davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

Im curious why XXXX XXXX court system is in my experion report i though tgey needed a subpeana to do this?? they were in there 3 different time XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX i have a hearing comming up and fe3l as if something shadey is going on
Consumer complaint received 2018-11-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (VA)

New Car was purchased with Fixed Rate at 1.90 % with financed amount of XXXX and a monthly payment amount of XXXX. 

Since origination, payments have not been applied appropriately per correct amortization. I want to understand what is happening. 

First payment XX/XX/XXXX, balance is XXXX. 
Interest should be 22.03 ( XXXX XXXX 1.9 % /12 ) Instead it was applied at 26.80. 
These variances are consistent in payment application. 

Please See Below for most recent example. 

Logically, unless a balance is increasing ( which is not the case ) a fixed rate loan with both Principal and Interest should have gradual decreases to the amount of interest applied per payment over the life of the loan. However, the XX/XX/XXXX payment was applied against a balance of XXXX but 41.11 in interest was charged. 

This loan has never been delinquent.
Consumer complaint received 2024-06-12
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. (LA)

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information XXXX  other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-12-05
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)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2024-04-12
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. (OR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-12-05
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. (PA)

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 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

my information was sold and bought illegally because i was a victim of Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that i was a victim of this breach and Equifax has done nothing. Please help me delete these illegal accounts from my Equifax credit reports. I have listed all accounts.
Consumer complaint received 2023-12-05
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. (LA)

Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : Name, Unverifiable. Fix, update or delete the information for date open. 

XXXX XXXX | XX/XX/2023 : Account number : N/A, Unverifiable. Fix, update or delete the information for date open. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : Account number : Address, Unverifiable. Fix, update or delete the information for date open. 

XXXX XXXX XXXX XXXX XXXX  XXXX : Account number : Address, Unverifiable. Fix, update or delete the information for date open. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Consumer complaint received 2023-12-05
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. (CA)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

My student loan servicer sent an update XX/XX/2023. Their service center says it takes 45 days to update. But still on my report at the bank. I had to show the bank the debt was gone. But still refused loan. It shows on the soft pull. Transunion holds people in credit servitude because the can.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.
Consumer complaint received 2023-12-05
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)

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 2018-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America recently notified me of a breech of security at some unnamed merchant and they were issueing a new credit card and cancelling the old one.

This is a recurring problem with BOA.

When I called to find out which merchant i was refused the information.

I had to change pay accounts for 12 companies I had on auto pay and this was not the first time. 
Why are the consumers affected not entitled to know which company mishandled their information or had poor security?
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I tried to get my free anual report from Transunion but they seem to want me to fill out a purchase money order so they can still make money from me ordering my free annual report. Then I look around the site and can't find any discolsure on how one might get their free anual credit report from transunion. Transunion denied ever being such a thing and insists I authorize a purchase money order from them.
Consumer complaint received 2018-11-18
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: EQUIFAX, INC. (FL)

I just got an updated credit score from XXXX and Equifax. I was able to get a loan to pay off credit cards and have a lower interest rate and monthly payment. Sure enough, my credit score has gone up. However, XXXX  increased my score by over 100 points, putting me in the " Excellent '' range. Equifax only increased my score by XXXX points, and I'm still in " Fair. '' This is completely wrong. If I need to buy a car or do anything else that relies on a credit score, I could get a MUCH better rate if the company checks XXXX  over Equifax. Our system is completely fouled up. I am a slave to the credit agencies, and they don't have any sort of system that is even similar to each other! How in the world has the US come to this point?
Consumer complaint received 2023-04-25
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. (MD)

This is my 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 items : XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX 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 2018-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (NE)

For the past several months I have attempted to log into the online banking portal to pay my mortgage. Every time I log in there is an issue with the system that says my account is restricted due to too many login attempts. Each time I'm forced to contact SunTrust to have them fix the issue. I am only able to do this Monday - Friday during normal business hours when I am working. The issue is apparently a known issue with SunTrust that they state they are " working on '' however it is yet to be fixed. In order for me to pay my mortgage I have to call them, have them reset the online banking platform then login. This has happened for the last three months without any fix. It feels as if SunTrust does not want me to pay my mortgage since they are making it extremely difficult to submit a payment. This has been occurring ever since they combined their traditional online banking portal with their SunTrust Mortgage online banking portal.
Consumer complaint received 2024-04-15
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. (GA)

Recently I checked my credit report and noticed multiple billing errors under 15 USC 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on statement a payment made by the obligor or a credit issued by the obligor
Consumer complaint received 2023-12-05
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. (FL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2018-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Between XX/XX/2018 and XX/XX/2018, a new account in collections was added to your report. The collection agency is XXXX XXXX. The original creditor was XXXX XXXX XXXX. 

This account was removed and re-inserted ... I was not notified ... and this is violation of F.C.R.A. law, litigation will follow, because original creditor ( XXXX ) stated that they did not verify, and a debt can not be collected twice ...
Consumer complaint received 2019-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

My daughter sent me {$200.00} sent through XXXX messenger. The bank received the payment reflected when I called the bank information line. At time of receipt I was overdrawn {$1.00}. And change. Leaving my available cash {$190.00}. And change. I went to the ATM and withdrew {$60.00}. Upon calling my bank I realized that I was now overdrawn XXXX. I called my banks help line only to find there is now no record at all of the {$200.00} transfer. I was told by the first representative that they use their discretion whether or not to give you the money at the ATM. When speaking to her manager he stated not true only if funds are available will you receive money at the ATM. But still no record of the money. I explained # 1 only if money was available would money be given at ATM. # 2 only  if money recorded would money be available. # 3 Mony should have simultaneously been given at ATM and taken out of account. So at very least {$60.00} and fee should be shown. This bank has held checks for more than 10 days trying to lead you to believe you have more funds available. They have taken money for a payment and placed it back into my account trying once again to make me believe I have more funds available than I think. My sister who also banks with them can verify this. She purchased XXXX tickets for XXXX day which were taken out of her bank. When she called the info line a few days later it was showing back in her funds. I have been with this bank for several years and they made me sign a new contract with them because my old contract gave me many perks. I have been through several years of the preceding but never had my money stolen right from within the bank. They received the money made it available which is proven by the ATM withdrawal and there records have nothing about the deposit at all. I had-1. And change and now have - XXXX. And change along with charges daily. I appreciate any help you can provide. PNC Banks
Consumer complaint received 2023-12-05
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. (NC)

This is XXXX XXXX please 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 2022-11-17
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: CAPITAL ONE FINANCIAL CORPORATION (NM)

Latest reporting XX/XX/2022 In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act and the XXXX XXXX for military families ; because of the hardship resulting from it the incomplete BILLING ERROR reported on the XXXX CREDIT REPORT by CAPITAL ONE ACCT # XXXX The billing error is Status 30 days past due- ACCOUNT WAS NEVER LATE Status updated XX/XX/2022, Balance {$460.00}, as I DO NOT OWE ANY BALANCE!
Consumer complaint received 2023-09-20
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. (VA)

XXXX XXXX XX/XX/2023 XXXX CARD XX/XX/2023 XXXX CARD XX/XX/2023 ELAN FINANCI XX/XX/2023 XXXX BANK XX/XX/2023
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

For approximately a month, I have been dedicatedly working to address an ongoing discrepancy in my credit report concerning XXXX, Equifax, and XXXX, all of which have inaccurately recorded that a payment on my XXXX  XXXX account was late on XX/XX/XXXX, account number XXXX despite my clear evidence of making a timely payment. Despite my persistent efforts, the creditor has been uncooperative in providing substantiation for the alleged late payment. Consequently, I am formally requesting the removal of this erroneously reported late payment from my credit report to rectify this error promptly and ensure the accuracy of my credit history. In support of my request, the creditor must adhere to the Fair Credit Reporting Act ( FCRA ), a federal law that mandates accurate and fair reporting of consumer credit information. Under the FCRA, creditors are obligated to investigate and correct any inaccuracies upon the consumer 's request, ensuring the integrity and reliability of credit reports. Please see screenshot done below