davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
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: Avadyne Health Holdings, Inc (AR)

H & R Accounts XXXX they said they got my information from some other company which is wrong and plus I told them its not me she said so Im still gon na pay for it and hung the phone up in my face just rude and they keep calling me. I need help with this matter asap. XXXX XXXX solution XXXX once again his account is not mines tried to contact them and correct it and I get no help from them once again a third party bought my information.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming that a late payment has been made on my account. I do not remember ever being late with a payment on this account. 

I had on-going issues with the company drafted my payments from my checking account instead of my saving account, which enabled me from making online payments. I have called the company several times after noticing returned payments from my checking account. 

I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give adjustment to remove the late payment. Thank you for your consideration, and I hope you'll approve my request Sincerely, XXXX XXXX
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc. (FL)

This information is continually reappearing on my report, even though there is no balance, the information should have been entirely removed permanently. It continually shows a charge off status when it reappears. This was closed and paid off XX/XX/2017. This auto account needs to be removed from my entire credit report.
Consumer complaint received 2022-04-21
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. (TX)

Comes now consumer, Notifying CFPB, TransUnion and Credit Bureaus of continuing to furnish inaccurate, outdated and unverified negative information without verified proof ; In accordance with the Fair Credit Reporting act and Texas Bill of Rights. The List of accounts attached in notice and below has and continuously violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
TransUnion XXXX # XXXX : XXXX # XXXX, is violating my rights. ( XXXX XXXX  Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, is violating 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.

I have attempted writing Transunion and calling numerous times and did not get to speak to anyone due to long waiting times and just bad customer service this issue is not being address. Please note, credit bureau XXXX did correct their records and removed the above erroneous inaccurate information. Thank you for your attention on this matter.
Consumer complaint received 2022-04-21
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. (OH)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 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. 

XXXX  /XXXX  # XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

XX/XX/2019. Requested online personal credit reports f from TransUnion via online portal. Fee was {$29.00} for all three-TransUnion, XXXX and XXXX. Site was extremely slow to load on my computer-my bandwidth from ISP was fine ( from speed test ). The problem was with TransUnion website. I was never able access my three reports. Somehow I was also billed {$24.00} for an unknown reason as a monthly  reoccurring charge!!!!! Result was my inability to obtain my three credit reports from the TransUnion website and two charges for {$29.00} and {$24.00}. The website was so deceptive and confusing I thought it was a scam and fraud and not a legitimate business. 

Today, during business hours I called the TransUnion customer service and explained problem and asked for a refund for both charges. XXXX said yes to refund the {$24.00} and no to {$29.00} with no logical explanation and no assistance but she seemed to be excellent at intentionally confusing the issue. 

This company and their website have the actions and appearance of a company that know and intentionally use unethical tactics to sell and market their services.
Consumer complaint received 2022-04-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC. (MD)

I participated in a consumer credit transaction XX/XX/2020, with XXXX XXXX XXXX XXXX. Pursuant to 15USC 1635 ( a ), I was never told I had 3 days to rescind the agreement and didn't receive required disclosures. The dealership failed to clearly and conspicuously disclose my right to rescind. Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL CHARGES which was never disclosed to me, and they are in violation. The dealership also accepted a cash down payment of 2,000.00 dollars violating 15 U.S. Code 1605 which clearly says the finance charge does not include charges of a type payable in comparable cash transaction. The dealership is also in violation of 15 U.S Code 1692J ( Furnishing certain deceptive forms ). 

I received a phone call today from XXXX XXXX the General Manager at XXXX XXXX XXXX XXXX. He then had the Director of Finance XXXX XXXX called me who stated I needed to take this up with Exeter Finance LLC, who I never gave my information to directly. I sent Exeter Finance LLC an Affidavit and they never responded. They only sent a copy of the contract and my Affidavit back to me.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have submitted multiple disputes regarding accounts that do not belong to me and they are still reporting on my credit report. I also submitted multiple ftc reports regarding the accounts that do not belongs to me. These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2022-10-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I apply for a car loan for my vehicle and my credit. Other leaders unauthorized pull my creditors I tried to dispute this with the credit report companies, and they refuse to take it off. Please help me with this matter This is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-13
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: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 2022-04-21
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. (MA)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDEQ FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report.

Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swifly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''. I am also requesting to be mailed a new credit report to my address of record above.
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2021 I intended to make a reservation with XXXX XXXX, XXXX XXXX, NY. Unbeknownst to me the party who answered my call to the number of the Inn I found on XXXX was a third-part agent of XXXX XXXX called XXXX XXXX XXXX XXXX located in XXXX and XXXX, an apparent agent of XXXX XXXX XXXX I gave my Bank of America XXXX XXXX credit card number to " hold '' the reservation. I subsequently cancelled the reservation timely and was given a cancellation number by XXXX XXXX. XXXX XXXX never charged my card because I never registered. Then the charge for the full reserved period, {$1000.00}, appeared on my credit card statement. I challenged the charge but BOA concluded that the " merchants '' policy was to charge my card on the making of the reservation, as opposed to the usual procedure of charging the card only upon registration at the XXXX. BOA did not identify the alleged " merchant ''. I have no knowledge that BOA ever contacted XXXX XXXX, or the identity of the " merchant '' whose Policy BOA is respecting and adhering to. Under these circumstance the charge is obviously fraudulent but BOA continues to adhere to the the " merchant 's '' claim that the charge is valid.
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/2022 I paid my Sams Club XXXX XXXX balance in full. On XX/XX/2022 I received an email from Synchrony advising my payment was posted from my credit union. When I logged into my account my account said {$0.00} Balance, {$0.00} due and {$0.00} available. On Tuesday XX/XX/2022 I checked my balance and it said the same. I called Synchrony and asked about why I had {$0.00} credit available. I was advised it will be locked for 4 more days because of the amount paid toward my account. I then was transferred to a manager XXXX. He advised me I was lucky they didn't lock my card for 21 days to insure I didn't dispute the money and get it back. Why am I getting punished for paying my balance in full? I never abused my card. Always had my payments in on time. My balance got a little high due to the pandemic and I was finally able to secure a loan to pay off my debt.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I disputed XXXX XXXX  ( Account # XXXX, XXXX  ( Account # XXXX )XXXX XXXX XXXX XXXX XXXXccount # XXXX ), and XXXX XXXX  ( Account # XXXX ) in XXXX of XXXX. When I pulled my new credit report today on XX/XX/XXXX, I see that tis deleted item was now put back on my credit report. You did not notify me within 5 business days that it was put back on my credit report and because of this section 611 violation, the accounts needs to be removed. 

I would like to see a new report showing this been deleted. 

XXXX XXXX
Consumer complaint received 2022-09-28
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. (NJ)

In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. 


XXXX XXXX XXXX XX/XX/202XXXX XXXX
Consumer complaint received 2022-11-07
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)

My credit reporting companies have unlawfully removed one of my furnished revolving credit accounts or have not furnished the revolving credit account on my report more than 30 days after having confirmed receiving the account information from the creditor XXXX Account # XXXX. This account has been removed from XXXX and Transunion and XXXX have not added this revolving account to my report as required by law. They have also violated my rights by doing this under 15. U.S.C 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2017-03-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MIDCOUNTRY FINANCIAL CORP (MO)

Heights Finance put a judgement back in XX/XX/XXXX i was getting a divorce at that time and could n't pay the billing. They did n't start garnishing my wages until XX/XX/XXXX I believe they intentionally waited to garnish/contact you until the debt was almost out of statute in order to accrue as much interest as possible - I have had the same phone number for a number of years. This month in XX/XX/XXXX the garnishment was terminated because Heights Finance profit and Loss did n't give the balance to them since the garnishment. I called profit and loss several times to resolve this matter before they go and file another garnishment and I have tried contacting them several times to see what your options are here and no one will even return your call. My first call was XX/XX/XXXX XXXX spoke with XXXX and she said the manager was on vacation would be back XX/XX/XXXX. So then i called on XX/XX/XXXX and XXXX and spoke with XXXX she said the manager just came back from vacation and has n't looked at his emails or files as of yet. They would call me. then i called again on XXXX at XXXX spoke with callie again and she said the XXXX has n't reviewed my file yet. I have tried to resolve this. But nothing seems to be happening. The Loan was XXXX that was for the judgement now they are wanting XXXX. I am trying to pay this but i do not think it is fair that they just now garnished it in XX/XX/XXXX. I understand i do owe this but at the time i just became a single mother after the divorce with XXXX kids. Now i can pay this but not XXXX! thank you.
Consumer complaint received 2022-04-21
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX acct # XXXX, Child support XXXX XXXX acct # XXXX, online in sv acct # XXXX, XXXX XXXXv acct # XXXX, XXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX 60/30 day late payments 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.
Consumer complaint received 2016-06-23
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (AL)

I called Transworld Systems Inc and asked them to stop calling me at work. They asked for my phone number so they could take it off of there list. Well, they stopped calling that particular number. They must have gone on my company 's website and found other numbers and its unclear to me which numbers they are calling now. They asked to verify my employment and gave out the last XXXX digits in my social to my coworker and they told her that it was for a garnishment. It bothers me that the continue to call me at work after I told them they were putting my job in jeopardy by continuing to call. What is even more frustrating is that I have never given the student loan company my work phone number. That means this third party company researched and found my number!
Consumer complaint received 2022-04-21
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

hotel authorization for {$100.00} on XX/XX/2022 from the XXXX XXXX. I called hotel, they said for me to call the credit card company and they will credit me as they are unable to do it without a dispute. 

I called capital one and they credit me. They said they will send a letter in the mail. Later on they charged it back because of a letter I didnt sign and send back. I called them and they have the wrong email address for me so I didnt get it. They were supposed to mail it and not email it. Call got disconnected. I called back and explained everything and got disconnected again.
Consumer complaint received 2021-10-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy federal credit union is denying all of my fraud claims. I had multiple fraud transactions on my account from a person who I hired to do help in my house. I did not realize it was this person until it was too late. I have a police report, all of the claim numbers, amounts, etc. ive been battling this for 4 + months. The most recent denial was today. Ive changed all of my passwords, account numbers, downloaded security protection for my cell phone ( all suggestions from navy fed CU ) and was still denied. This is outrageous and has put me in an extreme financial bind with over $ 5k in fraud taken from me. I have a daughter and am the sole provider for her and can not wrap my head around this.
Consumer complaint received 2016-11-25
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (AZ)

In the XXXX 2016 I applied for an American Express Gold Delta Sky Miles Card. The card application offered XXXX Delta Sky Miles. 
My Application was immediately accepted. On XXXX XXXX 2016 I received an email confirming that my Application had been approved. Upon receipt of the card I began using it and satisfied the obligation to use the card to make purchase within the first couple of months. 

In the summer I checked my Delta Sky Miles account and the XXXX miles never were posted. I called American Express ( or XXXX ) and the phone call was answered my a representative who I took to be a phone operator in a foreign country. The conversation was " strange and unusual '' and I was told that I had been sent a letter saying that I was not eligible for the XXXX miles. I waited for several weeks and i never received any letter or notice that I was ineligible for the miles. I called American Express again and was connected with a coherent representative who stated in no uncertain terms that I was eligible and the prior conversation was a mistake and that I would promptly receive the XXXX miles. This individual said there had been confusion because in the past I had had a business card but that the new card was a Gold Delta SkyMiles Card and that I was indeed eligible for the XXXX miles. Best on this assurance I started using the card again and then checked my SkyMiles account. Again no miles! So I called again and was told that I was not eligible and they had no record of the call with the represenative who told me I was eligible. I objected to this position and they stated that they would open an investigation and get back to me. To date I have had no response. I have asked for an address where I could lodge a formal complaint but I get no response.