davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
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. (MD)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2018-05-02
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. (TX)

On XX/XX/XXXX I sent in a complaint to the XXXX on Equifax. On XX/XX/XXXX I received the message from Equifax by phone that they have not removed the hard inquiry from XXXX XXXX. The representative from Equifax said that XXXX XXXX needs to send them notification to delete the inquiry ... One received they WILL DELETE THE HARD INQUIRY. I have proof that XXXX XXXX DID in fact notify Equifax to delete the hard inquiry from my credit report ... Equifax is not holding up to their legal obligation to remove the error from my credit! XXXX has already deleted the hard inquiry. XXXX never reported or had knowledge of the inquiry.
Consumer complaint received 2023-09-13
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)

XXXX XXXX XXXXXXXX, Account : XXXX XXXXXXXX XXXX XXXXXXXX, Account : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ), Account : XXXX
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

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 2023-09-13
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. (GA)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 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 2023-07-03
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-19
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. (IL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-09-13
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 am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Avant Holding Company, Inc. (GA)

I was told today XX/XX/2023 that someone showed up at my mother 's house which is also where I live and stated that they were doing a wellness check. 

This is so far beyond outside the scope of any person let alone any business to be doing if they do not know me. It is unprofessional and it is unacceptable for any reason whatsoever. 

I want the information of the person who did this and I want my account to be XXXX  out or I will be taking this information to an attorney due to the mental and emotional stress and having to miss work to go to the commissioner 's office and to the sheriff 's office to figure out what was going on.
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX Acct # starting in XXXX I am writing to dispute a charge off on my credit report that is past the statute of limitations. 

According to my records, the statute of limitations for this debt has expired, and as such, it should no longer be reported on my credit report. This account was settled in XX/XX/2016. 

I request that this charge off be removed from my credit report as as soon as possible.
Consumer complaint received 2023-09-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

Order of Events XX/XX/2023 : 1st Notice I endorsed the bill and sent along with a Letter of Instructions - Re : Claim of Credit, which was sent to the billing department located at : Capital One Auto Finance, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. 

XXXX Certified Tracking # XXXX ( delivered on XX/XX/2023 ) A copy of the endorsed bill was also sent to XXXX XXXX XXXX located at : XXXX Capital One XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Claim of Credit, a notarized Power of Attorney, and a copy of the Federal Reserve Act Sec. 16, Part 1 & 2. 

XXXX Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : XXXX Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX Capital One XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Opportunity to Cure, a copy of the Federal Reserve Act Sec. 16 and Sec. 29, and included a copy of the delivery confirmation from XXXX of the 1st Notice. 

XXXX Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : XXXX Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX Capital One XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Default of Notice, a copy of the Federal Reserve Act Sec. 29, and included a copy of the delivery confirmation from XXXX of the 2nd Notice. 

XXXX Registered Mail XXXX # XXXX ( delivered on XX/XX/2023 )
Consumer complaint received 2022-12-08
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (AZ)

I disputed transaction on XXXX for {$4500.00} on XXXX. I have canceled this scheduled service and have reached out to the company for a refund. They have not responded nor have I been issued a refund. No service was rendered. I called to dispute and was told a dispute was initiated on XX/XX/XXXX and I was told the agent ID XXXX worked my account, but the dispute was closed on the same day of initiation by the contact rep. The agent I spoke with on XX/XX/XXXX says the dispute was initiated correctly but the same day they sent a letter to me requesting more info ( ref no. XXXX ) they closed the dispute noting that the company needed the reason for the dispute on XX/XX/XXXX and this agent identified as XXXX. To be clear I provided them with all of the details relative to the dispute over the phone. Per the rep I spoke with on XXXX this was done incorrectly and the dispute is rarely if ever closed on the same day. He believes there was an error and that the dispute was closed prior to the dispute being worked by the dispute department. My dispute was never investigated, they never reached out to the company to verify cancelation of services, or try to verify any of the data I had given them over the phone. I was further told that the reps could not initiate another dispute, because we are now 60 days outside of the transaction date. The rep also told me they have no record or document of my response to their request for more information which was sent in mid XXXX. I was told to go online to file a dispute, however there is no option for an online dispute. I was told to use the secure message portal to send a message, however the portal is not allowing my message to go through. I have to write another letter and send it registered mail to ensure they handle this properly. The company appears to be grossly negligent with their Reg E processing, making it extremely difficult for the consumer to be able to file a dispute, and follow up on a dispute or may contact with that department. I continue to receive calls from their collection department because my account is now showing delinquent, and they never issued a provisional credit nor did they conduct any type of due diligence to ensure my dispute was investigated, or put any holds on my account to cease collections or contact to collect while this was being investigated. Please help me resolve this issue as this is grossly negligent for a financial institution of this size.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

1. I had a Bank of American credit card account with auto-pay set up on the account for over two years.

2. In XX/XX/2023, there was an amount due on my account at the end of the month. The auto-pay failed to make the required minimal payment. There was ample money in my checking account. I could find no record that Bank of America attempted to make the pre-scheduled auto-payment.

3. When I realized there was a payment due I went online and paid the full balance due along with late fees.

4. I called and asked " customer ser
vice '' how/why my auto-pay feature was disabled. The representative told me simply that she didn't know. She offered no explanation.

5. I requested a refund of late fees. My request was declined by Bank of America.

6. I requested that the adverse report to the credit monitoring agencies be rescinded and corrected. My request was declined by Bank of America.
7. My credit score was adversely affected by the erroneous reporting.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX, {$2000.00} XXXX  payment to XXXX XXXX, this transaction was not authorized by myself.I doubt it was a network steal.but the Chase did not deal my case, I really need the help about it.
Consumer complaint received 2016-08-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

We are currently in an active Chapter XXXX Bankruptcy and decided to surrender the house. In XXXX, 2015, the house was in foreclosure with an auction date set and we applied for a modification against the advice of our attorney and at the recommendation of Nationstar. It was approved for more than what the house is worth and for a 40 year term. We decided to accept the offer anyway. We made our XXXX trial payments and submitted the documentation sent to us. It was returned to us because my husband failed to sign using his middle initial. We sent the new paperwork, which was received by Nationstar on XXXX XXXX. However, they lost our paperwork. I have been in constant communication with my loan officer, XXXX XXXX via email and phone to get this matter straightened out. All the while, Nationstar would not accept a mortgage payment " until the account is updated which ca n't be done until they receive the paperwork ''. The online account statement also states erroneous amounts paid and due. 
I keep getting a runaround ( we 're tracking the paperwork, not able to find paperwork, getting supervisor involved, still ca n't find paperwork, again getting supervisor involved, will call with update and no phone calls ). I have since received a copy of the original paperwork. At this point, we want the mortgage due date to begin in XXXX since we 've been waiting to pay our mortgage. We want a fresh start. Nationstar is unwilling to help us solve this matter. After giving us a runaround for three months and not accepting our payments, they now want the due date to be XXXX.
Consumer complaint received 2023-09-13
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. (MI)

There is an XXXX XXXX account/tradeline on my Equifax and XXXX credit files that is horridly inaccurate. Rather than conduct reasonable investigations, both Equifax and XXXX have chosen to persist the information when it knows or should know the information is false/inaccurate/misleading/incomplete. Now, a credit reporting agencys reliance on information gathered by outside entities is reasonable so long as the information is not inconsistent with the information the CRA ( s ) already had on file ( XXXX, XXXX, and XXXX writing in Hammoud v. Equifax Information Services, LLC, No. 21-2859 ( 6th Cir. 2022 ) citing Wright, 805 F.3d at 1240 ). The most glaring indicator that the account/tradeline is erroneous ( incomplete/false/misleading/inaccurate ) is the statements I provided indicating XXXX alleges to have charged-off the account on XXXX around XXXX XX/XX/XXXX. I provided a copy of the XXXX XX/XX/XXXX letter to CFPB Complaint XXXX, XXXX XX/XX/XXXX response to CFPB complaint XXXX, XXXX XXXX XX/XX/XXXX response to CFPB complaints XXXX, XXXX, & XXXX, and a XXXX XX/XX/XXXX response to my state 's office of Attorney General. Yet, the account is not reported as having been charged-off and has a period beyond charge-off that shows a payment history that is re-aged, brought current, and then randomly reported as being past-due, advancing from thirty ( 30 ) days past-due to one-hundred fifty ( 150 ) days past-due. The account indicates being brought current AGAIN ( re-aging ), and then begins reporting past-due from XX/XX/XXXX thru present advancing to one-hundred eighty days past-due in XX/XX/XXXX and has been marked as such for each additional month. Neither XXXX nor Equifax can claim they are unaware of the issue ( s ) with this account/tradeline. In fact XXXX even claimed they werent responsile for the way the information was being presented to the CRAs. The issue may indeed be with the information XXXX is furnishing to the CRAs. The issue may indeed involve factual and legal inaccuracies. However, the CFPB amicus brief filed in Sessa v. Trans Union , LLC, makes clear that the FCRA contains no exemption from conducting investigations and/or re-investigations that are triggered by disputes involving legal inaccuracies. So, there is no excuse for why XXXX and Equifax have declined to remove the account/tradeline from my credit files. The account/tradeline needs to be removed.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Today is XX/XX/2023. I have been trying for over a year to get TransUnion to fix their website so that I can see my Credit Freeze Status, and they have only been able to provide an acknowledgement that the system is, in fact, broken while also only providing false promises that it will be fixed. The usual commitment is 2-5 business days. So far, it is still not fixed after close to two years. 

After countless phone calls, transferred calls, and online chats, their system is still broken and they refuse to help me. I should be able go online and see my Credit Freeze Status, but I have to call and wait, most of the time for up to an hour, just to talk with someone. Once I get someone on the phone, I am able to get my freeze status after about 15 mins of verification activity, but my account is still broken after each call. 

In every call I ask for help with my online account, but I am only transferred around until someone finally makes a false promise that never comes to pass. 

They don't have anyone in Web Services Support to help. They provide a number to call, but again, there is no one to help me. They don't even have an email address that I can use to lodge my complaint and ask for help. 

I have had four different TU tech support people tell me that they see an error code ( 320 ) which is blocking my account from showing the correct information. So far, even though I have been transferred multiple times, I can never get to the people that can actually clear the code.

Since TransUnion is one of the three credit agencies that I MUST use, I believe that they should be required to fix THEIR issues. If I had a choice, I WOULD NOT USE TransUnion, but as we all know, I don't have a choice. None of us do. 

Details : When I click on the icon on their website landing page titled " Credit Freeze '' I am directed to an error page that states : " Sorry, we're having trouble showing the status of your credit freeze right now. You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. Our support hours are Monday - Friday XXXX XXXX XXXX XXXX XXXX. and Saturday - Sunday XXXX XXXX XXXX XXXX XXXX. Eastern Time. '' The chat or call recommendation has been used many, many times, but still no resolution for a TU known issue.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

See the documents attached. 
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Consumer complaint received 2023-09-13
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. (MA)

Credit card is showing on my account that a court has issued a judgment in MY FAVOR. This account needs to be removed. The company stated in the last complaint it was removed but it is still showing.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I am writing to dispute the accuracy of the information on my credit report as provided by your credit bureau. Specifically, I am concerned about the presence of collections accounts and unauthorized hard inquiries that are negatively impacting my credit score. Under the Fair Credit Reporting Act ( FCRA ) Section 1681, I have the right to ensure the accuracy of my credit report, and I am seeking your assistance in rectifying these errors. 

XXXX XXXX XXXX XXXX XXXX XXXX ORINGAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORGINAL CREDITOR XXXX I have also noticed unauthorized hard inquiries on my credit report, which can negatively impact my credit score. I have not authorized any organization or individual to access my credit report for the following inquiries : XXXX XXXX XXXX XXXX XXXX