davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
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. (IL)

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. 

I told Transunion, and XXXX to reinvestigate & remove these accounts : Transunion Collections : XXXX XXXX XXXX XXXX : The Open Date : XXXX XXXX, XXXX, no account # provided Transunion Hard Inquiries : XXXX XXXX XXXX  : The Inquiry Date : XXXX XXXX, XXXX, no account # provided XXXX XXXX : The Inquiry Date : XXXX XXXX, XXXX, no account # provided XXXX XXXX : The Inquiry Date : XXXX XXXX, XXXX, no account # provided XXXX  XXXX XXXX XXXX : The Inquiry Date : XXXX XXXX, XXXX, no account # provided XXXX XXXX : The Inquiry Date : XXXX XXXX, XXXX, no account # provided XXXX XXXX : The Inquiry Date : XX/XX/XXXX, no account # provided XXXX XXXX XXXX : The Inquiry Date : XX/XX/XXXX, no account # provided XXXX : The Inquiry Date : XX/XX/XXXX, no account # provided XXXX Hard Inquiries : XXXX : The Inquiry Date : XXXX XXXX, XXXX, no account # provided Secondly, they stated everything will be removed in 4-5 business days and the fraudulent items are still on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

In addition to, I would like to apply the FCRA Consumer Laws : 605B 15 U.S.C 1681 1c-2, 15 U.S.C 1602p, 15 U.S.C 1692c, 15 U.S.C 1681s-2, 15 U.S.C 1681i ( 5 ), 15 U.S.C 1681s-2 ( A ) ,15 U.S.C 1681.

In Conclusion, I would like to apply FCRA Consumer Law15 U.S.C 1681n ; IF applicable to my current situation because it has been longer than 30 days that they advised me on.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had a checking account at Bank Of America.I I had a friend who was in XXXX working on oil well who requested help getting medication.and supplies via bitcoin. The funds were sent to the finance dept at the oil company. The bank raised a red flag and it was investigated. There was absolutely no fraud I was assisting an ill man get desperately needed medication from an illness of inhaling dust fumes over long period of time from his work.Bank Of America closed my account on XX/XX/2021. 
There is report of suspicion of fraud on my credit report. I am not able to open a new bank account at any other bank now. The manager at XXXX XXXX XXXX told me to get a letter from bank of america stating there was no fraud but they refused. 
I want to open a business and can not begin to achieve this unless this negative report is removed quickly
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2022 I applied for a CareCredit card through Sychrony Bank. I received one. In early XXXX I started looking into what it would take to get a mortgage and found out that Synchrony Bank ran 3 hard credit inquiries on XX/XX/2022. This was noticed after a XXXX XXXX ran my creidt. 

I have asked Sychrony Bank to correct this but keep getting letters stating that I applied for the card and that's why it was pulled. This is true it should have one ( 1 ) hard inquiry from them, not 3. I have had them admit on the phone that it was done in " error '' but nothing is being done and they have again sent me a request asking for a copy of the credit report that shows the error ( when they have already seen it and admitted it ). 

I sent them a copy of a portion of my XXXX report which shows the 3 hard inquiries from Synchrony Bank on XX/XX/XXXX and then the XXXX XXXX hard inquiry which was negatively affected by the 2 additonal hard inquiries that were done b

y Sychrony Bank. I again received another piece of correspondance asking for more inform
ation but I sent them all of the information via certified mail which I have confirmation of their receipt.

This has cost me literal hours on the phone with them ( I have proof of this ) and potentially mortage rate issues.

I never consented for my credit report to be pulled 3 times, I consented to one time and they have given me different stories as to why this was done and what they intend to do about it.

I would like to file a complaint and pursue penaly damages.

Thank you for your assistance with this. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CO)

I've been repeatedly rejected for a Discover credit card due to the stated reason of the number of inquiries. I only have six inquiries on XXXX, which is the credit reporting agency they used. Six isn't very many, especially considering that I was shopping around for a car loan. 

XXXX XXXX said I have excellent credit, a XXXX balance on my credit cards, and an excellent chance of approval. I spoke with a manager who said I needed fewer inquiries, but they couldn't say how many fewer. If I'm aiming for a particular number of inquiries, it seems fair to at least let me know how few I need.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

I took out a mortgage in XX/XX/XXXX with Wells Fargo under the name XXXX XXXX. The address on the home was XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. During the financial crisis the home became deeply underwater and I was laid off from my job with a real estate developer. I tried working with Wells Fargo to obtain a loan modification beginning around XX/XX/XXXX for approximately one year. Everytime I called I was told my case was still in review and to call back in one month. I never received any answers. I reached a point where I couldn't make the payments anymore and left my home in XX/XX/XXXX. I believe I qualified for a loan modification and was wrongfully ignored and lost the battle of attrition with Wells Fargo.
Consumer complaint received 2023-03-06
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: LoanCare, LLC (TX)

This lender is directly in violation of the Fair Credit Reporting Act because I was never given written notice of any late payments.No messagesNo characters.In addition, I am aware that the Initial Disclosures will not be adequate means of notification.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have file a complaint under XXXX. Instead of Transunion fixing the issue, my account has been blocked. As stated previously, I sent the notice in the mail to remove an incorrect bankruptcy that was appearing on my credit report a year ago. In addition, I complained that I can not access my online account. I have tried calling and was told it would take 3 days to fix and more than a week has gone by and still not fixed. Instead it is coming off as retaliation for complaining since now my access has been completely blocked. Transunion needs to get their act together. I don't have an issue with other reporting agencies.
Consumer complaint received 2023-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TN)

I received a call from Sunrise Credit Services about a debt they were collecting on from XXXX XXXX XXXX Apparently I was charged for a phone that I never purchased. I have never had an account with XXXX XXXX XXXX  and after speaking to them numerous times in response to past due notices I received, they were never able to locate an account with my name or identifying information. I was advised each time I called them that " everything would be ok and to disregard the letter ''. Well one day I review my credit and see a collection from Sunrise Credit Services regarding a balance from XXXX XXXX XXXX. I spoke to Sunrise and advised them of the situation. They sent me a fraud package to fill out, which I did and returned promptly to them. My XXXX and XXXX credit reports still reflect this collection. My score has been negatively impacted and so has my ability to receive the lowest rates available when borrowing money.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I requested debt validation via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. I received no response. 

I then sent a second letter via certified mail on XX/XX/2022, requesting that the company cease the reporting of unverified, invalidated inaccuracies. 

The company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. The company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.
Consumer complaint received 2022-05-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I sent a letter to the credit bureaus and never heard a response back. The information on my credit report is inaccurate and affecting me getting housing. I do not know what to do.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2024-03-12
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. (MA)

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 2023-01-20
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update these in my file : 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 XX/XX/XXXX
Consumer complaint received 2023-03-06
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 — Was not notified of investigation status or results
Company: National Credit Systems,Inc. (GA)

To Whom It May Concern : I have reached out to National Credit Systems several times ( XX/XX/XXXX, XXXX XXXX ) asking them to provide me with details regarding the amount that they claim I owe them. They have never obliged my requests, nor have they provided me with the proper details needed to ensure the debt belongs to me. 

At this point, the debt in question has already exceeded the statute of limitations for landlord/tenant agreements for the state of Florida anyway XXXX which is 5 years. According to my credit report, this debt was first reported XX/XX/XXXX, which was 5 years, 9 months ago. 

I am asking that this be addressed with National Credit Systems and/or be removed, as it is still being unfairly reported to the credit bureaus.
Consumer complaint received 2017-11-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc. (GA)

I have been going back and fourth with this company about this alleged medical debt for years. I never once received anything in the mail, I wasnt even notified of this until I checked my credit report. I have disputed it many times and still not received validation of the debt. On XXXX XXXX2017, I mailed a debt validation letter via certified mail with return receipt and its been 35 days, still no response. At this point, it seems like I may need to take legal action against this company.
Consumer complaint received 2022-05-21
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. (PA)

On XX/XX/22 I sent a certified letter to EQUIFAX disputing the accuracy of account XXXX XXXXXXXX # XXXX due to inaccurate dates and payment information. EQUIFAX stated the account was properly investigated. I am disputing the validity of their " investigation '' because of the inaccurate payment history listed on the account. This is a violation of the FCRA since I never received credit or services from this company ( XXXX XXXX ) and thus a payment was never made. Also, the " Date of Last Activity '' is innacurate ( please see attached pictures of the XXXX credit bureaus showing different dates. These dates should match since the Credit Reporting agencies are supposed to get this information from the same creditor/lender/collection agency XXXX This is grounds for the removal of this inaccurate account from my credit report immediately. 

Furthermore, they have violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( i ) ( ii ). The law is very clear and states if items are inaccurate or can not be thoroughly verified, the Consumer Reporting agencies shall promptly delete the account from the consumer 's credit file. 

They have also violated my rights under 15 U.S.C Section 611 ( 2 ) ( a ). The law clearly states the Credit Reporting Agencies or Credit Bureaus have XXXX days to notify me they have received my dispute- they did not.
Consumer complaint received 2019-07-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MS)

I no longer can put my hands on the date information, but we were mistreated by XXXX after my husband had suffered XXXX. I called XXXX numerous times asking whether we could get the assisstance others were getting and were told that " you're doing fine, just keep paying. '' We hired an attorney who gave us what turned out to be unlawful. He is currently being kicked out of the Florida XXXX. On the advice of that attorney, we Quit Claim over to a man who illegally leased it without ever paying XXXX a dime which turned out to be illegal. Of course, we would have preferred to keep our beautiful home, but the treatment we got from XXXX. They caused us to go through my husband 's retirement cash as a result of their behavior. I reported all this to Consumer Finance about a year and a half ago, but we never heard anything about the judgement against them to pay people like us a dime
Consumer complaint received 2022-05-21
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: Bread Financial Holdings, Inc. (IL)

In ACCORDANCE with the fair credit Reporting act First progress, COMENITY BANK, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 604 A SECTION 2 : 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 ANY PURPOSE
Consumer complaint received 2022-05-21
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: EQUIFAX, INC. (IL)

I RECEIVED COPIES OF MY CREDIT REPORT, THERE WERE XXXX COMPANIES WHICH I DON'T RECOGNIZE, I HAVE NEVER APPLIED FOR THESE CREDITORS, I'M NOT RESPONSIBLE FOR THESE DEBTS.
Consumer complaint received 2022-05-21
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. (IL)

I RECEIVED COPIES OF MY CREDIT REPORT, THERE WERE XXXX COMPANIES WHICH I DON'T RECOGNIZE, I HAVE NEVER APPLIED FOR THESE CREDITORS, I'M NOT RESPONSIBLE FOR THESE DEBTS.
Consumer complaint received 2022-05-21
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I sent a letter to the credit bureaus and never heard a response back. The information on my credit report is inaccurate and affecting me getting housing. I do not know what to do.
Consumer complaint received 2022-05-21
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX 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 2022-05-21
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: Experian Information Solutions Inc. (IL)

I RECEIVED COPIES OF MY CREDIT REPORT, THERE WERE XXXX COMPANIES WHICH I DON'T RECOGNIZE, I HAVE NEVER APPLIED FOR THESE CREDITORS, I'M NOT RESPONSIBLE FOR THESE DEBTS.
Consumer complaint received 2022-05-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau of Jamestown, Inc. (NY)

Back in XXXX I received the phone call stating that I had a debt in collections for XXXX. I explained to the collections agency that I had multiple XXXX in XXXX. And that another collections called me for the same amount and paid it. And now I feel I'm getting scammed. They stated to call my insurance. I called my insurance they wouldn't give me info what they paid and what I had to pay. I had to create an account for a portfolio to see all the bills. On XX/XX/XXXX I called this collections agency back being I seen it hit my credit and effected my score. I had to leave a voice mail and I stated I'm just going to pay so my score does t go down. I did not receive a phone call back.
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (ME)

Three weeks ago I applied for a loan online. In a few minutes I received a phone call from XXXX XXXX. They told me for {$14.00} they will pull my credit reports, review my request and get back to me. I waited three days never received an e-mail or phone call so I contacted them. They said they could n't get me a loan. I asked why, and they did n't tell me just hung up.. Very non profressional. Very rude and crude. So I thought the matter was over. Now three weeks later they are charging me {$110.00} for not doing a darn thing for me. I never wanted to join and I did not enroll in any their programs. I called them and got the total run-around. They said a rep would call me back. A week later I have n't heard anything. Please get my {$110.00} refunded. They are quick to take your money but now I ca n't even talk to anyone there. Thank You XXXX XXXX last 4 of my social XXXX
Consumer complaint received 2018-05-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (VA)

InXX/XX/2017 Google cancelled payments to my " wallet. '' They never notified me until I inquired. To which I was told, via email, they suspected fraud. I was given no way to discuss the matter over the phone or in person. I was told via another support person that my account was being investigated. 

They will not tell me what is wrong or reopen my account. I have {$930.00} US Dollars in the account that I can not withdraw. 

It is very misleading that I can have an account that they can choose to shut down without explaining why and not letting me access funds. 

Goggle wallet/spend is horribly unregulaged and they use and sell my personal information. There is no way to contact them as the " investigators do not have phones, '' as i was told. So what is stopping them from stealing everyone 's money?
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.