specific information about the debt and attempted to collect money from this family member. Contacted this same family member on XX/XX/XXXX and attempted to collect money a second time.
Consumer complaint received 2023-06-21
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX 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 a account without my written instructions.
Consumer complaint received 2024-01-16
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. (PA)

Formal Dispute of Closed/Charge Off Accounts and Request for Correction Credit Reporting Agengy I trust this correspondence finds you well. I am writing to formally dispute the inclusion of certain closed/charge off accounts on my credit reports with each of the three major credit reporting agencies : XXXX, XXXX, and TransUnion. 

Upon a meticulous review of my credit reports, I have identified closed/charge off accounts from the following institutions : XXXX XXXX XXXX XXXX XXXX {$3600.00} ) XXXX  XXXX ( {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX  ( {$940.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$420.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$46000.00} XXXX It is important to note that closed/charge off accounts are considered certificates of indebtedness and their associated income. According to established consumer protection statutes, particularly 15 U.S. Code 6802 and 12 CFR 1016.7, income derived from these closed/charge off accounts can not be reported on credit reports.

Furthermore, Title 5 U.S. Code 552a, commonly known as the Privacy Act, reinforces the protection of individuals ' personal information held by federal agencies. An " agency '' in this context refers to any executive department, military department, government corporation, government-controlled corporation, or other establishment in the executive branch of the federal government. This includes the right to ensure the accuracy, relevance, and completeness of records held by these agencies, particularly as they pertain to credit reporting. The Privacy Act underscores the importance of maintaining precise and fair information, giving individuals the authority to dispute and rectify any inaccuracies in their records.

Additionally, according to 5 U.S. Code 552a ( b ), Conditions of Disclosure, no agency shall disclose any record contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be Enclosed with this letter are supporting documents relevant to the aforementioned closed/charge off accounts, including my Federal Trade Commission ( FTC ) report. I appreciate your prompt attention to this matter and kindly request that you conduct a thorough investigation, ensuring compliance with the Privacy Act and other applicable regulations, and notify me of the results in writing please remove.

Sincerely,
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-03-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have contacted the 3 credit bureaus concerning late payments placed on my account from XXXX XXXX loan # XXXX. I was not late on my payments. I disputed with XXXX via mail XXXX. I requested XXXX send me proof of late payments and I was sent documents that did not clearly show a payment as late. I asked XXXX to remove these items and they say that they can not assist me in removing any negative reporting. All 3 credit reporting bureaus state they have verified but are not providing proof of such verifications. I have request multiple times over multiple years.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NJ)

I've been looking at my credit report lately because I am trying to get in position to buy a house. I noticed Discover reporting late payments on my report that is not at all accurate and this information is extremely damaging to my credit worthiness. I was taking a look at my card member agreement and noticed thatI have the right to arbitration in disputes. I am demanding Discover update these late payments asap as they are a violation of my consumer rights under 15 USC 1666b in which a creditor is not to report late payments. Also I do not give Discover permission to report any information to ANY third party that is adverse to me the consumer. Time is of the essence
Consumer complaint received 2024-01-16
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. (WI)

XXXX XXXX XXXX is a third-party reporting service reporting information without my consent. Per my bank 's privacy statement and terms and conditions, they will not share any information without consent to 3rd party and non-affiliated services. XXXX XXXX is co-owned by XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. 

This also violates my privacy under the Family and Privacy Act of 1974. You can not report any personal information without my consent. 

The Privacy Act protects individuals in three primary ways. It provides individuals with the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely, or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. 

XXXX XXXX will not allow me to opt out of their services. per XXXXSC 15 sections 6802 to 6805 I am able to opt-out if any such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never given an option or educated on XXXX XXXX XXXX.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX LAST NAME : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XX/XX/2023 I requested by letter that the 3 credit bureaus remove the the unknown companies with the collection accounts on my credit report. I have not opened any accounts with these companies. Only one bureau was updated, and one month later XX/XX/2023 my credit score goes down by XXXX points without any reason given. 

Company names : XXXXXXXX XXXX XXXXXXXX {$120.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$1600.00}
Consumer complaint received 2023-05-03
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. (TX)

This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TXXXXX XXXXXX/XX/XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX Balance : {$80.00} XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$80.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-16
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. (WI)

XXXX is reporting transaction history on my credit report and according to the Master Promissory Note they will not report transaction history. This is also a violation of my privacy under the Family and Privacy Act of 1974. You can not report without my consent. The Privacy Act protects individuals in three primary ways. It provides individuals with the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely, or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
Consumer complaint received 2024-01-16
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. (NJ)

The XXXX XXXX and XXXX has been trying to force me into a contract for financial gain without my consent! I NEVER signed a contract with this company. I NEVER gave this company my social security number ; this is Identity Theft! I have reached out with this company several times and no response!
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TRUIST FINANCIAL CORPORATION (FL)

My bank was called Suntrust at that time. While at the XXXX FL branch to open a safety deposit box account, a representative suggested that I apply for their credit card which offered a high credit limit, zero interest and zero minimum payments for a period of time ( 15 months ). I did. I activated my card around XXXX and started to avail of the offer to save on interest. A few months later Suntrust became Truist Bank. 

After about a year I started to look at my statement to check when the promo would end. All my statements from Truist Bank said - Intro period purchase APR : 0.00 % Intro period Balance Transfer APR : 0.00 % Intro Period Ends : XX/XX/23 I expected to start being charged interest effective XX/XX/23. To my surprise, on XX/XX/23, Truist charged me a full month worth of interest ( {$150.00} ). Ive called them, at least, 4 times, each call lasting anywhere from 1-1/2 to 2 hours at the end of each I would be told ( 1 ) When I called on XX/XX/23, after a long winded discussion, the representative told me that she got sent a message and got a response from their credit card department and she was told that there was an error and it would be fixed by the next statement on XX/XX/23. 
( 2 ) When nothing happened I called again on XX/XX/23 and after being transferred from one rep to another was told that the charge would be credited. Give it 7-10 business days ( 3 ) When nothing happened I called again on XX/XX/23 just to make sure it was still being processed. The fraud rep sent me to the credit card department and was told that the charge would be waived. Give it 3-5 business days.

( 4 ) When nothing happened I called again today, XX/XX/23. This time I was told that the escalation of my issue was denied and the rep on the phone said they could no longer escalate the issue ; like that's it. 

I have tried to resolve this over the last 1-1/2 months talking to various individuals at their customer service department, their fraud department and their credit card department. After hours of explaining the situation and each representative reviewing notes from prior calls, I eventually get assurances that this situation would be fixed until my call today, XX/XX/23, where I was basically told that their higher ups have denied the request- as if I was asking for a special favor. I'm just trying to make this right. Now interest is being charged against the fraudulent interest charge of {$150.00} as it continues to sit in my account balance. 

This isnt a big amount to them but it is to me. Any assistance you can extend would be much appreciated. Thank you.
Consumer complaint received 2024-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, while I was XXXX my home was broken into and my wallet/ bank card and other personal information were stolen. And my bank card was fraudently being used. Apon my release I contacted b.o.a and filed a claim. Ive filed a police report and I've also filed a FTC identity theft report as well. 
I faxed a copy of my XXXX XXXX that was provided XXXX XXXX XXXX that shows my date of XXXX and a date that I was to be released.. I faxed a police report and the FTC report as well. Bank of America keeps denying my claim showing no support for their decision. I provided more then one documents that support my claim. And I feel b.o.a is not honoring there 0 fraud liability.
Consumer complaint received 2023-05-03
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: EQUIFAX, INC. (CA)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2019 Balance {$10000.00}
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (HI)

Hi, I have gotten a notice from XXXX  stating my student loan that I had with them of {$28000.00} has been paid in full, I also have an online account with XXXX and still till today, when I log in, it's stating that my balance that I owe is {$0.00}. Per XXXX they had reached out to all three credit report bureaus to inform them of this information. XXXX and XXXX has showed the correct update of that balance of {$28000.00} being paid in full but XXXX is still showing that I have a balance with XXXX XXXX XXXXXXXX of {$28000.00}. I've been calling and speaking with the rude agents at XXXX and they are stating thaXXXX XXXX had updated them on XX/XX/23 stating that I still have a balance with them which is incorrect. At this point I don't know what to do, I'm literally being tossed around and getting absolutely no where. I would gladly appreciate if you can please help me with this issue. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-04-08
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. (MD)

I looked at my report on XX/XX/2024, 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. These accounts XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX and XXXX # XXXX are not complete and accurate. And XXXX more thing according to 15 USC 1681s-2 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. Check the attachments below.
Consumer complaint received 2023-05-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items 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 & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-30
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 have been a customer of XXXX XXXX XXXX since XXXX, I love that they have given me a second chance to reestablish my credit so that I can obtain employment, housing and a new vehicle someday. However, I was XXXX from multiple XXXX between XX/XX/XXXX to XX/XX/XXXX which left me without income to pay my bills or anything else ; I have NO ONE TO RELY ON due to being disowned by family and what I thought were friends. In addition, I was evicted from my place of residence because I got too behind on my XXXX leaving me XXXX since XXXX of XXXX, I have NOT BEEN ABLE to get employment or anything BECAUSE of the late payments placed on my credit reports and I HAVE WRITTEN TO THE CEO ALONG WITH UPPER MANAGEMENT TO RESOLVE THIS ISSUE. THEY CLAIM TO UNDERSTAND MY SITUATION, HOWEVER THEY HAVE DONE NOTHING AND RENEGAGED ON THEIR PROMISES TO HELP ME OUT!!! I HAVE WORKED SINCE THE AGE OF XXXX DESPITE MY CIRCUMSTANCES AND NOW I AM UNABLE TO WORK DUE TO THE XXXX THIS SITUATION WITH XXXX XXXX XXXX ALONG WITH MY OTHER CREDITORS HAVE CAUSED ME. I AM CURRENTLY XXXX AS MENTIONED WITH NOTHING TO SHOW FOR IT, I AM ON XXXX XXXX THAT I TAKE TO REMEDY MY XXXX XXXX ISSUES BUT I AM STILL UNABLE TO WORK, I HAVE APPLIED FOR ALL ASSISTANCE TO EVERY CAPACITY HAVING BEEN TURNED DOWN BY EVERYONE AS MY SITUATION IS MORE ADVANCED THAN THEY CAN HANDLE AND I AM ASKING FOR THEM TO REMOVE ALL OF THE LATE PAYMENTS ON MY ACCOUNTS ALONG WITH REIMBURSEMENT OF {$480.00} IN LATE FEES TO BOTH OF MY ACCOUNTS AND PAYMENT OF {$140000.00} IN LOST WAGES DUE TO NOT BEEN ABLE TO WORK OR ANYTHING. IF THIS DOES NOT GET RESOLVED WITHIN 30 DAYS, I WILL FILE A LAWSUIT AGAINST THIS COMPANY ALONG WITH AN ADDITIONAL PAYMENT OF {$30000.00} IMMEDIATELY.