davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
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: TRUIST FINANCIAL CORPORATION (FL)

Truist bank reported a 30 days late payment notice to credit bureau on XX/XX/XXXX reporting that I have a past due payment for {$120.00}. A check for {$120.00} was sent to Truist on XXXX XXXX which was cleared and cashed by Truist on XXXX XXXX, But Truist failed to post the check to my account due date on XXXX XXXX and instead they posted the check on XX/XX/XXXX, XXXX resulting in a late payment. 

In addition, payments record from Truist credit card statement indicates that I have never failed to submit a payment on time. Therefore, I am not sure where is the 30 days late reporting is coming from. 

Upon contacting Truist, They indicaed that there are a posting problem on their end and sometimes it is taking more time, which causing for the payments being misapplied towards different statements and invoices. 

I filed a claim with truist to correct the reporting on XX/XX/2022 and I have yet to hear from them. I filed a dispute with XXXX on XXXX XXXX as well and I submitted all the evidance supporting my case ; however, they still did not remove the late payment reporting on my payment history which is resulting significant financial damage due to my credit scoring dropping more than 50 points which led to me not being able to apply for financing to purchase solar panels system for my property.
Consumer complaint received 2023-02-05
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)

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 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 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 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The department of education has failed to comply and follow through with the settlement terms set forth in the settlement entered on XX/XX/XXXX, and effective XX/XX/XXXX, for XXXX loan borrowers who are in the automatic discharge group. 

I am a full class member of the automatic discharge group. 

I have reached out several times to StudentAid.gov, my loan servicer, XXXX, and done my best to attempt to contact the Department of Education directly regarding the matter, as well as shared my experiences with the XXXX. 

I have recently as of the month of XXXX, filed disputes with all 3 credit bureaus, and all 3 major CRAs ( TransUnion, XXXX, XXXX ) have all failed to remove the XXXX XXXX loan accounts from my credit report as is required by law. 

Per the settlement, I should have received all monies paid to the Department of Education for my XXXX XXXX loans, full discharge of my XXXX XXXX loans, as well as full removal of the information from my credit report no later than XX/XX/XXXX. To date, I have received no relief.
Consumer complaint received 2023-02-05
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. (AZ)

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. 

1. XXXX XXXX  acct # XXXX 2. XXXX XXXXXXXX XXXX XXXX acct # XXXX 3. XXXX XXXX acct XXXX XXXX 4. XXXX XXXX  acct # XXXX 5. XXXX ( original creditor XXXX XXXX XXXX  acct # 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 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Investment Retrievers, Inc. (CA)

On XX/XX/2022, a collection agency ran a hard pull on my credit without my authorization. 
They are a collection agency. XXXX let them do that. It is my understanding they can't do that. It's not for a job. It's not for credit. It's not for insurance. An apartment. 

How can they have such disregard for credit laws?
Consumer complaint received 2023-05-23
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: Deinde Online Services, LLC (FL)

Im following up on a complaint against Integra Credit and XXXX XXXX XXXX  for practices that I believe violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

According to my agreement with Integra Credit, all disputes related to my account were to be resolved through arbitration. However, without my consent or any arbitration proceedings, Integra Credit sold my loan to a collection agency, XXXX XXXX XXXX. In their response they admitted they don't own the debt that it was owned by a collection agency. I believe this act constitutes a breach of contract and violates my rights as a consumer. 

When I became aware of this issue, I contacted Integra Credit and expressed my willingness to repay the debt directly to them. Despite my willingness to settle the debt, Integra Credit refused to recall the debt that I believe was sold illegally. 

Furthermore, in the course of this transaction, Integra Credit disclosed my personal information to XXXX XXXX XXXX without my consent. I believe this is a violation of FCRA Section 604 ( a ) ( 3 ) ( F ), which restricts the dissemination of consumer information without a legitimate business need. 

Following the acquisition of my loan, XXXX XXXX XXXX has engaged in harassment in an attempt to collect the alleged debt. They have called me multiple times during work hours and even contacted my workplace directly. They have also threatened to report the debt to credit reporting agencies if I didn't pay them. In order to avoid further harassment and potential harm to my credit report, I felt forced to pay XXXX XXXX XXXX. 

I believe these actions constitute violations of FDCPA Section 806 ( 5 ), which prohibits causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number ; FDCPA Section 805 ( a ) ( 1 ), which prohibits communication with a consumer in connection with the collection of any debt at the consumer 's place of employment ; and FDCPA Section 807 ( 5 ), which prohibits the threat to take any action that can not legally be taken or that is not intended to be taken. 

In light of these concerns, I request that the CFPB investigate these issues and take appropriate action to protect my rights as a consumer. I also ask that Integra Credit remove this account from my credit report immediately, as I believe it was wrongly sold and reported to the collection agency.
Consumer complaint received 2019-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are reporting an incorrect coding of the XXXX XXXX partial account numbers XXXX. This account needs to be coded as an M1. ( Please see pages 6 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-07-21
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: CITIBANK, N.A. (VT)

I have registered a complaint few weeks back and still my issue is not resolved. With the credit card company I have informed it on the month of XXXX, for the transaction made on the month of XXXX, XXXX and XXXX. 

I have a bill of {$1300.00}. And all those transactions are fraudulent and tried to dispute it with my credit card issuer i.e. Citi Bank. 

They have disputed few of the transactions but not all, still {$1300.00} is yet to be resolved.
Consumer complaint received 2023-01-05
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: EQUIFAX, INC. (GA)

High I'm reaching out because I recently got my equifax credit report # XXXX and I've noticed these hard inquiries on my credit report that I don't recognize or gave written consent to anyone of them. I have rights under 15 usc 1681 that state Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I ask these inquires be looked into and verified along with proof of verification. If said inquires can't be verified or shown proof I ask they be removed from my equifax report XXXX XXXX did a inquire on XX/XX/XXXXXXXX XXXX XXXX # XXXX did inquires on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX did a inquire on XX/XX/XXXX XXXX
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Consultants, Inc. (ME)

I noticed a few weeks ago that I had a collection account from   XXXX   XXXX   on my credit report. I did an online chat to try to see where this stemmed from. The rep could not find any balances I owed, I called in and spoke with another rep who had the same findings. A few days later a woman contacted me saying they found that I never returned equipment and had an outstanding bill. I did return the equipment and closed down the account back in  XXXX  of  2014 . I disputed the information and they agreed to remove it. They removed it from   XXXX   and  XXXX  but not  XXXX . So I called back in and discovered its because they never notified the collection agency and now they are refusing to contact the collection agency and are stating the debt is valid. Doing research online and they have a history of doing this to consumers.They have not provided proof that this account and balance is valid.
Consumer complaint received 2022-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BOA OWES ME {$430.00}, since XXXX XXXX. Don't understand why BOA would accept an incoming credit on a closed inactive account from XXXX INSTEAD OF REJECTING IT. I have reached out to the bank several times having to keep explaining my story over & over and no resolve or check. which I've told them several times and updated my address with them since. I'm tired of getting the run around about my money & can't even hardly afford gas & buy groceries. This freaking bank don't care about people. 

The sent a check back on XX/XX/2022 to the wrong address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-01-05
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: BARCLAYS BANK DELAWARE (PA)

I purchased XXXX airline tickets frontier airlines on XX/XX/2022 to travel to XXXX airport XXXX XXXX Florida to depart from XXXX on XX/XX/2022, hurricane ian hit and airport shut down for one week.i used my Barclay credit card, i got refind XXXX XXXX. Yet i was looking at my Barclay credit card statement XX/XX/2022 statement and i was charged XXXX from frontier i immediately called bank. As i never ever received any documents that i was going to be charged. They told me to write a letter, i sent certified, i was bounced back and forth, i called XXXX. Barclay bank does issue credit cards for airlines. BARCLAY BANK IS IN COLLUSION WITH FRONTIER. I want my XXXX refunded no one could fly, there was no electricity, the airport shutdown over one week. Im over 65 years ol. I didnt cancell. Please shut down barclay card and fine them. Frontier airlines are scammer, but when your bank cheats you its pretty bad.
Consumer complaint received 2023-01-05
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. (MD)

In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2023-05-04
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. (FL)

This block is not being requested in error ; this block is not being requested on the basis of misrepresentation of fact. I, XXXX XXXX, a Federally Protected Consumer, did not obtain possession of goods, services, or money as a result of this transaction. This request is not a duplicate. Experian has been furnishing fraudulent accounts onto my consumer report.
Consumer complaint received 2017-07-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

This has been happening a long time, Macy 's and some other charge me a monthly fee on top of more than half of my monthly payments in interest. I do n't want to pay 25 % interests rates when I 've been paying them and everyone else every month on time! Then to discover this is absurd! I 've been a customer for years now ...
Consumer complaint received 2023-02-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NY)

I would like to file a complaint against Wells Fargo bank. 

I had savings accounts in my kids names at Wells Fargo bank in XXXX on XXXX, and there were fraudulent withdrawals made from the account. 

I have been trying to get this resolved with the bank for XXXX years, and they keep denying my claim. 
I would like to have the stolen funds returned to my children 's accounts, and the interest to be paid that they lost out on. 

I have all of the transaction dates, account numbers, and even a strange address in XXXX someone used to withdrawal the money from. 
I even filed a police report with the XXXX XXXX  State Police. 

Still, Wells Fargo will not return our money. 

The reference number for the claim filed with Wells Fargo is : XXXX
Consumer complaint received 2024-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not authorize following hard inquiries XX/XX/year> XXXXXXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX ( XXXXtimes )
Consumer complaint received 2023-02-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blitt and Gaines, P.C. (IL)

On XX/XX/2022 I received a summons to appear form XXXX XXXX XXXX XXXX represented by Blitt Gaines PC. I never received a notice that I could dispute this debt.
Consumer complaint received 2023-02-05
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)

XXXX accordance with the Fair Credit Reporting act 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 2022-11-13
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. (AZ)

All three credit agencies continue to report erroneous information. There are now reporting a foreclosure on a commercial loan XXXX that had to do with a company XXXX this is continually start a Find My business reporting under my personal name and not my XXXX. I will be seeking legal action for a civil action against all three credit agencies, Experian, XXXX, and XXXX XXXX for continuing to report erroneous miss information. This is a notice and demand to cure this issue immediately I will be seeking civil action against XXXXXXXX XXXX XXXX as well. XXXX XXXX XXXX is also reporting erroneous information of 90 day late when that is not correct there was a forbearance plan due to the Covid act due to an illness and all the payments have been made as agreed. This needs to be corrected immediately by all three credit agencies, Experian, XXXX XXXX, and XXXX. There is liability looming at this point.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2022-11-13
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. (MO)

n 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 has violated my rights. 
XXXX XXXX XXXXXXXX XXXX : # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX : # XXXX has violated my rights. 
XXXX XXXX XXXX  XXXX : # XXXX has violated my rights. 
XXXX XXXX XXXX  discharged : # 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 2022-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Avant Holding Company, Inc. (AR)

I opened an Avant mastercard by Invitation from Avant in XX/XX/2022, I was approved for a {$1500.00} credit limit with no fees. After receiving the card, I used it for {$320.00} then paid it in full before the payment was due. The next month Avant lowered the card limit to {$300.00} with no explanation, Avant hurt my credit for no reason. I am in a credit rebuilding situation already and their action put me further away from my goal of good credit. When they decreased my limit I had a XXXX score with ten old negatives and 13 positive current open accounts with like {$14000.00} available credit and {$150.00} balance cross all cards and 15 old closed accounts in good standings with XXXX bal. I had decent enough credit to get approved for almost any credit I applied for.. Ok here is the scam. If a customer pays the card in full every month and doesn't accrue any 29.99 % interest, they lower your limit by 80 %. I just read customer reviews from the Avant web site and most are almost exactly like what I'm writing here today. Paying their balance in full and having their limit decreased by XXXX % which lowers their credit score even more they're trying to improve! They are preying on citizens who are just trying to better their credit standings and it's not fair! We can't even close these scam cards because it will hurt our credit even more!