davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

All 3 credit bureaus are reporting and have reported 38 say late payment on one of our XXXX account.

Due to extreme high interest rates and our retirement income low, we consolidated our 3 large credit card debts in to a reasonable payment with year payoff of the {$30000.00} debt. 

Credit card companies, without cause of anything we have done, elected again to put rate up to 25 %. With a FICO score of XXXX, and local bureaus score of XXXX, we have earned rates under 6 %. Without cause these three cards 2 XXXX XXXX, and one XXXX went from low to 25 %. We asked for reduced rate based on our years of in time payment history. Home and motorhone on time payments ( motorhome interest rate 4.5 % shows we had great credit.. 

Due to a clerical issue when we consolidated loans. One of the XXXX XXXX loan payment was 38 days from our early payment before consolidated loan payments started. Late on billig date 1 day. As soon as we saw we fixed the accounting with XXXX XXXX XXXX. 

There was NO 38 day late only 38 days from previous payment date. 

To add to this incorrect defaming action on the 3 credit bureaus. Our credit scores dropped from XXXX FICO and local bureaus XXXX to XXXX. With on time payments for years. The bureaus are not reporting length and number of accounts, and all ontome payments to punish our great record. 

Attached find ambiguous reporting. Punishing words unfounded, lies, total fabrications to punish great payment and credit responsibility. 

Totally irresponsibility on the part of these companies required to reporting truth.. i will attach some screen shots shoeing as much as I can.. more upon request
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent off a letter on XX/XX/XXXX, XXXX to remove personal information that I didn't authorize on my credit report. According to the fair credit reporting act 12USC 1681. I have the right to privacy also according to 15 USC 6802. No financial institution is not supposed to share my information with third-party people. 

these are clear violations of my federally protected consumer rights.
Consumer complaint received 2021-05-16
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CREDIT ACCEPTANCE CORPORATION (NC)

Multiple calls everyday. Company received cease and desist letter XX/XX/2021. Im still getting unwanted calls XXXX XX/XX/2021, XX/XX/2021 ) and email as well. Not to mention, the violations : 15 USC 1692b ( 5 ) 15 USC 1692c ( a ) 15 USC 1692c ( c ) 15 USC 1692d ( 5 ) 15 USC 1692e ( 2 ) ( a ) 15 USC 1692e ( 3 )
Consumer complaint received 2023-04-11
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. (IN)

You are reporting inaccurate accounts on my credit report!! You must remove all of these accounts as soon as possible. This is not mine!! IM WORKING DAY AND NIGHT JUST TO HAVE THIS?? THIS IS UNACCEPTABLE!!
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NJ)

I had a JCPenny Credit Card opened in XXXX that I had closed and completely paid off in XX/XX/XXXX. I had a improved credit report score by JCP synchrony bank in XX/XX/XXXX. I have since been getting a false credit report of {$13.00} charge and delinquent and derogatory account that is negatively effected my credit score every month since then. And the price increases by {$2.00} almost every month. I called JCP they no longer have any of my dates or payment information because the account was deleted. They said they could not help me. I have my account number and my social security and photos of all the false credit score reports. 

Starting in XX/XX/XXXX {$13.00} synchrony bank jcp XX/XX/XXXX {$15.00} XX/XX/XXXX {$17.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$21.00} XX/XX/XXXX {$21.00}
Consumer complaint received 2023-08-08
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. (MA)

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 2023-06-04
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: SYNCHRONY FINANCIAL (FL)

Synchrony bank Credit cards for rooms to go, care credit, Jcpenny, marshalls. I asked for confirmation of debt with all the wet signatures. They sent me the statement which is not what I asked for. I sent the ceo my fee schedule. Reversing provisional credit {$50000.00} per occurrence, refusing a negotiable instrument {$10000.00} per occurrence {$40000.00}, closing an account without permission {>= $1,000,000} per account {>= $1,000,000} plus {$50000.00} plus {$40000.00} equals {>= $1,000,000} paid to XXXX XXXX authorized absent for XXXX FOX.This case will go for arbitration because we can check the books for the double billing I discovered trust fraud. We are not a U.S. citizen incompetent XXXX according to XXXX XXXX definition. I am a XXXXmerican State National.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX is not reporting to credit bureau in a timely manner or reporting and then changing it back I suspect to keep customers at a higher interest rate I have paid at least half of my card off and its been almost 60 days and it has not been reported to the credit bureaus on Experian it was reported and then changed back bringing my score down
Consumer complaint received 2023-06-04
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: AMERICAN EXPRESS COMPANY (TX)

I purchased swim lessons for my girlfriend at XXXX using my American Express Gold card. Eventually, we cancelled the classes. However, the company continued to charge for the classes ( actually double charged us ). There were two charges, for {$78.00} and {$130.00}. Both the company and American express refused to refund the charges even though we cancelled the services after a couple months.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2022, I made a electronic check payment to XXXX bill in the amount of in the amount of {$97.00}. On XX/XX/2022, my payroll from XXXX XXXX XXXX XXXX was posted to my checking account and the funds in the amount of {$97.00} was withdrawn from my TD bank checking account. On XX/XX/2022, my XXXX service was disconnected. I called XXXX in regards to the disconnection of my light service; I was told the check was returned. TD bank never notified me the check was returned because on XX/XX/2022 the amount of {$97.00} was withdrawn from my checking account for the XXXX bill. I was never charged overdraft fee for return check for the XXXX bill payment.
Consumer complaint received 2023-06-04
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: Bridgecrest Acceptance Corporation (SC)

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 U.S.C. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 15 U.S.C. 1681 SEC 602A States i have a right to privacy.

15 U.S.C. 1681 SEC 604A SEC2 Also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 C. ( A ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any of the following items of information other than records of conviction of crimes which antedates the report by more than 7years.

15 U.S.C. 1681 SEC2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-22
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: Experian Information Solutions Inc. (GA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX  Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX Inquired on XXXX  XX/XX/2022 XXXX Inquired on XX/XX/202XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 XXXXXXXX XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/20XXXX XXXX
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (GA)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being lat
Consumer complaint received 2023-06-19
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. (FL)

Transunion, XXXX, XXXX. All of these credit reporting agencies are reporting, inaccurate information on their reports without my written consent. According to 15 U.S. code 1681B. They are reporting late payments with XXXX, inaccurate addresses, as well as employers that I dont work for. I never gave them written consent to report my information.
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my credit report, I noticed that the listed accounts contain inaccuracies and appear to be fraudulent. I am displeased with this discovery and insist on the prompt removal of these inaccurate accounts
Consumer complaint received 2023-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HANCOCK WHITNEY BANK (TX)

Hancock Whitney Bank claims I have delinquent property taxes for tax year XXXX- Hancock Whitney for a 2nd time claimed I have delinquent property taxes. 
- Hancock Whitney insists I must provide proof which I have done twice this year via fax and e-mail Background History - My loan XXXX does not have an escrow account - I pay my own taxes - I have paid my taxes on time for this loan since inception in XX/XX/XXXX. 
- This year is the first year Hancock Whitney began claiming I have delinquent taxes. 
+ XX/XX/XXXX : Hancock Whitney sent letter claiming I had delinquent taxes of {$530.00} due to XXXX XXXX. 
+ XX/XX/XXXX : I called Hancock Whitney ( XXXX ) to advise them of their incorrect information and faxed ( XXXX ) proof of my tax payments and statements showing no delinquent taxes. I spoke to a manager in the property tax department. Her name was XXXX. 
+ XX/XX/XXXX : I called ( spoke to XXXX XXXX and emailed Hancock Whitney with attached proof of tax payments. 
+ XX/XX/XXXX : Hancock Whitney sent letter acknowledging my complaint. 
+ XX/XX/XXXX : Hancock Whitney emailed me ( XXXX ) stating they received my proof of tax payments and had updated their records accordingly. 
+ XX/XX/XXXX : Hancock Whitney sent a new letter again claiming I had delinquent taxes in the amount of {$530.00} for parcel XXXX. Letter received XX/XX/XXXX. 
+ XX/XX/XXXX : I again sent an email with attached proof of payments. I advised Hancock Whitney I would file a complaint with CFPB. 

Please contact Hancock Whitney and help me determine why they are harassing me. My personal opinion is incompetence, but I will reserve final judgement based on your findings.
Consumer complaint received 2023-06-19
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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.
Consumer complaint received 2020-08-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020, i went to a local Chase branch and opened a joint checking and savings account, in my name and my wifes name. We have been using the accounts since that date on a daily basis. I received a letter today from Chase saying that they have decided to close my accounts. I called the number on the letter and was told that Chase had decided to close the accounts with no reason given. I asked for more information and was hung up on.
Consumer complaint received 2023-06-04
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Mid-South Adjustment Co., Inc. (FL)

I have received a letter from this company named Mid-South Adjustment, co. This is now the third time they have sent me a letter stating they are collecting a debt I owe Veterans Affairs. I don't know how Iam being contacted? I pay the VA every month. For about a year they were sending a check to me stating I had overpaid about 2 years ago when the pandemic started.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CT)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2023-04-11
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. (MO)

See the attached docuents. I want the brueau to start teh investigation on these accounts on these accounts. I am never been late in this account.
Consumer complaint received 2023-06-04
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. (TX)

There is an issue with fraud alerts, credit freezes and unknown credit inquiries appearing on my credit report. Experian has allowed unknown sources and dangerous individuals and organizations to access my credit file placing me and my children 's life in danger all because I am no longer paying for a membership. 

Credit bureaus are private companies not the government and they need to stop taking advantage of American citizens. I am a Veteran and I have the CRAs selling my information without my consent- it is actions like this which contribute to the country falling apart. Stop helping criminals and protect American citizens information under law.
Consumer complaint received 2024-03-08
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-22
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: Experian Information Solutions Inc. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA XXXX XXXX you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX  XXXX Balance : {$390.00} ; TXXXX XXXX  Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXXXXXX Balance : {$930.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; 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