davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I have called the company time and time again over the past years to get this account fixed. I have paid both account in full within the time frame they initially told me I could without any negative backlash as I was in a bad financial situation at the time of the accounts being open and active. They proceeded to still charge off the accounts and take full payment from me. I feel as if this is just how they had planned to hurt me in a personal way because I could not make my payments on time due to my situation at the time.I have been fighting to have these account fixed on my consumer reports for years to no avail. I recently learned about the CFPB as I'm working to get my credit reports fixed to be able to buy a home soon in the future. The account numbers are as follows XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX Below I will also include screen shots from my credit reports showing the account information in more detail.
Consumer complaint received 2024-01-31
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. (MO)

I have consistently disputed the inaccuracies in the provided information with XXXX, and TransUnion ; regrettably, the matter remains unresolved to date. 

XXXX : The status is incorrect for the following account : XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report. 

TransUnion : The status is incorrect for the following account : XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2022-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit inquiries, as well as ones that were clearly deficient of the compliant demonstrated permissible purpose ( to be kept or disclosed lawfully ), allegedly made by the following Original Creditors. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. TRANSUNION failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If a signed authorization can not be found they are required to remove the inquiries from my credit report. Also, per pursuant of section 604 it indicates the only permissible purpose for inquiries are firm offer of credit, court order, employment and insurance. From my records neither did I authorize these inquiries there is not permissible purpose that applies so therefore TRANSUNION is REQUIRED to immediately remove each and every last one of them from my credit report.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

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 XXXX Account # XXXX Account # XXXX Has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604A Section 2 states consumer reporting agency can not furnish an account without my written instructions 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 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 the the information is inaccurate
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

i have asked XXXX XXXX XXXX  to validate the debt and have recieved no response.this is not me and has injured me .i am a divine being.i sent certified mail XX/XX/XXXX and have not received any response
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (FL)

We ordered AMEX cards like we always do for employees and incentives straight from the website. Somehow the entire balance gets used before the user even uses it. When we call AMEX they don't care but gave a report of uses. All bXXXX XXXX  and other charges exactly totaling the card amount in California we didn't do. So, someone inside XXXX or AMEX is hacking this info before card are sent out. Here are other people having issues recently and can't believe this is not a bigger issue for others. 

Please see links to examples of other folks having the issue. 

https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!
Consumer complaint received 2022-12-12
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. (AZ)

In accordance with the Fair Credit Reporting Act 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 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 an account without my written instructions.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I had a card with XXXX XXXX  and I paid it off in XXXXXXXX XXXX XXXX. I didn't even have a balance on the card in XXXX or XXXX and they reported the account as late. They put some charge on the card for {$49.00} in XXXX and then reported me as late again in XXXX. I think it was some fee they charged on top of the outrageous interest rate. I tried to resolve this with them but then would not respond after saying they didn't agree but could not give me the documents I requested.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I had a card with XXXX XXXX  and I paid it off in XXXX of 2020. I didn't even have a balance on the card in XXXX or XXXX and they reported the account as late. They put some charge on the card for {$49.00} in XXXX and then reported me as late again in XXXX. I think it was some fee they charged on top of the outrageous interest rate. I tried to resolve this with them but then would not respond after saying they didn't agree but could not give me the documents I requested.
Consumer complaint received 2022-12-12
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. (CA)

I had a card with XXXX XXXX and I paid it off in XXXX of 2020. I didn't even have a balance on the card in XXXX or XXXX and they reported the account as late. They put some charge on the card for {$49.00} in XXXX and then reported me as late again in XXXX. I think it was some fee they charged on top of the outrageous interest rate. I tried to resolve this with them but then would not respond after saying they didn't agree but could not give me the documents I requested.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please note, this is a not a duplicate complaint, and I am not using any third party for this matter, I represent myself by myself. I pulled up my credit report from Equifax - report and that report is showing my account in a late payment - XXXX XXXX  - date opened XX/XX/XXXX. This account is closed and paid, NEVER LATE. I have a proof of payment in XX/XX/XXXX, that payment went from my bank account to XXXX XXXX XXXX, I have attached a copy of my bank statement to this complaint, please note, that ONLY EQUIFAX has reported this account in delinquency, I WAS NEVER LATE ON THIS PAYMENT.
Consumer complaint received 2023-03-06
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. (TN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-12
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. (NY)

In XXXX and XXXX of 2022, I filed a dispute online with XXXX and Transunion. I stated several times that I did not authorize the inquiries and they insisted that they were mine.
Consumer complaint received 2022-12-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CARTER-JONES COLLECTION SERVICE, INC (OR)

I am submitting this complaint on behalf of my client XXXX XXXX of XXXX XXXX, Oregon. The forgoing selections in " XXXX XXXX '' on your website do not fit and were selected only to advance the complaint process. My apologies. Here is a summary of the pressing problems. 

XXXX XXXX qualified for a 90-95 % financial assistance reduction for his medical bills on 2 applications in XXXX and XXXX. The medical provider is a nonprofit hospital, XXXX XXXX XXXX XXXX. 
His finances remained at approximately the same poverty level range during these years. But the hospital refused to process the reduction from his most recent application to all of his accounts since some were in collection, even though the law allows outside the ordinary application period and contains no collection exclusion. 26 CFR 1.501 ( r ) 1 ( b ) ( 3 ). 

He was sued by Carter Jones Collection Service , Inc. for approximately {$14000.00} in these uninsured medical bills incurred between XXXX and XXXX at a non-profit hospital, XXXX XXXX XXXX XXXX. However, XXXX XXXX from XXXX XXXX testified that XXXX XXXX does not have the agreement required by law with the XXXX XXXX before lawsuits against patients can be filed. See details about the necessary agreement here : 26 CFR 1.501 ( r ) -6 ( c ) ( 10 ). In the absence of this agreement, the lawsuit should never have been filed against XXXX XXXX. The lawsuit is a form of " extraordinary collection action '' ( " XXXX '' ) which is considered an XXXX of the hospital even if pursued by the collection agency. 26 CFR 1.501 ( r ) 6 ( a ) - ( b ). Here XXXX XXXX and XXXX continue to work together to collect these uninsured debts, even though it violates these laws. 

I have recently brought these matters to their attention and pointed out that XXXX XXXX enjoyment of non-profit status is premised upon compliance with these laws. 26 U.S.C. 501 ( c ) ( r ) ( 4 ) - ( 7 ) ; 26 CFR 1.501 ( r ) -6 ( c ) ( 10 ). But they refuse to dismiss the lawsuit despite my client 's requests even though their XXXX agreement with the XXXX allows them to take the accounts back at any time. Recently, XXXX XXXX has also delayed my client 's medical care which is another form of XXXX ( 26 CFR 1.501 ( r ) 6 ( b ) ( 1 ) ( iii ) ) that can not legally be taken under these circumstances. 

XXXX XXXX and XXXX XXXX continue to violate XXXX XXXX 's rights as well as their legal obligations arising out of the fact that these debts were incurred at a non-profit hospital by an uninsured individual who qualifies for financial assistance.
Consumer complaint received 2023-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request debt validation made pursuant to XXXX5 USC 1692g Sec. 809 ( b ) of the FDCPA. On XX/XX/XXXX I sent a request for validation to Transunion about several accounts listed on my credit report. I received a letter from Transunion dated XXXX XXXX that all of the accounts were verified but they did not send me any proof. I sent a second requesting them to provide proof on XX/XX/XXXX. On XX/XX/XXXX I received a letter of the dispute status for bankruptcy listed on my report. Transunion falsely stated the bankruptcy was verified with the courthouse. I sent them a letter that I received from the courthouse that proves otherwise. See attached. The letter from Transunion also states that they are not required to reinvestigate the same item ( s ) without additional information to support the dispute. Which is beyond questionable since the never properly validated any of the debts in the first place. On XX/XX/XXXX, I received another letter from Transunion stating the items had been verified again, yet they still did not provide me with the competent validation I requested. I sent a third request informing them that I was exercising my rights under FCRA 611 ( a ) ( 7 ) requesting a complete description of all methods used to investigate my previous dispute. As a result, I received XXXX letters dated XX/XX/XXXX. An investigation procedure letter and a dispute status of XXXX XXXX XXXX but I did not receive validated proof or documentation that I requested. I sent a fourth dispute letter dated XX/XX/XXXX. Yet, I received another letter stating that all of the accounts were verified. On XX/XX/XXXX I sent a final letter requesting verification. Once again Transunion stated the accounts were verified and or updated. I sent the same letters to XXXX XXXX XXXX and both agencies deleted XXXX from my credit report. Ive spent a lot of time and money sending letters to Transunion yet they never validated anything. How is it that one credit reporting agency can delete non-validated items in question, yet another doesnt when the same law applies to all of them? I have included all of the documents Ive sent to Transunion which shows that they violated my rights and ignored my requests numerous times per section FCRA 609 due to not following proper investigation procedures. In accordance with 15 U.S. Code 1692g, I hold the right to request validation of the debt, including any fees, and who the original party that is making the claim. I would like negative information deleted from my file immediately. Please see attachments.
Consumer complaint received 2023-02-11
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

The XXXX XXXXXXXX giving me a delinquent status on all XXXX credit reports, when it shows on Experian that my payment was made in XXXX from XXXX to XXXX all checks marks on the credit report. On XX/XX/XXXX I gave XXXX XXXX XXXX dollars but instead of them applying them monthly they took my money and applied it towards principal and nothing on interest at all I have given you complaints for the longest but my XXXX Act/Title II Civil Rights are being violated especially when I live in Florida which is a disaster state, also falsifying and not applying my payments monthly after giving them XXXX dollars which is not right. The sad part about this is that Experian and other credit bureaus are not trying to listen to me knowing XXXX XXXX is in violation, and I have evidence to show what I paid. According to 15 USC 1681 and FCRA is being violated and I want to be compensated due to XXXX XXXX trying to make me look bad on my credit report which brought my score down tremendously after speaking to them about my money, and still, no action taken please investigate there records and file charges against them. 

Thank you, XXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are circled on the attached copy of the report I received. 
1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX  XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft and did not make the charge ( s ). I am requesting that the item ( s ) be blocked to correct my credit report. Also, please see attached documentation from the data furnisher Creditors In which they agree to delete these accounts.

Enclosed are copies of Police Report, FTC Identity Theft affidavit supporting my position. Please investigate this ( these ) matter ( s ) and block the disputed item ( s ) as soon as possible. 
Yours truly, XXXXx XXXX TXXXX Enclosures : NEW Police Report FTC Identity Theft Affidavit XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX RE : Investigation Request to Delete Unauthorized Credit Inquires To Whom It May Concern : I had previously disputed these unauthorized inquires on my credit report. A letter sent certified mail on XX/XX/XXXX, concerning this issue however, you have failed to conduct a proper investigation and continue to report these fraudulent inquires. Its now over 30 days since that request. This will be the second time that I have reach out. 
Please delete the following inquires on my file, these are fraudulent. I did not authorize them. Also, provide me with method of verification. Please provide factual evidence that I Initiated this credit Inquires. 
1. XXXX-Did not Authorized. XX/XX/XXXX 2. XXXX-Did not Authorized. XX/XX/XXXX 3. XXXX XXXX XXXX Did not Authorized. XX/XX/XXXX 4. XXXX XXXX XXXX XXXX Did not Authorized. XX/XX/XXXX 5. XXXX XXXX- Did not Authorized. XX/XX/XXXX 6. XXXX Did not Authorized. XX/XX/XXXX 7. XXXX XXXX Corp-Did not Authorized. XX/XX/XXXX 8. XXXX XXXX XXXX XXXX- Did not Authorized. XX/XX/XXXX 9. XXXX XXXX Did not Authorized. XX/XX/XXXX 10. XXXX Did not Authorized. XX/XX/XXXX Once you delete the above fraudulent inquiries, please mail me an updated credit report. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (SC)

On XX/XX/2023 I applied for and received a balance transfer from one of my credit cards to my Barclay AA Advantage Master Card. Barclay transferred the Balance and charged me a {$450.00} balance transfer fee. A few weeks later, on XX/XX/XXXX, I was charged their {$99.00} annual fee. I have been making regular payments on my card and then I noticed I was getting charged small finance charges every month. When I called Barclay customer support, I was told by a Customer Service Rep XXXX and her Manager, XXXX that these finance charges were being charged because of the balance transfer and annual fee. 

Section 1026.4 ( c ) ( 3 ) states Fees charged for participation in a credit plan are to be excluded from finance charges