davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (MD)

I contacted Ally Bank multiple times one date being XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX letting them know that I opt out of them sharing my nonpublic information ( SSN, name, transaction history, account status, address, phone number, account open and close date ) with non-affiliates like XXXX XXXX XXXX without my permission or consent. They have shared 1 savings account and over 5 of my transactions from 1 account and its status. On the XX/XX/XXXX call Ally Bank representative told me that Ally Bank does not share any of my information with anyone and I let her know that I've already requested for a copy of my XXXX consumer file and it states that they ( Ally Bank ) reported this information to XXXX. She also stated that since my account is closed Ally Bank will not share anymore of my information. I did let the representative know that this is against Ally Bank 's Privacy Policy and the Privacy Act of 1974 and it needs to be handled. Please see attached documents for reference. This is tarnishing my name, ability to do business with others, causing emotional/mental and spiritual health issues. Ally Banks privacy policy violates the Privacy Act of 1974 and my rights as a federally protected consumer. https : //www.ally.com/privacy/ # of accounts : XXXX XXXX XXXX XXXX Status : XXXX XXXX  Transaction : 9 Number of Transaction Reporting : 9 Status Reporting : 7 Total Violations Owed to Me ( {$1000.00} per violation ) : $ XXXX
Consumer complaint received 2022-05-22
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. (VA)

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 This information is still on my report, XXXX XXXX has removed cause they was unable to verify the accuracy of the bankruptcy but the other credit bureau such as XXXX XXXX XXXX and Experian have not removed all the information. 

They also stated that they verify the information with the courts and the Court sent me a letter that they dont verify so they lied. 

Please help me with this problem
Consumer complaint received 2022-05-22
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. (VA)

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 This information is still on my report, XXXX XXXX has removed cause they was unable to verify the accuracy of the bankruptcy but the other credit bureau such as XXXX Trans Union and XXXX have not removed all the information. 

They also stated that they verify the information with the courts and the Court sent me a letter that they dont verify so they lied. 

Please help me with this problem
Consumer complaint received 2023-10-06
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. (FL)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (IL)

Hi I was unable to use my Victoria Secret credit Card on XXXX XXXX. I was unaware that it was closed. I was embarrassed as I tried to make a purchase and it declined three times. I then called company to find out and they said it was closed on XX/XX/XXXX. I explained to them that I did not receive a letter or any type of message explaining reason. Theyre answer was they sent it in the mail. I never gotten a letter because I have paperless billing also I never received anything from message center as well. I asked why and they couldnt give me an exact answer. I have been with them since XXXX. I paid on time and just paid them off in XXXX of this year. I am very disappointed that my account has been closed and I did not give Permission to close my account. I have this account for my daughters. I cant understand why this has happened. There is no recitation on me asking to close my account. I have had this account for a long time. I had issues with them before lowering my account and making my credit score drop down. I had to call and inquire about this as well. I dont appreciate it and will not tolerate this type of association with my accounts. I would like this resolved and put into place as I would like my account reopened. This is inconveniencing me as well. Also my daughter is an authorized user. What if she would have gone to make a purchase and was not aware that account was closed. It doesnt make since to pay off a store credit card in beginning of this year and have it closed two months letter without warning. I believe Victoria Secret should at least send out an email or message stating why or telling you to use your card. They send everything else through messages. 

Best regards
Consumer complaint received 2022-05-22
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. (VA)

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 any purpose.
Consumer complaint received 2023-07-15
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: EQUIFAX, INC. (GA)

When I reinvestigated my credit report, I realized that the same information was erroneous. The 3 credit Bureaus are required to revalidate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2022-05-22
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number XXXX XXXX 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 cna not furnish an account with my written instructions.
Consumer complaint received 2024-02-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NY)

I had a {$700.00} line of credit from XXXX XXXX associated with my XXXX account. Because of financial difficulties, I stopped paying on the account on or about XXXX or XX/XX/XXXX. On XX/XX/XXXX, I called XXXX to see what the payoff amount of the line of credit was so I could resolve the account and was told XXXX had charged the debt off on XX/XX/XXXX and closed the account. Subsequent to the XX/XX/XXXX call, I received a notice from XXXX stating they had sold the account to MIDLAND CREDIT MANAGEMENT. I called the telephone no. on the notice to see what I needed to do to resolve the acct. and was told Midland would contact me directly. In late XX/XX/XXXX, I received a notice from Midland stating I owed them {$1000.00}. I am a retiree, a single-income household and I am paid ONCE A MONTH at the end of each month and $ XXXX is substantial to my living expenses. I put aside funds from my retirement check at the end of XX/XX/XXXX and planned on putting aside add'l funds from my monthly check on XX/XX/XXXX and either pay the amount in full in XXXX or XX/XX/XXXX. On XX/XX/XXXX, I found a plastic bag containing a XXXX envelope tied to my house door. It was a 2nd notice from Midland Credit Management and it stated I needed to pay them BY XX/XX/XXXX or they would proceed with an attorney. THEY LITERALLY GAVE ME FIVE DAYS to pay them. I called the telephone no. on the notice and spoke with a snarky rep with limited English-speaking capabilities. I told her I would pay in full via a money order sent via the post office either on XX/XX/XXXX or in XXXX. This didn't seem to appease the rep. After that call, I decided I would pay on XX/XX/XXXX because I suspect this aggressive, very fraudulent company will proceed with legal action after the FIVE days elapse then tack on add'l absorbent legal fees they will say is due them EVEN THOUGH they've been told I'm paying in full on XX/XX/XXXX via money order through the post office. I also wrote a letter on XX/XX/XXXX informing them of this and sent it that day via first class mail. So they've been notified twice prior to XX/XX/XXXX-THEIR DEADLINE. I called CFPB as well on XX/XX/XXXX in hopes they could do something to prevent this company from proceeding with legal action and adding additional monies to the amount due. CFPB suggested I submit a complaint against the company. I am not disputing the amount of the debt even though they already tacked {$360.00} onto the original debt of {$700.00}. What I am disputing is their debt collection practices. This company has a horrific reputation and needs to be investigated and I'm hopeful that CFPB will initiate that. Thank you for your assistance in this matter.
Consumer complaint received 2022-05-22
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. (VA)

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 This information is still on my report, XXXX XXXX has removed cause they was unable to verify the accuracy of the bankruptcy but the other credit bureau such as Equifax XXXX XXXX and XXXX have not removed all the information. 

They also stated that they verify the information with the courts and the Court sent me a letter that they dont verify so they lied. 

Please help me with this problem
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (CA)

Last several months, I have sent in complaints because XXXX is not removing this false bankruptcy. Yet they also have not provided any documentation proving that this bankruptcy record belongs to me. Fortunately, all complaints I have sent are here on file as proof of their negligence to remove this false bankruptcy.
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the XXXX  Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : {$2600.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-05-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I moved out of XXXX XXXX XXXX a month before my lease was up in 2019. I even went to court and advised the judge I would move out the time I promised. XXXX retained Fairs Collections & Outsourcing to collect my due balance for breaking my contract. Balanced owed by the courts is {$1800.00}. Fairs Collections is reporting an outrageous debt amount of {$6000.00}. For years, Ive told them I would pay the amount I owe not the made up number thats on my report. They refused to take the payment.
Consumer complaint received 2022-04-12
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I could progress with purchasing my first home .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I noticed these fraudulent reportings on : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-11-09
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

can not find anyplace to dispute issue with trans Union - unable to reach live person or get information to receive pin number to remove credit freeze on my report. they suggested information needed to receive to pin being copy of drivers licence - bill and other things - they have not provided what " other things '' are needed. in order to speak with anyone live to get information I need to provide pin number which I have lost. I can not change credit cards - I can not get a loan w/o a credit score - I can not get a credit score with a freeze on my credit.
Consumer complaint received 2022-05-22
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: NAVY FEDERAL CREDIT UNION (NC)

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX XXXX / 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 any purpose.
Consumer complaint received 2019-11-22
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. (TX)

I have unknown names and information on my credit report, The accounts that are unknown to me I will list them below, I have inaccurate employment information its keeping me from getting a job and housing. The utilization amounts are incorrect. I would like a review of this information. XXXX XXXX,, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX 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
Consumer complaint received 2022-05-22
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)

ive sent countless letters over the past year about an error on my credit report with transunion showing a Bankruptcy and I just get a default letter stating verified I've contacted XXXX XXXX  and the court they claimed they verified with and both sent me letters stating it wasnt with them Ive ask transunion several times what was the method of verification just to get sent a letter again saying verified. not saying when, or who, what day, what company, the person they spoke with, or the address of the company. I already called transunion after they send a letter stating that im a Credit company only to say they won't look at my dispute. I had to send another letter verified and get a signature just to say verified no other details
Consumer complaint received 2022-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Grain Technology, Inc. (IL)

I have been locked of my account for XXXX weeks now waiting on them to verify my account and I my payment is due this month but can not access my account to make my payments. There is no number to reach anyone and I have written in so many email tickets with no response. They say 2 business days you will get a response but I have yet to get a response. 

No one has helped me. I have screenshots of my email requests with no response.
Consumer complaint received 2017-07-07
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. (GA)

I checked my credit report to find that XXXX XXXX XXXX is reporting my account as 30 days past due one time. I do n't ever recall being past due on this account and I find it quite odd that 1 )  it has n't been updated since XX/XX/XXXX and 2 ) they fail to indicate on the report when ( what month and year ) I was allegedly " past due. '' When I wrote to them in XX/XX/XXXX, their response was that " there was no payment record error made and the delinquency that appears on the file is valid. '' I do not agree with this. They fail to indicate when ( if at all ) I was past due and refuse to remove it. I specifically request verifiable proof from XXXX XXXX XXXX to confirm the accuracy and validity of said reporting and if they can not comply within 15 days, which is plenty of time to satisfy my request, I request that the derogatory remarks of " Past due, 30 days '' be removed from the reporting of this account from all three major credit bureaus, XXXX, XXXX and TransUnion.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I received 2 emails that appear legitimate that someone was attempting to use my email to 1st open a checking account on XX/XX/23. On XX/XX/23, I received another email for a failure to qualify for a savings account of some sort. I've never engaged in business with Bank of America. I don't know if my personal info has been acquired or not
Consumer complaint received 2022-05-22
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. (GA)

I made a {$3000.00} payment to XXXX XXXX on XX/XX/XXXX. This payment was an advance payment so I wouldnt have to pay monthly for whole year of XXXX. On XX/XX/XXXX I get a notification that my Experian credit profile is updated and that XXXX XXXX reported my account in collections. When I made the payment, it was over the phone and my account representative confirmed it was an advance payment for the following year. They are constantly fraudulently displaying false information on my credit report. The balance owed is also incorrect. It should be in the $ XXXX $ XXXX range.
Consumer complaint received 2024-02-16
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: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-02-16
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: Experian Information Solutions Inc. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.