davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
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)

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Email : XXXX 15 U.S. Code $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX XXXX Account Open Date : XX/XX/XXXX XXXX Account Open Date : XX/XX/XXXX XXXX XXXX Account Open Date : XXXX XXXX XXXX XXXX  Account Open Date : XX/XX/XXXX XXXX XXXX Account Open Date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-04-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc. (FL)

After multiple calls and emails finally, my account is current. XXXX was able to resolve the delays in the process of applying the payments. My monthly payments were always received on time. Unfortunately, the mortgage company report my account twice to the credit bureau even when they know that XXXX was trying to resolve the delays. I call and explain this matter to a customer service team and with loss mitigation but until today my credit report is showing me the delays and my score went down.
Consumer complaint received 2023-03-13
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: Bread Financial Holdings, Inc. (VA)

I have tried to get a credit card that was opened in my name using my information and I have indicated I did not open or apply for any lines of credit. However, after disputing with the credit agencies they have indicated the information is accurate. Well it's accurate if someone has stolen my identity. I'm trying to get this removed from my report.
Consumer complaint received 2024-01-02
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TN)

XXXX With my Home Depot credit card account ( managed by Home Depot Credit Services and Citi Retail Services ), Ive paid my bill ( on time, every month ) using my debit card on file with Home Depot Credit Services. Recently, though, I accidentally left my debit card in my banks ( XXXXXXXX  ) ATM machine, and XXXX replaced my card with a different account number for security purposes, advising that I provide my new debit card information to all payees ( businesses and entities that I pay on a regular basis using debit card ). 
However, Home Depot Credit Services website will not allow me add my new ( replacement ) debit card ( after multiple attempts ). Instead, after clicking on Add Payment Source, the website only allows providing information about my checking account ( account number, XXXX routing number, etc. ). The first of these ( two ) options requires my consent to share my banking information with a variety of third party entities ; the second option ( labeled as Manually add your information may take 3 business days ) involves providing the same private bank account information, but ( apparently ) not sharing my bank account info. with multiple third parties. Where is the option to add my replacement debit card, without sharing details of my personal bank account? 
On Friday ( XX/XX/23 ), after many unsuccessful attempts to add my new debit card ( via Home Depot Credit Services ( HDCS ) ), I called HDCS and first spoke with representative XXXX ( who provided her ID as XXXX ). She was friendly, professional, and agreed that I should be able to add my new debit card without a problem ; but, she was unable to tell me exactly how. So, I asked for a manager ; XXXX then transferred me to XXXX, who said her ID is XXXX and indicated she is in Tennessee. XXXX also agreed I should be able to add my debit card ( as a payment source via the HDCS website ), but also could not tell me how to do this. As a manager, her lack of knowledge about this basic function somewhat surprised me. She then asked if I would provide her with my debit card number, security code, & expiration date, and she said I can try to add it. I hesitated, then said Id prefer not to, and would much prefer that she tell me how to do it. She was unable to, and seemed to then blame me for not wanting to share this information, and said Id have to pay cash at a Home Depot store to pay my bill.

Home Depot Credit Services and Citi Retail Services charge a very high interest rate on outstanding balances, thus benefit financially when many customers ( for whatever reason ) are delayed in paying bills. By forcing me ( and presumably many other customers ) from conveniently paying my bill on time making it necessary for me to go to a Home Depot store, wait in line for a representative, have the representative complete paperwork for a bill payment and provide me with a receipt is a huge drain on my time ( and that of many other similarly-inconvenienced HDCS customers ). It is completely unacceptable.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXXXXXX XXXX  XXXX Balance : {$0.00}.
Consumer complaint received 2023-10-11
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)

In XX/XX/2023 XXXX XXXX XXXX sent a letter with proof notifying the bureaus of fraudulent, incorrect, unknown, and obvious violations reported on my credit report. I have not received a resolution yet for these violations. I feel like I am being wrongly treated and ignored of my disputes. I believe failure to look into these items and the ignoring of obvious FCRA Violations that I clearly pointed out in my correspondence gives a reason to quickly remove those items from my credit report so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a case due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-02
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. (LA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-03-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ad Astra Recovery Services Inc (TX)

Upon ordering my annual credit report I noticed the company Ad Astra on my file. The entry was from a " XXXX '' account. Ad Astra was sent letters to verify and validate the debt, but I never received documentation to validate nor verify the debt. Additionally by law consumers should receive Dunning Letters so that they may dispute a debt in question. To my knowledge, Ad Astra Recovery has never forwarded a Dunning Letter to my attention and my address has been the same for over 4 years now. 

The company has not provided any information including the original contract with Ad Astra. I do not have a contract with Ad Astra.
Consumer complaint received 2023-03-13
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: JPMORGAN CHASE & CO. (NJ)

Statute of Limitation on credit card debt and most other debt in New jersey is six ( 6 ) years ( It is four years for auto loans ) I have made a settlement payment to Chase bank in order to deelete the account but it s still there years.
Consumer complaint received 2023-10-11
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. (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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-08
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. (IN)

In accordance with the Fair Credit Reporting act, has violated my rights, 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 166b - timing of payments- A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2023-10-11
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (PA)

Paid off my balance of {$1600.00} later received bill stating previously balance was XXXX With new balance of {$70.00} When I called customer service to ask about the additional {$18.00} I was told it was interest on a balance of XXXX. I told Target this was not correct Because I only owe {$52.00}. Was told in late XXXX to just pay the {$52.00} So I paid it on XX/XX/XXXX since it was due by XX/XX/XXXX. Today XX/XX/XXXX. I called Target since at my request I asked that this account be closed back on XXXX XXXX. Just was checking to see if payment was received. I was told I had to pay the interest Again I explain to customer service what I was told about the interest and that it was wrong.Target own customer service said I didnt have to pay the interest.
Consumer complaint received 2023-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NJ)

I informed the CFO that I, XXXX XXXX, agent on behalf of XXXX XXXX, principal hereby accept all titles, rights, interest and equity owed to XXXX XXXX, principal. 
I advised the CFO of the company to apply the to apply the principals balance to the principals account for each and every billing cycle for set off. I also instructed the CFO, to communicate in writing once instructions are completed. This is instructed to happen within XXXX business days. 
I sent my Claim of Credits letter on XX/XX/23 I sent my Opportunity to Cure letter on XX/XX/23 I sent my Default Notice letter on XX/XX/23 With these documents I provided a durable power of attorney as well as references to federal reserve act sections 16 and 29 in addition to copies of multiple endorsed bills relating to the accounts.
Consumer complaint received 2023-02-18
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: EQUIFAX, INC. (MO)

Im 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 u.s.c 1681 Account name XXXX  Account # XXXX Account name XXXXXXXX XXXX XXXXXXXX account # XXXX Account name XXXX XXXX XXXX Account name XXXX  Account # XXXX Account name XXXX XXXX account # XXXX Account name XXXX Account # XXXX Account name XXXX & XXXX XXXX Account # XXXX Account name XXXX XXXX account # XXXX Account name XXXX XXXXXXXX Account XXXX XXXX Account name XXXXXXXX XXXX XXXXXXXX Account # XXXX Account name XXXX XXXX XXXX account # XXXX XXXX XXXX Account name XXXX XXXX Account XXXX XXXX Account name Us XXXXXXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602 A states I have the right to privacy. 
15 U.C.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 antedated 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 to believe that the information is inaccurate
Consumer complaint received 2023-10-11
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. (MD)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-11
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. (CO)

In Accordance with the Fair Credit Reporting act. The list of of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX DEPT OF ED/XXXX  # XXXX 15 U.S.C. 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. 1681 C ( 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 2023-10-11
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: Westlake Services, LLC (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-11
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. (AZ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Closed Accounts : XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-11
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. (VA)

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 filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2023 I payed CapitalOne Quicksilver credit card in the amount of {$2500.00} with the understanding that the account would be closed and all information would be corrected on my credit report. 9 MONTHS later its still saying active and past due.
Consumer complaint received 2023-12-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (FL)

I am a XXXX XXXX, I applied for student loans with a financial institution ( Discover Student Loans ). I was told by that institution that I would be able to consolidate the loans after my graduation. But after my graduation they told me that I am not qualified for a consolidation loan. I am therefore victim of misinformation that puts me in a predicament of a debt that is set in a way that is impossible to pay off, because I have been making payments of about {$10000.00}, but despite of that my debt has increased by about {$4000.00} in about one year. 

The bank told me to look elsewhere to consolidate the loans. What the bank puts me through is painfully unfair. I am not willing to make any more payments in this condition and I am willing to file a lawsuit against them.
Consumer complaint received 2023-04-19
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. (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 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX
Consumer complaint received 2023-10-09
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. (CA)

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX