davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've learned that the creditor didn't provide the necessary XXXXday notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've always made sure to pay this account on time, ensuring payments are never overdue. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Charleston Area Medical Center (WV)

Healthcare Financial Services has reported 3 accounts to my credit report all showing past due balances. These accounts are collection accounts and can not legally have past due balances based on the FCRA. The accounts are updated monthly to further damage my credit each month. The dates and amounts are listed below : XX/XX/year> {$1600.00} XX/XX/year> {$2600.00} XX/XX/year> {$860.00}
Consumer complaint received 2024-02-14
Product: Credit reporting 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. (TX)

I went from having a XXXX something credit score to going up to over XXXX and then my score disappearing and cant get a score on XXXX, XXXX, or Transunion. Now I cant get access to my credit that is mine by right. I'm getting turned down everywhere because of this. I called XXXX and raised serious concerns and spoke to several people over the phone and followed the dispute procedure over the phone and nothing top help. This is causing undue hardship on me and my family. Its not possible for me to not have any credit file when I've been using my credit since I was XXXX and I'm now XXXX.
Consumer complaint received 2019-12-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I opened account 7 years ago paid balance for reposition even though they never sent letter of balance but reportedly wrong balance information on my credit report.
Consumer complaint received 2023-07-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

XX/XX/2023. Chase XXXX Branch. In the morning I wanted to create a new checking account for College. I went to created an account with the Banker ( XXXX ). As we were creating the account she asked me how much money we wanted to deposit, and we said XXXX . So we finished making our account, and the manager ( XXXX ) there offered to help us since we were both XXXX, and my parents had trouble speaking English. As we put our money in, she recommended to split into 2 account at the ATM, and yet {$300.00} spit back out. Confused we put in back in, and it was done. After we realized the amount was not enough, and so we contacted the manager of the branch. She also claims there was more money than XXXX , and told us she will create a claim. She created a claim for XXXX $ which included the checks, but it got denied. She told us that the issue was they included the checks so she submitted another claim for {$1000.00}, which also failed. So Im complaining about the missing money that was supposed to be in my savings account.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

There is an address showing on my Experian report that doesn't belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX It reported on XX/XX/2023 It was previously on my XXXX report but its since been removed
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was rejected for housing due to incorrect credit information on trans union. 

These are some of the places that rejected my application. The dates were throughout the years, I dont specifically narrow that down I have moved a lot in my life : The XXXX at XXXX Place ( most recent 2022 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Debt Recovery Solutions, LLC (GA)

I am a victim of identity theft through XXXX files being hacked. When this happened I put a lock on my credit profile and filed XXXX  to clear all debt. This was in XXXX. I received a notice in XX/XX/XXXX for an unauthorized account from XXXX. I reported to the debt collection company and XXXX that this was not my account and asked for each to provide any documents that shows my identity, my signature or any relevant documents to prove I opened this account. Neither could provide such information. I asked for this to be removed from my credit file and neither has removed this information. This is causing irreparable damage and harm to my credit standings. From credit report : DRS Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$3400.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am a victim of identity theft due to my mother opening XXXX credit card accounts XXXX is Capitol one and the other is XXXX XXXX. I recently learned that my personal information was used to open XXXX accounts I did not open or authorize these accounts.
Consumer complaint received 2024-04-18
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. (IL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
Consumer complaint received 2024-04-18
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. (NY)

Despite my persistent attempts, I've encountered no resolution to these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress the significance of this matter to me. Should you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I implore you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will leave me with no choice but to demand the immediate removal of these items from my report.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2022-12-02
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-09-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (AZ)

I went to XXXX XXXX in the fall of XXXX, I finished the program and the externship with the promise of getting a job by the school at said externship, and how easy it would be to get a job. Before I finished my externship my mom sadly passed away in XXXX of XXXX, I let my school know and also let them know I had to quit my job to be a le to do the externship so I wouldn't have money to be able to pay any fees and they said it was not their problem. I was doing the externship full time XXXX everyday. While grieving the loss of my XXXX. Once I finished they held my diploma and I won't get it till the full {$9500.00} is paid. I find it ridiculous that I earned my diploma working hard, studying, and doing everything I was told. But apparently I have to " buy '' my diploma. This whole thing is ridiculous, I have a job now but not in the field I went to school for because they said and I quote " the school I went to doesn't count for enough job experience ''. I spent money, time, and effort for no reason, I feel cheated and lied to.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have asked for several investigations into the accuracy of the information Transunion is reporting the investigations have not resulted in these errors inaccuracies and incomplete information being corrected or deleted. I asked for a detailed description of the investigation completed to which I still have received no response which is in violation of FCRA. I have recently sent a certified letter with my id, gas bill, and social security care requesting yet another reinvestigation be performed. I will include attachments showing inaccuracies incomplete information as well as duplicate accounts on report.
Consumer complaint received 2023-07-29
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. (LA)

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.

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 inructions 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 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NY)

Per the FCRA, as a Federally Protected consumer, I am opting out of any and all authorization. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. 

Any and all consent to XXXX, XXXX, ( XXXX XXXX - XXXX XXXX  ) ( Discover Personal Loan ) and ( XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX, Never informed me of my right to exercise my nondisclosure option. 

Privacy Act of 1974 ( 5 U.S. Code 552a ) - ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. 
Again they need prior written instruction of the individual to whom it relates. 

As stated before, I did not give XXXX XXXX, XXXX and Discovery Loan, XXXX, XXXX XXXX and XXXX XXXX for the record. 

15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX to my credit agencies ) is a financial institution by definition under that title. 

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-12-15
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (VA)

I purchased a couch from crate and barrel on XX/XX/2023 with total cost of XXXX $ during that time frame, crate and barrel had a XXXX day promotion if you sign up for the crate and barrel credit card you will receive a 20 % back reward points total of XXXX $ from my purchased. I applied for the crate and barrel card to receive the reward points, but instead of charging to the new opened crate and barrel cc, the purchased automatically was charged to my XXXX card hat was already on-file. 
Multiple attempt was called to crate and barrel customer service to reverse the charge from my XXXX card and to be transferred to the crate and barrel card. 

On XXXX of 2023 the issue was resolved and I was informed that I will received my rewards point 1 to 2 billing statements with the 20 % promotion. On XX/XX/XXXX my first billing statement came and received {$720.00} rewards point. I called the crate and barrel synchrony bank customer service on XX/XX/XXXX to follow up on the remaining rewards point that was owed to me. On XX/XX/XXXX a resoulution was made and was informed that I will received the remaining rewards point in 2 billing cycles. On XX/XX/XXXX I called to follow up and was informed that it will be posted on my XXXX statements. XXXX statement came and the remaining rewards point did not apply. 
I called once again on XX/XX/XXXX to follow up and was told that it will be posted on the XXXX statement. The XXXX statement has uploaded and still no reward points. I called the 4th time on XX/XX/XXXX and was transffered to XXXX ( the account manager ) and was informed that all they could do is to follow up once again and to wait the for another 1-2 billing cycle. This issue has been ongoing since XX/XX/XXXX the day I signed up for the crate and barrel card. Totalling of 7 months. 

At this point XXXX XXXX promotion and XXXX promotion has been posted with many sale that I could not partake due to not receiving the rewards point that was entitled to me. In addition, I asked for a copy of the note that was inputted in my account with all the interactions that I had with their customer service representatives, but was informed that I could not get access to the information/interaction. 

I am concern that many will fall victim to false advertisement and that synchrony bank is purposely withholding the rewards point during the holiday season to benefit them rather than the customers.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have requested to verify a late payment made in XX/XX/year>. 

I have never been late and this is affecting my ability to get approved for a mortgage loan. 

This is not okay and I do not approve of this reporting when this is highly inaccurate. 

Please get this resolved as soon as possible.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

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 need to be investigated and corrected 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
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-18
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/2023 : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-09
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 (IN)

For years I have tried to get information from Mohela, spent countless hours on hold, and received bad information when finally reaching someone. Most recently, I have spent hours trying to reach someone, but no one ever picks up or calls me back. I can't understand how I could still owe money on my federal loans, if I've made 126 PSLF qualifying payments ( per the information in my account profile ) and you only need to make 120 qualifying payments. Meanwhile I continue to be charged each month and accrue interest. If someone would just explain this to me, I could pay what I need to pay, or resolve the issue, but the information available online in my account makes no sense and you can not reach anyone for more information. 
As a more general issue, this company should be investigated, they consistently give out misleading information, and make you resubmit the same thing over and over again while never looking at their own errors or improving their processes. I work in public service, I pay my taxes, and it is infuriating to be treated like this by this company which is being paid with taxpayer dollars. Dealing with them has become a second job and a misery.