davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
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)

XXXX XXXX XXXX XXXX : Account No. is XXXX ( {$5000.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( XXXX ), XXXX XXXX : Account No. is XXXX ( {$7500.00} ), XXXX XXXX : Account No. is XXXX ( {$7600.00} ), XXXX XXXX XXXX XXXX Account No. XXXX ( {$2000.00} ) has violated my rights. 

Inquiries : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX ( XX/XX/XXXX, XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( ( XX/XX/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 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 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: FIRST NATIONAL BANK OF OMAHA (AR)

The incompetence here is staggering, now i realize why i never got the first card and now won't get the second card as this bank never put my appt number down, thus i was even lucky to get my bill. 

Talking to XXXX now, about the incompetence here at FNBO. ( XX/XX/2023 ) She placed me hold. now getting a third card that who knows if i will ever get. 

What does it take for them to get it correct?
Consumer complaint received 2024-01-05
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. (TX)

I'm a casualty of data fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data straightaway would be extremely valuable. We are hoping to purchase a house. If it's not too much trouble, help
Consumer complaint received 2024-01-05
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. (UT)

I'm a survivor of fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data straightaway would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-01-05
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. (IL)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2024-03-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (TN)

This debt collection company placed an account on my consumer reports without notifying me. I was never given the opportunity to dispute the alleged debt and did not receive any information regarding the alleged debt in general. The debt collection company is in violation of the Fair Debt Collection Practices Act 15 USC 1692g and FCRA 15 USC 1681s-2. I want a certified receipt with my name and signature on it as proof that they sent notice to me in the mail regarding this debt. If they can not provide this information, I want them to remove the tradeline from all consumer reporting agencies immediately. You are damaging my reputation per 15 USC 1692d ( 1 ). I have also attached a debt validation letter to this complaint to answer to.
Consumer complaint received 2024-01-05
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX XXXX  and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The issue is causing me significant distress and XXXX  to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2024-03-14
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Maison Capital Group Inc (GA)

I was the sole owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX - which operated as a butcher shop in XXXX, Georgia. 

I, on behalf of my company and as the personal guarantor, entered into XXXX XXXX XXXX XXXX XXXX with Maison Capital Group Inc. ( " MCG '' ) on the following dates : XX/XX/year>, XX/XX/year> ; and XX/XX/year>. Per these agreements, I was provided the following amounts from MCG : {$19000.00} ; {$38000.00} ; {$43000.00}. As a result of these agreements, I was to pay back the following amounts respectively : {$29000.00} ; {$58000.00} ; {$66000.00}. MCG was making daily withdrawals from my account in amounts equal to $ XXXX. I was unaware of the unconscionable and predatory terms at the time of executing these agreements. In late XXXX, I made the difficult decision to shut down my business as I could no longer maintain or continue its operations. As a result of shutting down the business, I was unable to maintain the payment obligations under the agreement as it was my sole source of income. As a result of these missed payments, MCG filed a complaint noting my default. Note I did not receive any breach of payment or default notices from MCG prior to the complaint being filed. I did not receive personal notification of this complaint, other than my XXXX  coming across mail left in my mailbox ( per my request ) as I am currently out of the country. Now that I have sought advice from others, I am realizing how predatory the underlying loan agreement was to start from. My family and I have attempted to resolve this matter amicably over the course of the last week and a half ( since we became aware of the complaint ), however neither MCG or their legal team has been reasonable or cooperative when I have requested payment plans or other solutions.
Consumer complaint received 2023-11-16
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. (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 XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Just got off the phone with XXXX XXXX  and XXXX XXXX, I was never notified that XXXX XXXX has bought my debt from XXXX XXXX  and now my charged off account is in collections, I have the right to privacy and the right to accurate and proper credit reporting on my consumer report I have sent a letter to the company rescinding all agreements I have ever made allowing them to share any of my personal information with anyone and especially never gave them the ok to share my personal information such as name, address, social security with XXXX, TRANSUNION, XXXX, nor anyone else, by law they need to notify me in writing stating they will be sharing my private, personal information with anyone! They have never notified me of the above in writing, also the amount owed to XXXX XXXX  is incorrect and inaccurate information and I have the right to proper reporting! In which it is inaccurate reporting and needs to be deleted and removed immediately! It goes against the fair credit reporting act, XXXX XXXX  is showing that I have a charge off with them, although I no longer have a charge off with XXXX XXXX they have had sold my debt to XXXX XXXX collection in which I was never ever notified in writing of such change and that they are in possession of my account, non the less the information on my credit report is 100 % inaccurate and false! The account is now in collections with XXXX XXXX it is illegal to report a charge off when it is has become a collection account! Please have XXXX XXXX  immediately delete this off my credit report! Have the entire account deleted due to false and inaccurate reporting!!!! the total that I had owed is {$880.00}! I have the right to an accurate proper credit report! It is inaccurate and incorrect in which it goes against the FCRA, bank book keeping must be 100 % accurate at all times down to the penny! Have this account deleted immediately!
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

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 XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-05
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: Experian Information Solutions Inc. (PA)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-05
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. (NJ)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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 XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (MI)

I filed complaint for unauthorized charge by PayPal. PayPal gave irrelevant response to close my claim with Consumer Finance. 
I will repeat, that I didnot give permission or chose Checking Account to be charged. PayPal has a security issue where declined credit card charge is automatically processed, without my permission, through my Checking Account.
Consumer complaint received 2024-07-12
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. (IL)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.
Consumer complaint received 2024-04-05
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. (IA)

REMOVE FRAUDULENT UNAUTHORIZED INQUIRES. 
XXXX FRAUDULENT UNAUTHORIZED INQUIRES : XXXX XXXX XXXXXXXX ( BANK ) XX/XX/XXXX XXXX XXXX  ( BANK ) XX/XX/XXXX XXXX FRAUDULENT UNAUTHORIZED INQUIRES : XXXX XX/XX/XXXX EXPERIAN FRAUDULENT XXXX INQUIRIES : XXXX XX/XX/XXXX
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (NJ)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have disputed a XXXX account with all 3 credit bureaus 2 times and in the last 3 months. It does not seem to be resolved. They keep accepting the creditors information and not doing a thorough investigation as I have supplied proof with my complaints to show that the information is incorrect and to either remove the account or to fix the issue. 

The XXXX account is not a lease, it is a loan. 
It also is a balance of XXXX and not XXXX. 
It also keeps allowing the creditor to remove and replace the account to my credit multiple times which is causing a tremendous drop in my credit rather.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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

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 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.

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 adverse items of information, other than records od 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 2024-04-05
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. (FL)

I am writing to file a formal complaint regarding the inaccurate addresses and incorrect account balances that are currently appearing on my credit report maintained by your agency. Upon reviewing my credit report, I have identified several discrepancies that require immediate attention and resolution. 

These inaccuracies are not only misleading but also potentially harmful to my creditworthiness and financial reputation. I have identified charge-off accounts with incorrect balances listed on my credit report. These inaccuracies are significant as they misrepresent my credit history and financial standing to potential lenders and creditors. I dispute the accuracy of these balances and request a thorough investigation to rectify this error promptly. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information on my credit report, and it is your responsibility as a credit reporting agency to ensure the integrity and accuracy of the information you maintain. Failure to address these inaccuracies in a timely manner may result in legal action. With this, I am asking for your assistance to remove these charge off accounts and inaccurate addresses in my credit file : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$44.00}.
Consumer complaint received 2024-07-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (UT)

I called Synchrony on XX/XX/XXXX at XXXXXXXX XXXX. XXXX and spoke to a customer support agent about the new paper statement fee that Synchrony is going to institute. I asked about opting out of the fee but still getting paper statements. The agent said that he couldn't do that. I would be forced to pay a new fee if I wanted the statements mailed. I wanted to escalate my complaint. 


Email is totally unreliable and I am too old to trust my memory on logging in to check balances. Like most of the world, I track my finances using printed statements. Besides, I receive over XXXX emails per day and can't possible see everything. This is no exaggeration -- it is a conservative number and can be as high as XXXX. Contrast that with the U.S. mail where I get about XXXX letters per day on the average. It is easy to spot important correspondence. I NEED a paper statement and don't think it should cost. It is a cost of doing business. I have about XXXX credit cards and they all mail statements. Paperless is an option for some but never a requirement. 


I want paper statements because it is possible for a charge to be placed on XXXX of my credit cards that I didn't make. That has happened -- more than once -- and each time, I received a statement apprising me of the charge. Each time, I was able to handle the fraudulent charge in a timely fashion because of the paper statement. I should have to engage in research to find out if I have unexpected charges on every credit card! 


I have had my Synchrony card for MANY years. I am an asset to them and they now want to charge me for ordinary business activity. All banks make money off my purchases. They charge the vendor a fee every time their card is used. That fee, along with interest collected on revolving balances, covers the expenses of the business ( not to mention loans and investments, etc. ). It seems like Synchrony is getting greedy. Worse yet, they are making it much easier for people to miss a payment. That consequence would engender a late payment fee and decrease the person 's credit score. This would force many people into financial ruin. I have exceptional credit and have never had late payments. It is risky and unfair to shift these costs to the consumer. 


Also, I am under the impression that there are states where it is illegal to charge for statements. If so, this would be unequal treatment. Yesterday ( XX/XX/XXXX ), I sought to get a waiver by talking with another agent using the chat feature at Synchrony. I spent XXXX minutes and they were no help. Actually, less than no help. I am very frustrated that banks want to shift this cost to the customer while collecting money off every purchase I make. It is unconscionable for a large and hugely successful financial institution to dramatically change its business terms which severely harms and places at risk consumers in this manner. The CFPB needs to investigate this extortion and money grab.