davidheineman/consumer-finance-complaints-large huggingface dataset:
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: FIFTH THIRD FINANCIAL CORPORATION (MI)

Dear sirs, Please find attached below fraudulent transactions from XXXX XXXX XXXX XXXX. Fifth third bank is not resolving this issue. I am a XXXX XXXX XXXX XXXX XXXX. All my retirement money gone. This company never worked with me as I was living XXXX  in my native country. I checked my account in XXXX and got to know these fraudulent transactions and my account wiped off. 

Full list of disputed transactions are as below : - YEAR 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 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 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 Regards. 

XXXX XXXX & XXXX XXXX
Consumer complaint received 2023-08-29
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: EQUIFAX, INC. (AL)

My identity was used to open accounts and after reporting this issue the bureaus seem to not have removed these collections and other inquiries off my credit report. 
They are in violation of 15 US Code 1681c-2 and 1681b. My information was sold to third parties without consent by consumers who seem to not be able to provide signature verification on consent.
Consumer complaint received 2021-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a letter out on XXXX-2020 regarding the inaccurate accounts on my credit report. It has now been past 45 days and still to this day I have not received a response to my letter. According to Section 611 ( a ), a failure to properly investigate these items within 30 days gives a reason to have the items removed from my credit report immediately. Its now past that grace period and I am demanding that the items be removed now. Failure to remove these erroneous items will cause me to file for litigation. Also due to the XXXX  Data Breach my information has been compromised.
Consumer complaint received 2023-11-09
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have been a loyal Bank of America client for over 10 years. I have been a Preferred Rewards Diamond member for 5 years. XX/XX/2023 late in the evening, my Realtor asked for an FHA pre approval letter. I filled out my information online hoping to get the approval letter quickly to give to my realtor. After submitting my information, to my disappointment they were giving loan suggestions and it became clear it was not pre approval but a sales tactic. I get a phone call from a Bank of America representative XXXX XXXX XXXX XXXX  : XXXX who proceeds to ask the exact same questions for about XXXX minutes about questions that I already had answered. Then I get put on hold for XXXX minutes and told I didn't qualify. I could buy the house in cash many times over but I didn't have the proper flow of income for the loan. The representative then sold off my information as a lead to hundreds if not thousands of mortgage brokers without my consent. I've received hundreds of phone calls within the last XXXX hours ( have screenshots of XXXX ) about a security instrument that I don't qualify for. I am considering moving all of my funds to a different company since this incident. I am extremely disappointed with the the way I was treated throughout this entire process as someone who had dedicated faith in the company.
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-03-12
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CO)

I'm filing this grievance as Ive exhausted all options for resolving the payment history for my JC Penney account/card. Ive had my account with JC Penney since XXXX & never missed a payment as I take pride with my credit obligations & payment history. To ensure payments are not missed, I have my account set-up for XXXX  so the billings are not lost in the mail. For whatever reason, I did not receive my billing statement for the sum ( s ) due as I normally do which created my account to become past due. As soon as I became aware of the status I immediately addressed the issue. My frustration is that I expressed I did not receive the billing statement ( s ), yet I feel it fell on deaf ears. As noted, I have been a long-term customer of JC Penney and this made me feel like just a number. It is my hope that Synchrony/ JC Penney will take into consideration my long-standing relationship with JC Penney and restore my perfect payment history for my account status with the credit bureaus.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (PA)

Contacted company on XX/XX/2023 about violations of my consumer rights Im accordance with the Fair Credit Reporting act reporting agencies 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 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-09-18
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. (MS)

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 Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

That this is a housing company and even though Ive provided full documentation proving my identity, they still choose not to let me access my own TransUnion account without going thru a 3rd party vendor
Consumer complaint received 2023-08-29
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. (NY)

I asked Equifax to assure maximum possible accuracy to multiple inaccurate accounts reporting on my credit file. Despite my efforts, Equifax has failed to conduct a reasonable and fair investigation that these accounts are 100 % accurate. The lack of response has caused me significant harm to my financial reputation and mental health. I greatly appreciate your attention to this matter and assistance you can provide to resolve the inaccuracies in my credit report.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Phoenix Financial Services LLC (GA)

account with Phoenix financial account # XXXX Account on credit report showing PAID but still showing balance of {$910.00} Phoenix financial XXXX We are trying to fix our credit and working with XXXX XXXX  in Ga.We are trying to purchase a home. Any help in this matter would be greatly appreciated. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was 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 deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2023-08-30
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. (OH)

Today I called Experian at XXXX XXXX. I spoke with XXXX. I informed XXXX that I am disputing the results provided for my previous disputes as an Investigative Consumer Report had not been conducted. XXXX was very admantly telling me that Experian DOES NOT conduct investigations regarding disputes, they simply reach out to the companies that a consumer submits and the company is to conduct the investigation. I advised that this is a violation of FCRA and FDCPA as every credit reporting agency must conduct an Investigative Consumer Report which includes interviewing family, friends or associates of the person disputing the reporting. Again XXXX was admant that Experian in no way shape of form interviews anyone regarding accounts. THIS IS IN DIRECT VIOLATION OF FCRA and FDCPA and I demand that all accounts that I have previously disputed be updated to show as PAID AS AGREED since it is clear that Experian is not abiding by the laws set fourth. Also I am requesting {$16000.00} in damages as XXXX has advised that Experian will continue to violate the law and not update the credit reporting or conduct a proper investigation. I called using number XXXX.
Consumer complaint received 2024-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (MI)

Wakefield & Associates To whom it may concern : I'm unaware of this debt, I didn't have an opportunity to dispute this information, If in fact you believe you gave me proper notification, then please send the certified mail with a receipt with my name and signature on it, in the state I live in, stating that I received it. 

Please give me the method of validation, regarding the right to collect on this debt, meaning who you talked to, their email address, and their phone number, within the next 15 days.
Consumer complaint received 2023-01-24
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. (TX)

I submitted a complaint on this site before. Complaint # : XXXX. 

I received a response from the credit bureaus regarding the account that does not belong to me. I need assistance in having this account removed. 

They updated the information on the account, but I would like to receive a copy of the documents they received from the creditor to update the information on my credit report. 

Attached you'll find my Drivers 's License & Proof of Address.
Consumer complaint received 2023-08-30
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (DC)

William 's and Fudge used tactics that they know would be inconvenient and embarassing to the debtor ( me ). 

I owe about {$2000.00} from a Perkins student loan ( given to low-income students ). I currently work as XXXX XXXX  for the XXXX XXXX XXXX. To collect this debt, Williams and Fudge called the office for a Member of Congress, spoke to a congressional intern, and left a message with the intern to have me call Williams and Fudge. Later in the day, the intern asked me " what that was about ''. Any reasonable debt collector would know that this is embarassing and could damage my professional reputation. 

This came after Williams and Fudge made several phone calls to my family and friends asking to get in contact with me on an urgent financial matter. 

Williams and Fudge of course had all my contact information. While I'm certainly at fault to some degree for letting the loans go into default, 2022 was a difficult year for me. I was diagnosed with XXXX XXXX in XX/XX/2022, had successful XXXX, and spent the last half of the year recovering. I let some bills slip by that I shouldn't have -- -but the tactics used here for a PERKINS loan are just really unacceptable.
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Someone has stolen my son years ago and had several accounts in my name. Here name is XXXX XXXX and she lives in XXXX, XXXX. I have NEVER lived outside of XXXX XXXX so all other addresses elsewhere like XXXX, XXXX are not mines. I tried to file a police report but they could never find her cause she kept changing addresses so PLEASE remove any address other than XXXX XXXX XXXX and any collections outside of that address because it IS NOT ME AND IT 'S NOT FAIR!!
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXXXXXX 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
Consumer complaint received 2023-12-08
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)

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, 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 2022-12-09
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: American Credit Acceptance, LLC (TN)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account with out my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open rnd consumer credit plan as late for purpose.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, 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. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.