davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-15
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. (WI)

I contact the credit bureau to have them remove these inquiries off my credit report and I got a response back stated these items are not removed and I'm request this again to have it removed immediately! None of these inquires are mines. I have not never contact these companies nor gave these companies my information to have them check my credit profile. 

Please have these remove immediately 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, I'm XXXX XXXX have this remove or Ill have to procced with legal actions.
Consumer complaint received 2022-02-28
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. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX 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.
Consumer complaint received 2022-02-28
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX  XXXX XXXX XXXX XXXX Account 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.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-01-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: STATE EMPLOYEES CREDIT UNION (NC)

State employees credit union gave me XXXX to buy a car the car have engineers on the same day I bought the car and I asked the bank to cancel help me was not been done and in couple months the engine broke done. 
State employees bought me other {$13000.00} to buy other car i couldnt keep pay for the car the motor got bad. Im still making a payment for the XXXX and my credit card. 
The XXXX is though by accident the insurance pay off my bank. 
Im making my payments on my credit card and my car on time. 
The first car was charged off The second car will be paid full but I cant buy other car was denied by credit union My credit is freezing still I tried to remove negative things from my credit report Ex : I had 3 social security on my credit report Different names also. I need a help please
Consumer complaint received 2020-10-06
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. (FL)

I began reporting discrepancies and disputing incorrect items on my Credit Report ( s ) to EACH of the three ( 3 ) Agencies ( XXXX, XXXX  & TransUnion ) in XX/XX/XXXX. 
To date, XX/XX/XXXX, NO RESOLUTION has been achieved from any

of these three ( 3 ) Agencies. I have sent as Many AS Many as thirty-five to some. I now believe I am the VICTIM of " AGE DISCRIMINATI
ON ''
Consumer complaint received 2022-10-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (MO)

I requested a transfer of an IRA CD prior to US Bank charging a maintenance fee. They failed to transfer the CD and charged a fee. After discovering the problem, they have finally transferred the IRA but still charged the fee and have not reimbursed me for it. In fact, the branch manager said they did not reimburse maintenance fees. I believe they owe me for the {$30.00} fee, since the request was made before the assessment and any error is theirs. The XXXX XXXX the account was transferred to had to contact the XXXX XXXX  in order to get them to transfer the funds.
Consumer complaint received 2024-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (IL)

FIRSTPOINT COLL RESO has been sending me collection notices in the about of {$480.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2023-03-07
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. (TX)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
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'm feeling XXXX, XXXX, and XXXX  regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.
Consumer complaint received 2023-03-07
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. (MI)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX MI XXXX XXXX XXXX Balance : {$6500.00} MI XXXX XXXX XXXX Balance : {$0.00} MI XXXX XXXX XXXX Balance : {$730.00} MI XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WESBANCO BANK, INC. (KY)

On XX/XX/2023 Preauthorized ACH Debit - {$100.00} charged by XXXX XXXX XXXX ( XXXX XXXX Reference Number 15 ; On XX/XX/2023 Preauthorized ACH Debit - {$120.00} charged by XXXX XXXXXXXX XXXX  XXXX XXXX Reference number 16 ; On XX/XX/2023 Preauthorized ACH Debit - {$0.00} charged by XXXX XXXX XXXX Reference Number 21 ; On XX/XX/2023 Preauthorized ACH Debit - {$190.00} charged by XXXX XXXX XXXX XXXX XXXX Reference number 43 ; On XX/XX/2023 Preauthorized ACH Debit - {$130.00} charged by XXXX XXXX XXXX  XXXX XXXX Reference number 1 These fees have been charged on XXXX business account and we made phone calls to our XXXX to confirm that no one else should charge us from our account. We report to our Wesbanco Bank to dispute these charging but they said that no mistakes found and until now no responses from them though I made a phone call to appeal our request on these fees. Also we found a scam check to be checked out from our account with the scammed signatures of us. We asked our bank to supervise this account for almost two months and just allow the funds into our account and no checks payments allowed until these checks will be confirmed from us.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-02-15
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (IN)

On XX/XX/2022 I spoke with a rep from collection agency informing them of debt not being owed. I also had XXXX on the other line which said the account was never sent to an agency as it was paid in full at the time of disconnection.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL ()

I realized in XXXX that my promotional interest rate on the above account expired in XXXX and I was charged {$1000.00} interest ( 30 % rate back to the initial charge ), XXXX finance charges of {$53.00} and {$53.00} plus a late fee of {$30.00} since the minimum balance was underpaid by {$1.00}. the original charge was {$3000.00} ish. This was an unfortunate mistake since we were on a paperless account and I never received emailed statements, we were set up on autopay and have paid {$75.00} on time every month since XXXX. This really stings because we had such a horrible experience with the door that was charged on this credit card. We went through Lowes because of all of the shady contractors out there. Unfortunately, the Lowes subcontractor was unresponsive and the door took 7 months to get installed, failed the original inspectionion, I have pictures and a timeline detail if needed. In reality, the final inspection for the door was XXXX, XXXX so our promo rate should have started then. I immediately scheduled a bank payment of {$1100.00} which paid the original balance, in full, minus the interest charges and faxed a letter to dispute the charges. They took 15 days, denied my request to adjust the fees AND charges me another $ XXXX dollars in interest!
Consumer complaint received 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Yes all three credit reporting companies have a low low credit score for me... the problem is I have alot of paid off debt with little to no missed payments ... I recently applied for credit with a company and they responded to me with a question asking me why my credit scores are so low that I have a lot of paid off debt and that he has never seen someone with the amount of paid off debt have such a low score ... I was told that I should seek assistance with the problem because it's causing me a lot of damages
Consumer complaint received 2021-01-07
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. (TX)

I received the following from the Credit Reporting Agency -- -- - According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. I have complained many times against XXXX XXXX XXXX XXXX. They are included in this complaint but will undoubtedly and continually list this complaint as duplicate. They have yet to comply with requests for information or answer even one of the 75 complaints. This complaint is regarding two cars FRAUDULENTLY financed in my name, same dealership, same day. One car was financed with XXXX  XXXX XXXX  XXXX and the other with XXXX XXXX XXXX / XXXX XXXX. My credit was pulled on XX/XX/XXXX without Permissible Permission to check me out which then led to the two forged applications and contracts dated XX/XX/XXXX. One of the CRAs stated that lack of permissible permission is ok when credit was extended. CREDIT WAS EXTENDED TO THIEVES AND FORGERS NOT ME! I never had possession, use, or benefits. I have attached the XXXX  XXXX XXXX Docs that reflect application, credit report, and contract. I have attached the application and contract that I received from XXXX XXXX XXXX XXXX. XXXX XXXX refuses to send the credit report. Notice the application was incomplete and wasnt even to be processed! See all the differences between the two applications ; different salary and incomplete that should have never been processed. XXXX  XXXX XXXX realized the fraud, lack of Permissible Permission, and dropped the claim and removed the negative line from my credit report. Attached is letter from XXXX XXXX XXXX removing claim. However, XXXX XXXX XXXX XXXX refuses to answer any requests, complaints, nor send a copy of the credit report pulled on XX/XX/XXXX. The THEFT STARTED when XXXX XXXX XXXX XXXX did not have permissible permission to access my credit report. This is easy! and obvious and at a minimum lack of permissible permission. XXXX  XXXX XXXX XXXX will list this complaint as duplicate and ignore. I am requesting Transunion and XXXX  to live up to the FCRA, review the attached evidence, and remove XXXX  XXXX XXXX XXXX from my report IMMEDIATELY! This has been going on for almost 4 years. I have sent the attached documents over and over. So wanting another 30 days to investigate / review is ridiculous. I am XXXX, survived XXXX at XXXX  XXXX, was in the XXXX Tax Day Flood with 8, then all the theft, and then was in Hurricane Harvey Flood with 32, and this needs to end NOW!
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I mailed in a bankruptcy dispute letter on XX/XX/year> in which the delivery was confirmed. this account is in violation of 15 usc 1681b it is being reported without permissible purpose my information was obtained under false pretenses which is a violation of 15 usc 1681q You possess my information without permission to use it which is a violation of 15 usc 1028a aggrevated identity theft i also have a court letter and a pacer letter that confirms they did not verify this information with any consumers and all information must be verified and confirmed
Consumer complaint received 2021-01-07
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: BARCLAYS BANK DELAWARE (NY)

On my credit reports there is a closed account with huge amount of missed payments. BARCLAYS BANK DELAWA Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BARCLAYS BANK DELAWA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against [ name of credit reporting agency ] for violations of the Fair Credit Reporting Act ( FCRA ), which is codified at 15 USC 1681 et seq. Specifically, I believe that the credit reporting agency has engaged in actions that are in violation of sections of the FCRA, including but not limited to : Section 604, which outlines the permissible purposes for which a credit report may be obtained. 
Section 611, which requires credit reporting agencies to provide consumers with a free copy of their credit report once every 12 months upon request.

Section 611 ( a ) ( 1 ) ( B ), which requires credit reporting agencies to promptly correct or delete inaccurate or incomplete information in a consumer 's credit report.

Section 623 ( a ) ( 2 ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information in a consumer 's credit report. 
Additionally, I want to bring to your attention that the following addresses are non-mailable addresses and should be removed from my credit report immediately : XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX I have not authorized any person or entity to request or obtain a credit report for these addresses. Therefore, any information related to these addresses is a violation of the FCRA. 

As a result of these violations, I have suffered damages, which may include but are not limited to : [ describe the specific harm you have suffered, such as lost job opportunities, denial of credit, etc. ]. I am therefore seeking monetary relief for each violation of the FCRA, including actual damages, statutory damages, and, if applicable, punitive damages.

I have attempted to resolve this matter directly with the credit reporting agency, but have been unable to do so. I am therefore requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the credit reporting agency complies with the FCRA, removes the non-mailable addresses from my credit report, and obtains written consent from me before releasing any credit report information for any future addresses.

I have attached documentation supporting my complaint, including copies of my credit reports and any other relevant correspondence with the credit reporting agency. 

Thank you for your attention to this matter.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (IL)

Discover card continues to report my credit card balance on days that are not within the terms and conditions they have informed me of. They are purposely reporting my credit card with higher balances and on days that they lied about when the card balance would be reported therefore not allowing me the fair credit option of paying the balance down before it is reported to the credit bureau at this point I will be looking into rights as to filing a formal lawsuit against discover card.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

I requested a copy of my credit report and noticed a public record was on my file. On XX/XX/XXXX, I sent in a certified letter tracking # XXXX to XXXX asking for a proof of the record. XXXX failed to send requested proof of documents. I also asked them to re-investigate and delete or correct the disputed information. On XX/XX/XXXX receive a notification online from XXXX stating that it remains and was certified and accurate. On XXXX I sent a certified letter to The Bankruptcy Court asking do the report to credit reporting agencies and LexisNexis. They responded by saying they can not communicate credit reporting agencies. On XXXX I was told that the data furnisher reporting this public XXXX was LexisNexis. 
I am working with a lawyer to help with further legal action.