davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
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)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023 With reference to section 609 of the FCRD Act, I would like to request further information on the following item as recorded on my credit report I request that you provide the original documents for this information containing my appended signature and any other related information if this information is unavailable i am requesting a removal as soon as possible XXXX I XXXX XXXX XXXX recently reviewed my credit report and I found unauthorized number, account wrong listed on records etc., XXXX ACCOUNT # XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally funded yprotected consumer rights to privacy and confidentiality under 15 USC 1681. These are account I want DELETED AN ARE UNAUTHORIZED Here as no permissible use and are not accounts that I have not had relationships with and are all unauthorized an have no Permissible use and are all unauthorized an have no Permissible use.

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, Trans Union, XXXX disputes were submitted regarding an account with XXXX XXXX back in XXXX. I sent a letter directly to XXXX in XXXX I never received any response from the credit bureaus or XXXX. account reference # XXXX reflects a charged off account with a balance of {$2200.00}. This vehicle was sold back in XXXX I do not owe any balance nor is the account charged off. I have tried aimlessly to have this account correct to no avail.. no response has been received I need this account corrected as it is preventing me from obtaining my home loan.
Consumer complaint received 2024-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (MO)

I sent a certified letter to AMERI COLLECT on XX/XX/2024, asking for VERIFICATION AND VALIDATION of alleged debt owed. As of today 's date XX/XX/2024 I have not received any correspondence from this company., In the letter I also asked that they promptly delete any and all prior consumer reporting made to any CRAs. 
Therefore, I am asking that this information that they have illegally placed on my credit report be removed from all credit bureaus. They have three different entries from Ameri-Collect on my credit report. 

CERTIFIED # USPS XXXX
Consumer complaint received 2023-08-31
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (NJ)

I can not log into the Ed Financial website and when I tried to request a new password it would say on the screen " If your credentials match our records we will email you new login info '' I was putting in my social security number and year of birth so it is correct. But I never received an email in my spam or regular inbox. I have called Ed Financial multiple times in the past 3 weeks all over a span of a few days and waited a half hour to an hour even though the operator said the wait time is " 13 minutes. '' Today XX/XX/23 the operator also said 13 minutes and I waited over an hour. Loan repayment opens tomorrow. I am still a graduate student and I need to figure out what I will be doing in terms of repayment I do not know even the day before loans open. Finally, I emailed Ed Financial and they have not gotten back to me or my dad.
Consumer complaint received 2023-08-31
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. (CT)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX  XXXX XXXX Balance : {$420.00}.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (PA)

Synchrony Bank & unfair practices. Interest rates range on credit worthiness as we all know. However as XXXX took over retail Synchrony bank his cohort took the credit arm, offering XXXX short term interest, cash back on the paypal card, but at default rates. Then, they revoke credit upon payment, actually citing payments as unusual activity. 

Customers who try to turn over balances to take advantage of XXXX interest and cash back, have credit revoked.m, as XXXX XXXX  them over. 

XXXX thing to change a line or rate on a low rate card a high credit rating obtained, another to revoke credit already at a default rate that prevents the utilization of low rates while driving down credit ratings with the elimination of available credit. 

They do not like : paying off entire bill plus pending charges. 

XXXX time they froze the account for 30 days BACAUSE I PAID IT. 

Another, as things got going after the winter lul, they froze the account for 30 days. After it cycled it had an XXXX credit limit instead of XXXX. I had taken a customer 's money for product was going to flip the balance for the cash back and no interest, and they revoked the credit line. Again, for paying off the balance. I had never missed a payment with them. 

They cited my credit rating a few lates, nothing substantially late. I asked them what they thought removing XXXX  of unused credit would do to my credit rating by driving up balance to available credit ratio, how many more months behind i would go on my mortgageby ripping XXXX  out of my life. The synchrony XXXX card did the same in total taking XXXX of unused credit which drove down the number by the action and simultaneously removing XXXX  from my available cash to pay bills. It was like a mass shooter came into my personal finances. 

They drove me from late to 3 months behind on my mortgage because I had to produce the product I had taken money to provide XXXX XXXX, while driving down the ratio of unused to used credit, and forcing me to use other credit or let other valances ride to fill the gap the action. 

They were already charging a default rate of XXXX by industry standard, and they refused to take a 'chance ' on me after paying off a bill completely??? While keeping the XXXX card u used and open but taking that available credit too??? 

Federal regulations need to rip that bank apart and end that nonsense of XXXX XXXX XXXX XXXX XXXX XXXX XXXXI. 

I would be current on bills paying down debt, had they left my credit alone, but I'm on the cusp of foreclosure and about to miss payment on everything or have, which is due, to the nearly {$2000.00} they yanked out of my cash stream to protect themselves from.me paying my bills, possibly utilizing cash back, while charging XXXX in interest yearly. 

End the usury and financial devastation, split up synchrony Bank or simply shut it down XXXX finish its business. To be clear not the business of destruction of people 's finances.
Consumer complaint received 2023-08-07
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. (IA)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit 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
Consumer complaint received 2023-08-31
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. (NY)

A XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  was opened in my name without any of my knowledge. The credit inquiry appeared on XX/XX/XXXX on my Experian credit report and XX/XX/XXXX on my XXXX credit report. An account than appeared on my XXXX credit report on XX/XX/XXXX and on my XXXX credit report on XX/XX/XXXX. It appears the account was approved and opened on XX/XX/XXXX. I proceeded to lock my credit and instill a fraud alert on all three of my credit reports on XX/XX/XXXX. There appears to be a balance of {$380.00} on the card and a limit of {$1500.00}. All of which I did not apply for, authorize or make any purchases with. I believe have been a victim of identity theft and fraud.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services (GA)

I am writing to formally dispute an inaccurate late payment reporting on my credit file, which has been reported to XXXX, XXXX, and XXXX by Lendmark Financial Services. I have always had a great relationship with Lendmark and have managed my account responsibly. Unfortunately, due to financial hardship following the birth of my newborn, I fell behind on my payments. However, I find it deeply disappointing that Lendmark would choose to report this in a manner that jeopardizes my creditworthiness and reputation. 

Specifically, I dispute the accuracy of the alleged late payment transactions reported to my credit reports. According to 15 U.S. Code 1681a Definitions ; rules of construction, the term " consumer report '' does not include information solely concerning transactions or experiences between the consumer and the reporting entity. Therefore, transactions and experiences with your company that fall under this exclusion should not be furnished to consumer reports. 

The law states under 15 U.S. Code 1681a ( c ) Exclusions : > " ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include > ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' My transactions and experiences with Lendmark Financial are excluded from the consumer report. You have no legal right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

Additionally, the only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments, which stipulates : > " ( a ) Time to Make Payments > A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' To comply with this section of the law, Lendmark Financial must provide proof that the information required under 15 USC 1637 ( b ) was mailed out or delivered to me 21 days before the payment due date. Please provide this proof, as a creditor can not legally treat a payment as late without adhering to this requirement.
Consumer complaint received 2024-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (KY)

I don't recall having a contractual relationship with this collection company LVNV FUNDING LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-08-31
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)

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2023-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (NY)

Refund was requested on XX/XX/XXXX for student loan payments made during the XXXX XXXX forebearance as recommended by Mohela. I was told refund would take up to 90 business days. As of XX/XX/XXXX, I have yet to receive the refund. However, the account balance of my loan has reflected an increase of nearly XXXX XXXXXXXX, the amount of the refund anticipated.
Consumer complaint received 2023-08-31
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)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXXXXXX 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 2024-04-17
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. (IL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-02-25
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. (IL)

I recently pulled my credit report on XX/XX/XXXX I know inconsistencies on my credit report. The credit reporting agencies per FCRA is responsible for reporting 100 % ACCURATE, VERIFIABLE AND COMPLETE information on my credit report. I look and notice ACCOUNT NAME- XXXX XXXX - ACCOUNT NUMBER XXXX is still reporting an account that was sold to a collection company by the name of XXXX XXXX XXXX  XXXX Its been XXXX months of this creditor still reporting inaccurate information on my credit report. The account been charged and was sold which the credit written it off as bad debt. Im requesting all business transactions documents with this account in question I want the account ledger, 1099 OID report, 424 b5 prospectus and RC-S & RC-B call schedules to be sent immediately. If you are unable to provide me out these documents I ask that you delete this account immediately. The date last verified from XXXX XX/XX/XXXX is inaccurate. Equifax is missing the date last verified which is inaccurate. Date last activity XXXX XX/XX/XXXX, Equifax date of last activity is XX/XX/XXXX is inaccurate. Date last reported XX/XX/XXXX. Equifax date last reported XX/XX/XXXX is incorrect. XXXX date open XXXX Equifax date open XX/XX/XXXX is inaccurate. XXXX date closed XXXX Equifax date closed is missing the date. This account has been in dispute since XX/XX/XXXX the dispute status on my credit report reads account not disputed this how I know XXXX and equifax did not investigate this account at all also XXXX year payment history is incomplete. I want this unverified, unproven, obsolete, incomplete and inaccurate information deleted from my credit report immediately.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (MN)

On XX/XX/year> I deposited a check that I received from a settlement to my CHASE Business account. A 10 day hold was placed on the funds as soon as I did that and this is not a new bank account so I was confused about it. 10 days pass and not only is the money released from the hold but i'm charged XXXX overdraft fees. I am guilty of XXXX overdrafts while waiting on my funds to process but the amount of time it took for the check to clear and what I got from the check was only half of what I deposited. THIS IS CRIMINAL, if thats not illegal enough for XXXX, afterwards I go to contact CHASE BANK on their website it clearly says XXXX XXXX 7 days a week I called them at XXXX as soon as I saw they had taken a XXXX overdraft fee and was told by a robot or AI I need to call during normal business hours. Now I'm not the smartest person in the world but how is XXXX XXXX still walking around freely????? I will send screenshots along with this message
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc (MI)

I was under the influence and faced High-pressure sales tactics at a dealership. I was forced to pay a down payment. Which is illegal lets start there. Then the company violated a cease and desist order multiple times. I was contacted through third parties, us post mail and phone calls from both the company and a debit collection agency. They even left multiple voicemails and questioned me via phone calls. Further more I never received any tax documentation regarding the charge off of my account. All while violating a long list of laws and us codes such as 15 US Code 1605 Definition of a FINANCE CHARGE Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission 15 USC 6802 15 USC 6803 15 USC 6804 MCL - Section 333.16233 47 USC 223 ( a ) ( 1 ) ( c ) Harassing Telephone Calls 18 U.S. Code 1961 ; Organized Crime Control Act of XXXX. ( RICO ) 15USC 1681a ( 2 ) ( A ) ( i ) Reporting Tranactions 15USC 1681b ( 3 ) ( A ) Credit Transactions 15USC 16816 Permissible Purpose 15USC 1681a Rules Of Construction Im demanding the Deletion of the account from All credit bureaus along with inquiries.