davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

For the past week I have tried to login and dispute items on my credit report, the system states " Were unable to process your request at this time. '' I contacted Transunion and they will not allow me to view my report to dispute items.
Consumer complaint received 2023-11-08
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. (PA)

I strongly urge you to eliminate this account from my credit report as it is not associated with me, and I'm sincerely disheartened by its inclusion. I implore the company to expedite its removal from my credit history.
Consumer complaint received 2023-11-08
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. (NC)

I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, I will seek legal action against you guys.
Consumer complaint received 2022-12-06
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. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2024-03-30
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I reviewed my credit report to verify my credit information about my most recent claims to update the accounts that were reported late. Back in XXXX, I sent a letters to Experian, XXXX, XXXX asking them to investigate these accounts listed below : -XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX On XX/XX/XXXX XXXX I sent certified mail letters requesting they re-investigate these accounts. I received their results saying everything is complete and accurate. I looked at my report and saw nothing had changed. 

As required by 15 USC 1681 subsection ( I ), they are supposed to update, modify, or delete these accounts, and as required by 15 USC 1681 E B, they must ensure maximum accuracy. When a person knows or has reasonable grounds to believe that the information about a consumer is inaccurate, they shall not furnish that information to a consumer reported agency.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

Under 15 USC 1681 subsection ( g ), credit agencies are required to obtain and verify information from reliable sources when updating consumer accounts. While the specific instructions given are not in line with legal requirements, credit agencies must ensure the accuracy of information through methods such as reviewing public records, conducting their own investigations, and receiving written instructions from consumers if necessary. 

Providing written instructions to credit agencies is crucial because it ensures clear and accurate information is recorded.It ensures that the credit agencies understand the exact accounts and information that needs to be updated or deleted, and it provides them with written documentation that can be used to verify that the instructions were given accurately.Written instructions also provide a record that can be used for future inquiries or disputes, ensuring that the consumer 's request is correctly processed. 
They lied on an official document by saying they reinvestigated, but they did not. The three credit agencies failed to reinvestigate the accounts listed above.
Consumer complaint received 2023-09-22
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: EQUIFAX, INC. (TN)

My disputes are not being processed correctly. I have been a victim of identity theft and I sent the FTC report to the credit agencies. They are not attaching the paperwork I filed according to the FCRA. And I am not getting copies of the verification process per the FCRA>
Consumer complaint received 2023-11-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TX)

Since XX/XX/2023 I had no access to online account. Contacted chime several times sent requested information to chime several times.This process went on for months. Still no access. Decided to close account. Was told I'll receive my funds in 30days still no funds. Contacted chime to verify I was told they couldn't find account.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

Discover Card They close my card with out telling me they was closing it. I have had Discover Card from XXXX XXXX XXXX 
I never had late payments or never overcharged! They have my email and would send me alerts, if there was any alerts to my credit. 
I get a email saying my alerts are turned off. ( Why is this ). I call card service and ask them what is going on. Told me they sent letter that I need to use card or they close it. I did not get any letter in mail. Why did they not email me telling me this? I would of used card to keep it open. Told me card is closed can not open it back up I would have to get a new one. This is not right! 
They are more then willing to let you know if you don't make a payment!
Consumer complaint received 2023-12-27
Product: Credit 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: CITIBANK, N.A. (TX)

A tenant committed identity theft against me after being terminated from employment. They had access to my mail, identification documents, and bank account info, and electronic devices from information I thought was safe in my own home. I didn't expect someone I knew and trusted would steal from me and take out debt in my name illegally and without my consent or knowledge for transactions that didn't benefit me. This individual burglarized my house and police reports were filed but informed that someone can't be charged for theft if its their residence ( they had a lease agreement ) so charges were dropped. The tenant XXXX XXXX and her boyfriend did not have my permission to utilize my information to open accounts or purchase items. They used my checking account information to validate payments, and when I changed accounts they used stolen accounts to validate payments resulting in termination. Best Buy has refused to properly remove these charges and reports fraudulent information against me.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

To whom it may concern, You are reporting this collection Account name : XXXX XXXX XXXX Account number : XXXX With a past due Account balance amount of {$790.00}. This is inaccurate reporting and needs to be removed IMMEDIATELY. This is a violation of the FCRA and is in violation of requisite XXXX XXXX complaint reporting standards. According to the Fair Credit Reporting Act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable or accurate. Please send me a copy of my credit report when the above deletion has been removed. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-30
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. (CA)

Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Innovate Managed Holdings, LLC (LA)

I refinanced my car a year or XXXX ago thru XXXX XXXX XXXX, and as i went to possibly trade in my car today i was informed that XXXX has not ever reported my monthly car note payments to the credit bureau XXXX XXXX can go towards my credit. It just shows they paid off the previous loan with XXXX, and then that i have closed accounts. Is that even legal to not report a customers payments??? It sounds like an under the table scam from my car loan company
Consumer complaint received 2023-11-08
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: CAINE & WEINER COMPANY, INC. (PA)

This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior.
Consumer complaint received 2023-12-25
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. (VA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. 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 account : XXXX XXXX  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 on time as they should be as I was NEVER Late and account is up to date. 

Thanks, XXXX XXXX
Consumer complaint received 2023-12-25
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)

My information was sold and bought illegally because i was a victim of the XXXX data breach. I want these items listed below deleted from my credit report effective immediately. I am attaching proof that XXXX has admitted that i was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal account from my credit report from all three credit reporting agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-24
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2023-12-10
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. (SC)

15 USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my WRITTEN Consent Account name XXXX XXXX account name XXXX XXXX XXXX mail me documents that written to give you permission to report a charge off in 30 days if you cant plz delete the negative account off my credit report immediately plz and thank you and can you send to the address below XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

DELETE ALL FRAUD ALERTS AND EXTENDED FRAUD ALERTS FROM ALL THREE CREDIT BUREAUS XXXX & XX/XX/XXXX XXXX ID FRAUD VICTOM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MYA HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES, DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Consumer complaint received 2023-12-25
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. (DC)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 a account without my wirtten instructions
Consumer complaint received 2017-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (IL)

I have taken a  XXXX  credit card via  Comenity LLC  while purchasing my phone back in  XXXX  and have been paying monthly since then. After  one year, Comenity  decided to end the credit card partnership with   XXXX  and they decided to change clause up to their own interest, without my consent. They have also send a letter that they are closing the account but i can still pay remaining balance on a monthly basis. I have been making regular monthly payments and by   XXXX   XXXX  , all that was left was {$150.00} as my credit card balance to pay them. I also called their center few times in   XXXX   XXXX   to understand how the new rule works and if i should close the account by paying off remaining balance. What i have informed was there is no connection with  XXXX  anymore and they do n't have any information regarding my credit card. But I kept paying online through their portal and in   XXXX   XXXX  , I was shocked to see a charge of {$180.00} interest alone for {$150.00} remaining credit card balance and takes the total to {$330.00} in remaining balance. Within couple of days I paid off the {$150.00} original balance. There is no one that i can talk to or reach out to at the firm to understand this outrageous charge and hence I request   XXXX   XXXX   XXXX   to step in and kindly help me in this regard. Thank you
Consumer complaint received 2023-11-08
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)

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, and TransUnion ) credit report, and I noticed a negative item on my report that i did not authorize to report. On the account I have attached is 30 day late payments that are improperly reporting. I have tried to work this out with the credit bureas and have been unsuccesful. The account listed below is identified as aggravated identity theft per 18 U.S. Code 1028A. 18 U.S. Code 1028A U.S. Code ( a ) Offenses.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have boa credit card - XXXX XXXX XXXX XXXX - i consolidated credit from another credit card in XXXX by paying full as it has higher interest and credit limit was transferred to this credit card. My credit limit was XXXX - and i have been making minimum payments and using this credit card from past 1 year. This acct has been open since 15 years. BOA reduced my credit to XXXX as it is lower fixed interest rate credit card. Also they did not pay me the better rewards balance on all of my 4 credit cards that I have. I am supposed to get XXXX $ for all 4 of them after they forcibly transferred to another unlimited cash back rewards credit cards without my consent.
Consumer complaint received 2024-03-30
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. (CA)

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX XXXX Verify this account XXXX XXXX Is not mine XXXX XXXX XXXX I never have late payments XXXX XXXX XXXX  XXXX Is not mine inquiryss XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-18
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. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. 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