davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-04-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION (FL)

My Bank, Navy FCU sent me a very misleading email offering auto loan refinancing for rates as low as 1.79 %. When I clicked, learn more the page directed me to sign in and apply. 

The approval interest rate came back for 3.89 % which is the same rate I currently have with another bank. I called and found that the 1.79 % only applies to New cars being refinanced. 

I feel that this advertisement is very misleading. This caused me to have a hard pull on my credit report for no reason or benefit to me. If the initial email would have differentiate between new and used rates starting point, I would clearly have identified that the used car interest rate was the same as the one I had currently and never would have applied. 

Now, I am affected by a hard pull to my credit report that will not fall off for 2 additional yrs. this is misleading and unfair to consumers. Particularly, how calculating the email and site directed to was set up. I feel totally bamboozled.
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau XXXX CFPB XXXX portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XX/XX/2020 I asked the court if they provide bankruptcy information to the credit bureau 's. 
XX/XX/2020 I got a letter from the bankruptcy court acknowledging they do not. 
XX/XX/2020 I requested a security freeze on my XXXX XXXX Credit Report XX/XX/2020 I sent dispute letters to ALL three credit bureaus including the letter from the court saying they do not report to the credit bureaus. 
XX/XX/2020 XXXX  removed the bankruptcy ( which by the way was actual identity theft and was reported as such ). 
XX/XX/2020 received a confirmation from XXXX XXXX that the bankruptcy was removed from my report XX/XX/2020 I disputed the bankruptcy again with XXXX  XX/XX/2020 received a notice from EXPERIAN saying my bankruptcy was verified XX/XX/2020 sent another dispute to Experian disputing my bankruptcy and I have not heard one work and it has not been removed from my account. 
XX/XX/2020 I received a letter from XXXX  saying the bankruptcy was verified with XXXX  XXXX which is not true. 

Both Experian and XXXX  are reporting information they did not verify. XXXX  did try to verify and sent a letter that they were unable to verify with XXXX XXXX and they did the right thing and removed this account. 

Please help me get this resolved with both XXXX  and Experian. I can send in all letter and proof from the courts and XXXX XXXX.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IA)

I had identified theft in XXXX, in XXXX I noticed Equifax had changed my DOB to the fraudulent one XX/XX/XXXX. Only Equifax has not corrected this after the identity theft. My DOB is correct with XXXX   and XXXX. Equifax informed me that one of my creditors is reporting my DOB wrong. I have called all of them on my report and none of them have that as my DOB. I filed a complaint with Equifax and certify mailed them my SS, birth certificate and driver license. They have still yet to correct! 
XX/XX/XXXX Received letter from Equifax that they corrected my DOB. 
Noticed in XX/XX/XXXX that Equifax had changed my DOB back to the fraudulent one. 
Filed another claim with Equifax and received confirmation again on XX/XX/XXXX that they corrected the error again, receiving Confirmation # XXXX. As of today, my DOB is still incorrect causing me unable to obtain credit due to the fact they can not verify my identity.
Consumer complaint received 2020-04-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Gatestone & Co. International Inc. (NY)

Gatestone has been collecting on an XXXX XXXX account. Earliest record I have from them is dated XX/XX/XXXX with an account balance of XXXX. Over the past 3.5 year i have been paying them a scheduled XXXX/month. I recently changed payment amounts to XXXX $ /month. I have always been in contact with them. I have requested multiple times over the 3.5 years that they call no other numbers besides my cell as the others associated with my account, that they read back to me, were family, friends, or previous employers. I answered a phone call on my cell phone XXXX from Gatestone XXXX at XXXX on XX/XX/XXXX for a duration of 9 minutes. On XX/XX/XXXX at XXXX XXXX  I received a call from Gatestone XXXX that I answered on a 'virtual ' telephone number XXXX issued by XXXX for XXXX XXXX and tied to an email account ; I just happened to be in that account when it 'rang '. I asked Gatestone rep. XXXX XXXX ( phone call recorded ) why he was calling that specific number and what other numbers was he calling. He then informs me that he has left messages on other voicemails stating that it's 'Gatestone ' before I spoke with a Rep on XX/XX/XXXX. Gatestone was calling these numbers from XX/XX/XXXX through today. XXXX confirmed and read the telephone log. My XX/XX/XXXX payment was received sent XX/XX/XXXX. My next payment of a min of XXXX $ is due XX/XX/XXXX. Why is Gatestone calling around, leaving voicemails, when my next payment isnt due until XX/XX/XXXX. How is it legal? Did Gatestone or its Parent companies take any money from the CARES Act. This account is still held by XXXX XXXX as I still get billing statements from them. XXXX told me ( recorded ) he was calling from Canada and but Gatestone was Founded in XXXX and is headquartered at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ. Current Balance on account as of XX/XX/XXXX less than XXXX $ from XXXX Phone call recording from XX/XX/XXXX at XXXX with XXXX was XXXX but XXXX and I was unable to upload, I will try and Compress
Consumer complaint received 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to request the immediate removal and deletion of the following accounts and associated information from my consumer report. It has come to my attention that these accounts and information should not be reported on my consumer report, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I urge you to take immediate action to remove and delete these accounts and information as they are in direct violation of several laws. I expect these accounts and information to be removed without delay.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc. (GA)

I established individual CashApp Account XXXX associated with XXXX XXXX Account XXXX in XXXX of XXXX as the sole account owner and authorized user. The preceding was undertaken by me personally in my name and with my Social Security Number of XXXX, address indicated at the top of this letter, phone number of ( XXXX ) XXXX and email of XXXX. I never modified the account in any way after inception nor added anyone else for account ownership or even access. 
After disputing three XX/XX/XXXX transactions where both my CashApp balance and connected XXXX XXXX checking account XXXX were debited for the same transaction, which had me paying twice ( XXXX XXXX XXXX XXXX Card Payment of {$7.00} on XX/XX/XXXX ) and thus being due a refund for the duplicate debits. When I requested a refund, instead of issuing credit and fixing the software glitch of a missing reset command, you forcibly closed my account, kept the duplicate debit money and then allowed unauthorized access to my account for over a year. 
Why would CashApp allow an unrelated party to take over or basically highjack the account of another customer, and how is this even possible? Did CashApp just oblige a call in request. The only conceivable reason for someone accessing the account of someone else is to accommodate illegal credit transactions, the deposit of stolen checks or accessing payments intended for another party, and subsequently affect unauthorized debit transactions, most likely offsetting back-to-back debit transactions to another account to conceal the theft but possibly even debits similar to those made by the legitimate account owner. The hijackers or those responsible for the theft are identifiable as the same as the beneficiaries of the debit transactions of the account.
Consumer complaint received 2023-01-06
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. (AR)

In accordance with the Fair Credit Reporting act 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 2020-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

I have been trying to set up my automatic monthly payment from my checking account to pay more than the minimum payment due with my Discover card. 
I have been trying on their website, and by telephone. It will only pay the minimum. If I try to modify the payment amount I get a " this page is unavailable '' webpage. I have not tried paying by mail yet. My most recent attempts by phone and on the website were on XX/XX/2020. The lady at the website could not alter the payment amount either. I will file this complaint, and perhaps also try a different web browser. I usually only use XXXX.
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I HAVE CALLED TRANSUNION JUST ABOUT EVERY MONTH FOR TWO YEARS, AN ACCOUNT FROM XXXX XXXX IN WHICH I AM THE AUTHORIZED USER HAS BEEN DELETED/BLOCKED OFF OF MY CREDIT REPORT FRAUDULENTLY, TRANSUNION STATES A DISPUTE I MADE TO UPDATE ONLY INFORMATION SUCH AS NEW CREDIT LIMIT AND ALL PAYMENT HISTORY PERMITTED REMOVAL OF THIS ACCOUNT. TRANSUNION WAS REPORTING OUT OF DATE INFORMATION WHICH MADE IT DIFFICULT TO OBTAIN CREDIT. TRANSUNION STATED THE ONLY WAY THAT THIS ACCOUNT CAN BE RE-ADDED TO REPORT IS IF CREDITOR BEING XXXX XXXX CALLS A MARKETING NUMBER ALLEDGEDLY XXXX XXXX IS SUPPOSED TO KNOW AND HAVE. TRANSUNION WILL NOT PROVIDE ME WITH THIS NUMBER TO GIVE TO XXXX XXXX, ALL OF XXXX FEDERAL CORPORATE REPRESENTATIVES HAVE STATED THAT THERE IS NO SUCH NUMBER THAT THEY EVER CALL. IT IS APPARENT TRANSUNION HAS BEEN PROVIDING ME WITH FALSE AND MISLEADING INFORMATION FOR OVER TWO YEARS. THIS HIS HINDERED MY ABILITY TO FAIRLY OBTAIN CREDIT FOR WELL OVER TWO YEARS BY NOT REPORTING THIS POSITIVE ACCOUNT. TRANSUNION HAS ALSO STATED THAT THIS ACCOUNT IS BLOCKED, MEANING THEY CAN SEE XXXX XXXX 'S MONTHLY UPDATES, BUT CAN NOT AND REFUSES TO INSERT THE ACCOUNT BACK ON REPORT. IT IS A FACT THAT IF THIS ACCOUNT SLIPPED INTO A NEGATIVE STANDING NEGATIVELY AFFECTING MY SCORE THE ACCOUNT WOULD BE RE-ADDED BACK TO MY REPORT WITHOUT ANY QUESTION WHICH IS AN UNFAIR PRACTICE AND BIASED. XXXX XXXX HAS PROVIDED AMPLE CONFIRMATION TO HAVE THIS ACCOUNT RE-ADDED TO MY REPORT WITHIN THEIR POWER ALSO BY CONDUCTING THEIR REQUIRED DISPUTES TO HAVE IT PLACED BACK ONTO CREDIT FILE, TRANSUNION HAS NOT BEEN TRUTHFUL WITH THE MEANS OF PROCESSING. IT IS MY UNDERSTANDING TRANSUNION IS COMPENSATED FOR REPORTING NEGATIVE INFORMATION AND WOULD BE TO THEIR ADVANTAGE TO DO SO. THE ACCOUNT IN QUESTION ENDS IS PARTIALLY XXXX. IT MAKES NO SENSE FOR TRANSUNION TO REMOVE AND BLOCK WHEN A CONSUMER REQUEST A CREDIT BUREAU TO DO WHAT THEY ARE SUPPOSE TO DO, PROVIDE ACCURATE INFORMATION. TRANSUNION APPEARS TO BE PRACTICING ILLEGAL METHODS. I CAN OBTAIN CONFIRMATION ON THE PART OF XXXX XXXX PLEASE ADVISE. IT SHOULD BE NOTED THAT THIS ACCOUNT IS REPORTED ACCURATELY TO THE OTHER XXXX MAJOR BUREAUS. THE ACCOUNT IN QUESTION HAS A HIGH AVAILABLE CREDIT RATIO WHICH GREATLY IMPROVES MY PERSONAL CREDIT. OTHER CREDIT BUREAUS REPORT THIS ACCOUNT, THEREFORE TRANSUNION HAS NOT BEEN HONEST IN THIS MATTER. THE DISPUTE CLEARLY STATED BY CONSUMER THAT I WANTED TRANSUNION TO UPDATE MY CREDIT LIMIT AND LAST PAYMENT ONLY.
Consumer complaint received 2016-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The problem I am having is that I have XXXX Georgia Department of Revenue state liens on my credit report with XXXX and the liens are not correct. The reference numbers for the liens are : XXXX and XXXX. Attached you will find a screenshot from the Department of Revenue Delinquent Taxpayer List and as you can see, I 'm not on it. You can see for yourself at the website by typing in my name : XXXX Thank you in advance for helping me get these removed from my credit report.
Consumer complaint received 2023-01-06
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. (AR)

In accordance with the Fair Credit Reporting act 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 2023-07-13
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. (NY)

In accordance With The Fair Credit Reporting act. The list of account below violated my federally consumer right to privacy and confidentiality under 15 USC1681. XXXX XXXX  acc # XXXX, XXXXXXXX XXXX XXXX acc # XXXX, XXXX XXXX acc # XXXX, XXXX XXXX acc # XXXX, has violated my right. 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 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc (NJ)

In XXXX  I had XXXX fender bender. XXXX of these accidents were hit and run, the other another person fan into the left rear of my vehicle. As stated in my police reports I was never at fault for any of these accidents. Ive done XXXX for over three years and all these accidents occur during that time. However I loss my XXXX and XXXX account base on the report of these accidents by Checkr and in the pass XXXX  months I have been denied several delivery jobs by XXXX and others because of the inaccuracies of this report by Checkr. Ive reached out to them over and over again, trying to submit documents backing my claims and I have been unsuccessful so far.
Consumer complaint received 2020-04-13
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: EQUIFAX, INC. (CO)

There is still a XXXX XXXX XXXX card on my report. I repeatedly told XXXX that fraudulent information was on my report. XXXX did nothing to help. I will never do business with XXXX again. THIS DEBT IS OLDER THAN SEVEN YEARS AND IT MUST BY LAW BE REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NH)

I have XXXX retail cards through Comenity bank, XXXX for XXXX and XXXX for XXXX XXXX XXXX. 

I normally pay the balance of these cards in full monthly when I receive a statement or notice payment is due. On both of these accounts, I had not received a statement or notification of payment due or even payment is late notice in over 4 months. I am enrolled in paperless statement so I should have received it via XXXX mail. 
XXXX weeks ago, I finally got a message saying 'we need to talk '' and when I called, I was told my accounts were both past due and excessive late fees had accrued, both commenity pay, now it is on my credit report, I have excellent credit and now these XXXX cards have damaged me. I paid both off because I got nowhere with customer service, especially the XXXX 's secret.card. I would like the late fees on XXXX XXXX XXXX XXXX account refunded to me and I want both XXXX pay derogatory reporting removed from my credit. I have worked too hard to keep my credit strong and this is unacceptable.
Consumer complaint received 2020-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX XXXX is trying to collect a debt for Bank of America. I do not feel I owe this money. I was in XXXX  and long-term XXXX  during the time these fees were incurred. I gave my mother Power of Attorney to officially to handle my business affairs. She repeatedly tried to close my account at the bank in order to prevent fees from being assessed, but even with the Power of Attorney official paperwork they would no allow her to do so and said it was Bank policy that the owner of the account be present to close the account. This was, however, impossible. They would not even allow me to be on the phone, it had to be in person. I do not feel I should owe monies incurred from fees during this time due to their inability to properly handle the situation. 

I'm asking for intervention to have this debt erased. 

Thank you in advance for your help as we have not found remedy with Bank of America. 

Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2020-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a request asking the three credit reporting agencies to block these accounts that are a result of Identity Theft within the 4 days timeframe and they were not deleted. 

Account # XXXX -- XXXX XXXX Account # XXXX XXXX XXXX XXXX