davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (NJ)

I filed my tax return for XXXX i had them direct deposited to credit karma account which I received XXXX but before i got my card and tax return i was XXXX  XXXX and wasnt released until XX/XX/XXXX when i got released I checked on it because i really needed it which i found out my card was stolen and activated and my funds were spent from XXXX XXXX XXXX so i filed a dispute which they denied so I escalated it and told them i had proof of my XXXX which they never got back to me nor told me anything else.they said their working on it put i have no open/pending cases for it may i please get some help please and i also tried to call and explain everything
Consumer complaint received 2022-11-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (NY)

Comenity Bank has and still has a system breakdown where myself and hundreds if not thousands of consumers can not access their accounts to pay or use their credit cards. 
Comenity Bank will not take responsibility for this and now has passed off to collection agency after ruining my credit. I am part of a class action law suit and am waiting for settlement as per my lawyer. I, along with hundreds if not thousands are suing Comenity Bank for ruining our credit. Comenity Bank 's irresponsible actions have caused me to lose the ability to lease space to teach my classes and have impacted my ability to earn income as well as renting and purchasing a home by decreasing my credit score from good to fair to poor all their fault. I will counter sue Comenuty and credit collection for this. I have months of proof with broken links sent by Comenity bank and proof that I could not access my account and associates who could not access or find my account. I have a stellar payment history with all my credit and Commenty up until XXXX when their system was compromised.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing a formal complaint against TransUnion for their deceptive practices and failure to remove inaccurate and unverifiable negative accounts from my credit report. The Bureau 's recent order against TransUnion, issued on XX/XX/2023, provides clear evidence of their violations of consumer rights and regulatory requirements. 

According to the Bureau 's findings, TransUnion has engaged in deceptive practices by failing to place or remove security freezes and locks on consumers ' credit reports in a timely manner. This failure has affected tens of thousands of consumers, including vulnerable individuals, for an extended period of time. 

As an affected consumer, I have personally experienced the detrimental effects of TransUnion 's deceptive practices. Despite bringing the inaccurate and unverifiable negative accounts to their attention and requesting their immediate removal, TransUnion has failed to take appropriate action. These negative accounts continue to hinder my ability to obtain credit and secure housing, causing significant financial and personal distress. Again, despite raising this issue, and pointing out clear violations. I have not received any notifications regarding the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the credit bureaus, and I have yet to receive a response I kindly request the Consumer Financial Protection Bureau to investigate my complaint thoroughly and hold TransUnion accountable for their deceptive practices and failure to rectify the harm caused to consumers. It is imperative that TransUnion promptly removes the inaccurate and unverifiable negative accounts from my credit report. 

I have attached a copy of my previous letter to TransUnion for your reference, outlining the violations committed by TransUnion and my request for removal. I kindly request your assistance in resolving this matter and seeking a fair resolution.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

Account name 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. 

This account was paid off XXXX XXXX XXXX  XXXX Credit Card {$0.00} Balance as XXXX Payment details Terms Revolving Payment status Paid, was past due 120 days Minimum monthly payment {$0.00}
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. Original creditor. 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 a account without my written Instructions. 15. U.S.C 1681c ( a ) ( 5 ). Section States : no consumer reporting agency may make any consumer reporting 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 customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX, I am a living soul. I dispute owing debt ( s ) to XXXX XXXX XXXX XXXX reported unverified by TransUnion. It has been very stressful and exhausting in pursuit to exercise my right to Fair Credit Reporting Act. I received a copy XX/XX/XXXX of consumer report with TransUnion after submitting several disputes on each. XXXX XXXX XXXX XXXX used my identity, name and social security number without my written or verbal consent and furnished collection account ( s ) to the public on my consumer report that are false misrepresentations of accuracy. My credit disputes and my right to an accurate and complete report were denied by XXXX and TransUnion. The date, the account number, the account status, insurance payment status, dispute remarks, dispute comments, dollar amount, the original creditor, the loan type and assignment of debt to the collector are disputed as inaccurate and unverified. According to FCRA all accounts must be reported with the maximum possible accuracy. I called TransUnion Friday XX/XX/XXXX, and was transferred @ XXXX EST to XXXX XXXX a Supervisor in XXXX XXXX PA XXXX I explained my results received after dispute XX/XX/XXXX states XXXX XXXX XXXX XXXX account was supposed to be deleted and removed from my credit report. XXXX did not take care to assist me. I then was transferred, I spoke to XXXX, a supervisor until XXXX EST. I and my witness explained the investigation results we received online said the collection should be deleted, the item was not deleted, nor was it removed. XXXX XXXX XXXX XXXX. I disputed XX/XX/XXXX for not being an attorney. I confirmed with XXXX the dates in his system with TransUnion when I disputed this account again XX/XX/XXXX, on XXXX XXXX, XXXX XXXX and XX/XX/XXXX, with a letter to validate a claim was closed and paid, I wrote to XXXX XXXX XXXX XXXX and disputed a judgement or relevant factual information was never provided for validation as requested. Georgia state law has a statute of limitations that was exceeded. I sent a certified letter to XXXX XXXX XXXX XXXX to cease and desist XX/XX/XXXX. I realize I have been a victim of unfair and deceptive business practices and identity theft as my requests to delete the account ( s ), reinvestigate the documents. All my written, verbal and certified requests for accuracy have been ignored by these companies. I do not owe the original creditor or national credit systems accounts XXXX nor XXXX debt ( s ) disputed. All claims were paid by XXXX XXXX XXXX XXXX for claim # XXXX, XXXX of XXXX. Please see attached Cease and Desist certified receipt to debt collector XXXX XXXX XXXX XXXX. The claim receipt from XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Results from TransUnion to delete the duplicated account ( s ) disputed XX/XX/XXXX or prior to this date. Best Regards.
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information XXXX be disclosed to a third party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information XXXX be disclosed or exercise the nondisclosure agreement.
Consumer complaint received 2023-05-30
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: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation XXXX a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2023-02-14
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. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point XXXX not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

Got an alert that XXXX XXXX XXXX opened an account. I did not authorize. My old account should be reporting XXXX. 
Misuse of credit card, continued reporting on XXXX account. Keeps reporting old info for purposes of extortionate means. Credit bureaus are reporting inaccurate information. 
Account XXXX lawfully on XX/XX/XXXX. 
By payment in full. 

Keeps reporting billing errors under 12 CFR 1026.13. Collected payments for 3 years on a account that had a finance charge. I asked company to cease and desist for the first time in XX/XX/XXXX. 
Company is blatantly trying to extort funds by negatively reporting on my report. I have seemed remedy with the company several times. 
Company did not default account per new cfpb investigation and I feel that I am party to that complaint. Company stole vehicle and sold vehicle, after collecting the full finance charge, did not disclose the details of the contract. Failed in fiduciary duty to protect the beneficiary. Used beneficiary signature to receive credit, and then collected federal reserve notes, under a alleged car loan. Can not lend money under 42 USC 408. Is purporting that I owe them on a " loan ''
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Got an alert that XXXX XXXX XXXX opened an account. I did not authorize. My old account should be reporting XXXX. 
Misuse of credit card, continued reporting on XXXX account. Keeps reporting old info for purposes of extortionate means. Credit bureaus are reporting inaccurate information. 
Account XXXX lawfully on XX/XX/XXXX. 
By payment in full. 

Keeps reporting billing errors under 12 CFR 1026.13. Collected payments for 3 years on a account that had a finance charge. I asked company to cease and desist for the first time in XX/XX/XXXX. 
Company is blatantly trying to extort funds by negatively reporting on my report. I have seemed remedy with the company several times. 
Company did not default account per new cfpb investigation and I feel that I am party to that complaint. Company stole vehicle and sold vehicle, after collecting the full finance charge, did not disclose the details of the contract. Failed in fiduciary duty to protect the beneficiary. Used beneficiary signature to receive credit, and then collected federal reserve notes, under a alleged car loan. Can not lend money under 42 USC 408. Is purporting that I owe them on a " loan ''
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CLGF Holdco 1, LLC (NC)

On XX/XX/2021 without my authorization and permissible purpose, my consumer report was accessed for promotional purposes without my knowledge by CB INDIGO located at XXXX XXXX XXXX XXXX, OR XXXX. Pursuant to 15 USC 1681 ( b ) they are in violation of FCRA I have sent a communication to the party responsible which I will be attaching to this complaint.
Consumer complaint received 2023-05-30
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing a formal complaint against TransUnion for their deceptive practices and failure to remove inaccurate and unverifiable negative accounts from my credit report. The Bureau 's recent order against TransUnion, issued on XX/XX/2023, provides clear evidence of their violations of consumer rights and regulatory requirements.

According to the Bureau 's findings, TransUnion has engaged in deceptive practices by failing to place or remove security freezes and locks on consumers ' credit reports in a timely manner. This failure has affected tens of thousands of consumers, including vulnerable individuals, for an extended period of time. 

As an affected consumer, I have personally experienced the detrimental effects of TransUnion 's deceptive practices. Despite bringing the inaccurate and unverifiable negative accounts to their attention and requesting their immediate removal, TransUnion has failed to take appropriate action. These negative accounts continue to hinder my ability to obtain credit and secure housing, causing significant financial and personal distress. Again, despite raising this issue, and pointing out clear violations. I have not received any notifications regarding the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the credit bureaus, and I have yet to receive a response I kindly request the Consumer Financial Protection Bureau to investigate my complaint thoroughly and hold TransUnion accountable for their deceptive practices and failure to rectify the harm caused to consumers. It is imperative that TransUnion promptly removes the inaccurate and unverifiable negative accounts from my credit report. 

I have attached a copy of my previous letter to TransUnion for your reference, outlining the violations committed by TransUnion and my request for removal. I kindly request your assistance in resolving this matter and seeking a fair resolution.
Consumer complaint received 2023-04-17
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. (NY)

omeone used a XXXX 's credit card that I applied for but never got it. Someone else got it and used it. They also tracked my SSN and my email address. I received alerts from the XXXX XXXX saying that my password was exposed. 

XXXX XXXX XXXX Compromised Email Address XXXX XXXX XXXX, XXXX  Credit Alert Delinquent AccounXXXX XXXX XXXX XXXX XXXX from XXXX Credit Alert Delinquent Account XXXX XXXX. 

XXXX XXXX XXXX from TransUnion XXXX XXXX XXXX  Compromised Email Address XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

For the credit report XXXX XXXX XXXX  XXXX, there are inaccuracies for this account across all the 3 credit report which is in violation FCRA section 1681e ( b ). Also on XX/XX/year>, I asked for certification of this account belonging to me from the XXXX credit bureaus but I was never given this certification. For this, I believe the dispute was not properly investigated which violates FCRA section 1681e ( b ). I am asking that this account be removed from my Transunion and XXXX accounts for this violation.
Consumer complaint received 2023-04-17
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$880.00}, XXXX XX/XX/XXXX
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is XXXX XXXX XXXX. 

This delinquent account record is inaccurate because I did not miss payments between XXXX and XX/XX/2017. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. 

Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kelsting Group, Inc. (CA)

Pacific Credit Collection is claiming that I owe {$3900.00} for a disputed bill with a veterinarian located in XXXX, CA. This is unfairly affecting my credit score. Because the transaction was verbal, apparently, I have no proof that what I am disputing is correct. We verbally authorized XXXX XXXX on our Pug, and the Vet performed an additonal XXXX without our consent, which ended up killing our dog. Now, 8 years later, they have put it on our credit report and there is no recourse for me. How is the possible? Please help. 
Thank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureaus must validate these inquiries 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 inquiries need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX Inquired on XX/XX/XXXXXXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX