davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-21
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. (MI)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or XXXX XXXXompensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX  days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2023-02-21
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: Experian Information Solutions Inc. (DC)

Per 15 USC 1681 ( a ) ( 4 ) my rights have been violated, each and every account that is on my consumer report should not be facing the public, Per 15 USC 1681b ( a ) ( 2 ) I have never and will never ever give written permission for any consumer report agency to violate my privacy slandering my name or put any hearsay under my consumer report per 15 USC 1681 ( b ) they did not use manner which is fair and equitable to I the consumer and reporting negative allegations without written permission, per 15 USC 1692 ( f ) also per 15 USC 1681n you have to have written permission, also all of the other addresses and other so-called names that have been used that are not mine need to be removed as well as all in each address that is on there that is not mine need to be removed the only name and address that should be on my consumer report is By : XXXX XXXX XXXX And the only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
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. (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 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently I received the findings of a false reporting in my credit report. The credit Bureau XXXX was asked to name there source and supply proof of the debt. This was not supplied the private source was never mentioned in the company response. The company also stated that the courts are contacted and this is not truthfull I contacted the courts and due to law they are not able to discuss any debt legitimate or not to any one outside of a consumer. Please remove this false bankruptcy off of my credit profile as the vendor was not supplied as asked and is reporting unverified information as confirmed with the nc court system. The courts provided a document stating that they are not at liberty to report to any credit agency private or public as they are not creditor. This debit is not valid and must be removed immediately.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reach out to XXXX Transunion and XXXX XX/XX/2023 and XX/XX/2023 about accounts and collection I had no acknowledge of. I first dispute online and the report came back accurate. So I called the credit bureau to reopen the investigation and explain that the company in question didnt notify me of the debt and wasnt returning my call. I asked for the XXXX to reopen and mail me any proof of signature original contract or anything they had on file that shows me Im responsible for the debt. After about XXXX  days debt came back verify again through email but never mailed me a updated credit report or the proof that shows Im responsible for the debt. 

The debt in question is XXXX XXXX XXXX XXXX is {$6.00}, XXXX XXXX XXXX XXXX The amount is {$530.00} The XXXX XXXX Amount {$420.00} All dispute was updated again on XX/XX/2023 and doesnt give me the option to dispute again
Consumer complaint received 2024-02-21
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (SC)

The Ulta Credit Card, handled by Comenity, continues to fail to notify me of payments due and then charges late fees and interest. Additionally, when I pay on their notification of past due amounts, the payments take longer than other credit cards to apply the payment and calculated latest interest. This then generates additional interest. I have an excellent XXXX score and I am afraid that their practices will impact my credit history. On researching on line, I find I am not alone in my concerns about Ulta and Comenity.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Wednesday, XXXX XXXX I, personally, spoke to XXXX regarding the statement from BOA they had based their decision on reports from the 4 credit bureaus. XXXX and XXXX BOTH informed me there were ABSOLUTELY NO INQUIRIES about me and my credit from ANYONE AT ALL. Actually, I have a freeze on XXXX for years and today placed one on myself with XXXX. 

The telephone numbers on the other remaining TWO agencies directed me to online, so Im unable to talk with anyone from two agencies to ask if BOA had run a check on me, as they stated they had and thats what they based their decision on to reduce my line of credit. Nothing shows LATE. 

Therefore, this is another complaint I am filing because as Ive stated, BOA has done nothing but create a major issue out of a small issue, resulting in my closing my account. I do NOT EVER want to do business with BOA again. This is not about the closed account but, rather, the evil, devious, harmful treatment of a former customer who has a serious XXXX XXXXXXXX which I tried explaining but every single person Ive had any contact with at BOA refused to LISTEN to my problem with my health and, instead, reduced my line of credit for absolutely no reason at all. 

I believe BOA never gets many complaints because people give up trying to resolve their probably legitimate issues such as I have. 

BOA is without any sliver of empathy, they DID NOT TRY TO WORK with me! No, they did not. I was forced to close my account after I overpaid them and that was the ONLY WAY TO RECOVER MY MONEY but it has caused me to get sick, so I canceled. There is nothing mentioned about late payments. And I have a freeze on one bureau, so BOA are scammers and XXXX company with NO SOUL.
Consumer complaint received 2024-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kwikcash, Inc. (MS)

On several instances I have requested debt validation from this company and XXXX they have failed to provide such. Most recently, a certified letter was sent on XXXXand I have not yet received a response. I am demanding that this collection be removed from my all 3 credit reports as it can not be verified as reporting accurately.
Consumer complaint received 2023-05-21
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. (MI)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2024-02-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OH)

On XXXX this company reported to my credit report that I owe {$3400.00} which is a direct result of fraud and identity theft. I was not contacted prior to reporting and would like it removed from my credit reports asap.
Consumer complaint received 2023-06-20
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Report Act XXXX, XXXX from 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 an account without my written instructions.

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information of the consumers. I have the right to dispute incomplete or inaccurate information on my credit report. 
This collection account reported on my credit report is inaccurate, this account is not belonged to me, I have sent several dispute letters to the creditor and your company to verify the accuracy of the information reported on my credit file and no action has been taken to solve this concern. See the attached file.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT XXXX : XXXX XXXXXXXX. 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 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 2023-02-14
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. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 written instructions
Consumer complaint received 2024-02-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (GA)

Sallie Mae has no good options for borrowers to pay back their XXXX loans. All of their reviews on XXXX, XXXX, and XXXX state these same issues. The company ask for your financial information but tell you what you can afford, even though you tell them otherwise. They barely drop your payments to an affordable rate and still report you even if youre paying something on the XXXX loan. You have people who arent paying ANYTHING on their XXXX loan but this company still treats those who try to pay something the same way. You call them and you talk to different people every time. Most of their employees have no clue whats going on and tell you many different things. Verbally accepting the term doesnt mean a thing to this company because when you talk to a employee and they verbally tell me one thing, and that one thing isnt valid, the only response I get is well check the recordings or file an complaint. So of course youre going to cover for your employees because you dont want to make the company look as bad as it already is. One employee told me pay what you can and you will not get reported. Ive heard this answer from numerous employees! Then 2 weeks later I get an alert saying my credit score went down. Once I called about the issue, they covered for their employee saying that they never told me that. Which was a lie. I also had one top employee tell me stop wasting your time calling because nothing is going to change. But they call you, leave voicemails, and emails about how they claim to want to help. People borrow money from Sallie Mae to go to college to better themselves for the future, not to buy cars, go on vacations, or etc. This company treats you as if youre nobody and try to drain you for every XXXX that you have. How are we going to better ourselves for the future when you have people like Sallie Mae that only cares about themselves, not working with their borrowers on what they can afford, and simply just tanking your credit even if youre paying something. If I had to start over and choose a company to borrow money from I would never choose this company. This is why their are so many kids, adults, and young adults who dont go to college because they are afraid of the outcome of borrowing money from a company who will only rip them off in the end like Sallie Mae .
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (WI)

Since I got this card I have been getting charged every month for XXXX monthly maintenance fees even when my cards are at a XXXX balance I still get it in the past they have credit me for fees to then charge me a higher interest and more fees accrued under the fair credit reporting act its fraud and illegal so I'm requesting all fees be paid back from date I got the card from fortiva .They also have never given a credit increase but when they offer it it came with a substantial charge for the credit increase also illegal practices again in good I request all maintenance fees be returned to me by check mailed from date of opening this account ... thank you
Consumer complaint received 2023-02-20
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. (AZ)

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT. That you did not verified as required by law on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries ; except as provided in section 1681g ( a ) ( 5 ) of this title.

The following inquiries were not initiated by me and are a result of identity theft. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (NC)

I called expressing my desire to split my mortgage payments into bi-monthly. This was in an effort to contribute to a faster pay down and lower the amount I pay overall in interest expense. However, I noticed months later that Wells Fargo was actually taking my payment and putting it as " unapplied funds ''. If these funds are supposed to go TOWARDS my mortgage and it was clearly expressed that these should go towards my mortgage why were they holding that money until the end of the month to make a final lump payment which ultimately achieved the original 1 time payment outcome. Additionally, what is Wells Fargo doing with potentially MILLIONS of customers ' " unapplied funds ''. I suspect in the aggregate that's a lot of money they are holding on balance sheet and potentially gaining short term interest income off of while the consumer isn't reaping any benefit. When I called to get clarity and straighten this out they had a convoluted explanation that I had to specifically ask for payments to be every XXXX or weekly. How would the consumer know to ask for that? Also, why would this be required?
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (NY)

ref # Chase XXXX Today I received on XX/XX/XXXX {$60.00} reversal (? ) XX/XX/XXXX, ( {$40.00} ) Payment correction The above no explanation and MORE OBSFUGATION The facts as I see it are : XX/XX/XXXX statement {$130.00} XXXX Post charge XX/XX/XXXX statement ( XXXX ) credit XXXX XXXX  60 rebill XX/XX/XXXX ( XXXX ) credit XX/XX/XXXX {$60.00} reversal XX/XX/XXXX ( {$40.00} ) Payment correction So you can see from all confusion, I have not gotten {$60.00} credit but only {$40.00} My math shows : I paid {$130.00} and got {$20.00} credit which is shown on my bank statement XXXX bank on XX/XX/XXXX as {$20.00} deposit Please " XXXXXXXX XXXX  XXXX '' me thru Chase 's XXXX year saga of obsfugation and all above actions without clear explanation
Consumer complaint received 2023-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act.The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Account # XXXX  XXXX # XXXX {$490.00} Account # XXXX XXXX # XXXX XXXX Account # XXXX XXXX  # XXXX {$1500.00} Account # XXXX XXXX # XXXX {$0.00} Account # XXXX XXXXXXXX # 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 record of convictions of crimes which attedates the report by more than seven years. 15 U.S.C 1681s ( 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 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have previously disputed XXXX XXXX XXXX Georgia XXXX # XXXX with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be DELTED immediately.