davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-31
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: GOLDMAN SACHS BANK USA (MD)

Today XX/XX/XXXX I was charged for an unauthorized amount from an apple card. I have never applied for an apple card. Right away, I created an account with XXXX the same day to start and monitor my credit because I've had problems in the past, and found an apple account was opened in XX/XX/XXXX. It was paid as agreed until XX/XX/XXXX and late charges started to occur. I have no knowledge of this account and have never had any late or negative things reporting on my credit until this incident. I have over XXXX years of paid as agreed accounts. I am filing this report/claim as identity theft to me. Somehow my information has been linked and XXXX has a report of some of my information being found in the dark web. This incident has started to negatively effect my credit and I hope this is corrected as soon as possible. XXXX and XXXX XXXX provided me the statements for this account and a bunch of charges to apple were made from XX/XX/XXXX to XX/XX/XXXX where in XX/XX/XXXX the late payments started to take effect. I don't think I would have let a an account become delinquent and my credit history should prove that. I have never applied for a apple card through XXXX XXXX. I disputed the account with XXXX and they told me to file a report with the FTC. I hope this is resolved in a timely manner.
Consumer complaint received 2022-10-01
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. (NY)

When I applied for XXXX XXXX Bank credit card I asked to receive paperless billing because I was in a process of relocating. I have not made any purchases on the card and did not expect to receive bill yet the credit card company sent paper statement in a mail to my old address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX when I specifically asked for paperless billing. When I realized the account was deliquent I asked again to change it to paperless billing and to update my mailing address to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX bank reported that I was late in XXXX  of XXXX and XXXX of XXXX. I asked them to remove it from my report and spoke to them several times and they agreed to remove it verbally. I also disputed the late payments with credit bureaus. Based on their favorable response that it will be removed I paid {$5000.00} XXXX money towards purchase of home. When I called them again they said that my request to remove the late payment was declined. They lied to me saying they will remove it and I lost {$5000.00} XXXX money because I was disqualified for a mortgage. I want them to remove the incorrect information that was late. I did not made any charges on the card and did not expect a bill. Moreover, they did not act on my request to change to paperless billing and so when I moved I did not receive the bill.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (MA)

I had 2 charge disputes in progress, 1 of which the company claims is/was a reversed charge when it wasnt. Also, I had dozens of fraudulent charges on my account that were declined by the company, but they refused to do anything about it for me other than change the card number.

With the above information said and done, the company had put a freeze on my account AFTER I had made a payment equaling XXXX of the balance last XXXX, the XXXX. I wasnt aware of it until several of the monthly recurring charges/payments I had designated to the card were all declined. I immediately contacted the company, but it took at least 3,4 hours to reach a real person. I explained the situation to them and the supervisor, but they REFUSED to lift said freeze despite the situation of my monthly recurring payments, as well as being a XXXX person on fixed income. I closed the account, I was that disgusted with them.
Consumer complaint received 2022-01-31
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2016-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been attempting to repair my credit for 2.5 years now, I am not joking. I am only going to present XXXX issue at a time. I can not ever get answers to my questions, from anyone, not the creditors, credit reporting agencies, hired " credit repair '' This attachment is an example of the outrageous inconstancies, and what appears to be random, and arbitrary application. This is XXXX alert from over XXXX similar I have received from " MYFICO '' monthly, ( XXXX of many monthly subscriptions I pay for ) PLEASE HELP! Where do I even begin to deal, fight this? I am under time constraint, I will lose my house & future if I do n't resolve my credit issues! I need to get a HELOC & CAN NOT WITH MY SCORE & REPORTS. 
Thanks XXXX
Consumer complaint received 2018-10-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (GA)

XX/XX/2018 XXXX XXXX XXXX was listed as a collection on my credit report for the amount of {$5500.00}. I did not receive any notification of this debt before posted to my credit. I disputed this debt with all 3 credit bureaus and was notified that the debt was verified. In XXXX I recieved a bill from XXXX XXXX XXXX for this same debt. Tried to speak with XXXX XXXX XXXX about the debt and was notified that they no longer have this debt. So I asked for validation of this debt from the credit bureaus and recieved a reaponse from XXXX XXXX XXXX. I contacted them once again and they told me again that they no longer have this account and that I would need to contact XXXX XXXX XXXX  which is who is listed on my credit reports. XXXX XXXX XXXX does not have a working number. The address is not valid. I researched the company and found no way of contacting them. Asked XXXX XXXX XXXX for a working number or address for the company and they do not have either. This debt is on my credit and I have no way of resolving it or removing it. The credit bureaus are not doing there job as far as the verification process and validation of this debt.
Consumer complaint received 2016-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Credit Reporting Agency fails to removed inaccurate account from my credit report. 

There is an account with XXXX XXXX XXXX which began reporting on XXXX 2015, and have been reporting ever since to day. The problem is I was in a no assest based Chapter XXXX bankruptcy that was discharged on XXXX. This debt is from XXXX, and the Credit Reporting agency refuses to delete. 

This debt ca n't be assigned to XXXX XXXX system on XXXX if all debts were discharged on XXXX. Thus XXXX XXXX XXXX has no collection authority on a discharged debt nor can they be assigned an already discharged debt. 

I have disputed with both the credit reporting agency, and enterprise recovery system and they are refusing to delete.
Consumer complaint received 2022-10-01
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. (NY)

I contacted all three Credit bureaus to report inaccurate information on my credit report - I have submitted a dispute on these inaccuracies multiple times and their investigation isn't valid. Every time the account comes back verified - I sent them the results from my previous complaint on file with CFPB -with regional acceptance -complaint # XXXX. In that complaint XXXX XXXX states : " XXXX neglected, however, to mail the deficiency letter until XX/XX/2022. Throughout this entire process, XXXX attempted to collect the deficiency balance. Then, on XX/XX/2022, XXXX charged off the balance to a third party collection agency which prompted your inquiry. XXXX regrets your recent calls were unsuccessful in providing the necessary research. '' I sent a copy of the results to all credit bureaus but they are refusing to delete the status as in repossession or paid repossession - the vehicle was totaled- paid by gap and car insurance and then XXXX XXXX failed to bill me for the balance for an entire year - added the car as a repossession and charge off on my credit report. The Charge off has been deleted but it still states repossession / delinquent - this is inaccurate and now stopping me from purchasing a home and a new vehicle for my family.
Consumer complaint received 2023-03-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I attached when the loan was at current this has been such a struggle. I have reached out to Credit Acceptance multiple times once because I had an XXXX XXXX XXXX XXXX XXXX. Then we received custody of our XXXX grandchildren unexpectedly and Covid blah blah blah. They basically gave me no choice regarding payments that I did admittedly miss a few and have been charging 22.9 % interest rate The entire time. In my opinion, this is astronomical they have not been willing to help instead, tell me that theyre going to repossess my vehicle.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXXXX/XX/XXXX 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 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2022-10-01
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. (PA)

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2022-09-02
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: LEXISNEXIS (IL)

I contacted Lexis Nexis to let them know that I did not give them permission to share any information. I filed an initial complaint about them sharing information without permission. They claimed they could not verify my identity however they sent me a letter acknowledging they know who I am along with a PIN number and case number ( XXXX ) in case I would like to share my information in the future. This company is being deceptive in saying they can't verify who I am but continuing to share information and so called " verifying '' information for other companies. I have attached the letter they sent me because they continue to use my identity without permission. I'm sure they are aware of the damage they do to a persons reputation with their continued deceptive practice.

According to : 15 U.S.C 1681 A. States I have the right to privacy.

According to : 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 According to : 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 2019-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Revenue Recovery, LLC (CA)

This debt is not valid due to the fact I had full coverage insurance ( XXXX ) at the time of service. The hospital did not bill my insurance correctly therefore, did not get paid. I am not responsible for this debt and the providers lack of due diligence and would like this to be removed from my credit file immediately, as it violates the fair reporting laws.
Consumer complaint received 2022-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

Hello, I called a number I thought was related to my Great Lakes XXXX XXXX but it was actually a scammer. Their number is XXXX. They got my social security number and were able to change my password on studentaid.gov.
Consumer complaint received 2016-03-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I applied for a job, interviewed, and days later, received a letter in the mail about that potential employer receiving information listed in my credit report without my consent or permission. When I reached out to the individual that interviewed me, I received no response so I presume I did not get the job based on the information contained in my report.
Consumer complaint received 2022-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I have made late payments before with the following companies below : - XXXX  XXXX ( Vehicle Loan ) - XXXX XXXX XXXX ( Personal Credit ) - XXXX XXXX ( Personal Credit ) - XXXX ( Personal Credit ) - XXXX ( Personal Credit ) I admit that I have missed and late payments with them before, but I already paid them all off. To this day, even when Im doing better with my credit cards, old information from them still hurts my credit score. 

With XXXX XXXX, the full Vehicle Loan was to be paid within 6 years. I have paid it full, 2-3 years early ( XX/XX/2022 ). 

With XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, and XXXX, I have paid them all off, before closing them. 

I couldnt find nor provide my Statement Accounts information from them, because as I said, all my accounts with them were already closed. 

Please do help me resolve this problem. 

Thank you.
Consumer complaint received 2018-11-03
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. (MS)

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Transunion but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-01
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: Experian Information Solutions Inc. (CA)

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 : 1.Verify this invalidated account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report 2.Verify this invalidated account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report 3.Verify this invalidated account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report
Consumer complaint received 2022-01-03
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: AMERICAN EXPRESS COMPANY (NV)

Account Name : XXXX XXXX XXXX Amex a/c # XXXX, don't have the full numbers coz I did not received the card. Present address : XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX XXXX XXXX & XX/XX/XXXX : I rec 'd a letter of confirmation for request, which I did NOT, to update my address on my Amex acct # XXXX, but still gave my present address. 

XXXX XXXX, XXXX : They informed that I have an Account Balance of {>= $1,000,000}, which I readily disputed on my response on XX/XX/XXXX. I requested copies of all the charges made be sent to me for verification, in order to help both of us ( AMEX ). 

XX/XX/XXXX : infroming us USPS can't deliver to said address. The city is wrong, XXXX insread of XXXX XXXX. Inefficient staff they assumed same city ( XXXX ) on different state. 

XXXX XXXX : Rec't Statements for XXXX, XXXX & XXXX XXXX, XXXX {$18000.00}. 2nd Req. 
for detailed charges made. 

XXXX XXXX : Advised that they recived my inquiries. 

XX/XX/XXXX : Advised that the requested statements can NOT be provided due to inactivity and fall outside the retention period. 

XXXX XXXX : Furnished Statement ( s ) copies beriod beg XXXX XXXX XXXX XXXX still don't have the detailed Charges. 

XX/XX/XXXX : Advised that they are working on it ...... AGAIN ... .STILL. 

XX/XX/XXXX : Informing me that my Application for a card is denied. I disputed their decision since they did Not investigate my concerns. Inefficient, all they have to do is check whether there is activity in any of the credit reporting companies to check if I am telling the truth. 

XXXX XXXX : Same as XXXX XXXX XXXX : Again, start of investigation. 

XX/XX/XXXX : Again, they will be investigating, back to ground " 0 ''. 

XXXX XXXX : Denied! Replied XXXX, I insisted that they correct their records and the Credit Bureaus and sent me the corrected report. 

XX/XX/XXXX : Sent me same sets of Statements, what a waste of their time and mine.
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX/XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 )  bureaus to remove this however, I have not been successful.