davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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. (FL)

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 Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX ( XXXX XXXX XXXX ) Account # XXXX Account name XXXX XXXX account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

I disputed a charge, including where there is NO signed charge receipt and Synchrony denied my dispute and told me in writing that I would receive a letter explaining their decision within 7-10 business days, and as of today XXXX, which is 13 business days since THEY said I would receive the letter, NO letter has arrived. The letter could easily be attached in the message portal they provide but they haven't bothered to even do that. After sending message after message in the portal about the status of the letter, I get generic emails telling me there are messages for me to read and either I get an error OR no messages to view. I need that letter to consider potential legal action regarding my dispute. I gladly give my permission for anyone to view this complaint AND what most likely will be a subsequent complaint for denying my valid and solid evidence dispute. A copy of the email explaining when I would receive a letter regarding my dispute is enclosed/attached.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: DISCOVER BANK (GA)

On XX/XX/XXXX I found out by checking my account that Discover Card had replaced a {$4000.00} charge back on my card which had been disputed. They initially gave me a credit for the {$4000.00} in XXXX and I heard nothing more. When questioned, they said it went to arbitration and was found to be valid. They didn't see where I had provided any documents. I had no idea it went to arbitration. 

I did upload the limited documents I had ( maybe a web page issue ), since the merchant had closed the portal showing my messages when I attempted to copy them for the credit card company. Discover Card never contacted me about documents, knowing full well that for a {$4000.00} dispute, I would have uploaded what documented I had. 

I explained this on XX/XX/XXXX, but Discover Card refused to reopen the investigation. Therefore, I have this huge credit utilization increase without any warning and an arbitration I knew nothing about.
Consumer complaint received 2022-01-04
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. (NY)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-09-05
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. (NM)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number XXXX for the amount of {$5400.00}, XXXX XXXX XXXX XXXX account XXXX for the amount of {$1700.00}, and XXXX XXXX XXXX XXXX {$6200.00}, have 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 2022-12-23
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. (SC)

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. 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I checked in the XXXX XXXX on XXXX XXXX check out XXXX XXXX I check online banking its has {$290.00} negative overdraft fees XXXX also service charges of {$47.00} When I call I was put on hold saying he is checking my account when the person get back on the phone he hanged up.
Consumer complaint received 2022-09-05
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)

On XX/XX/2022, I requested an Equifax credit report via XXXX The website generated a credit report which indicated that my XXXX loan under loan XXXX XXXX  has a remaining balance of {$32000.00} as of XX/XX/2022. This information is incorrect because I made a payment on XX/XX/2022 that brought my current balance down to {$31000.00} and XXXX cents. Upon dispute, Equifax appears to have corrected my historical balance from the last report date which should have captured this payment, but appears to have left the current balance at {$32000.00}, which is incorrect. The current balance should actually reflect {$31000.00} and XXXX cents. 

I've attached the original error in my credit file ( Credit Report Error XXXX ), the incomplete results of the dispute ( XXXX XXXX  ), payment receipt ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), letter with proof of payment ( document ending with Copy of XXXXXXXX XXXX  ), and current loan balance details with XXXX  XXXX ( the account in question ) expanded ( Loan Details with XXXX XXXX XXXX  ).
Consumer complaint received 2022-09-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-27
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. (IL)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs.
Consumer complaint received 2022-06-05
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. (VA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-18
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: Experian Information Solutions Inc. (CA)

already tried working with experian i am a victim of ideneity theft and this fradulent hard inquiry must be removed acccording to the fcra 605b block and remove this hard inquiry resulting from idenety theft XXXX XXXX XXXX XXXX XXXX XX/XX/2022 attached if ftc report!!!
Consumer complaint received 2023-11-28
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: EQUIFAX, INC. (VA)

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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-05
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX, Account # XXXX, has violated my rights. 
-Bankruptcy XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
-Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX ; US Sm Bus Admin ODA , have violated my rights.

15 U.S.C. 1681 Section 602 A states that I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency c
an not furnish an account without my written instructions
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-02-21
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (NJ)

On XX/XX/XXXX Elan Financial Services sent out a letter notifying me of the closure of my account number XXXX issued by Valley Bank, at the time the account had a credit balance of {$2600.00}, in another letter dated XXXX XXXX XXXX  the bank states that they have sent the credit balance of to the remitter of the last payment made onthe account, as of today XXXX XXXX XXXX, the owner of the checking account has not received any check nor has been any ACH issued to their account, I made numerous attempts to contact the bank regarding this matter and literally every time I got different information regarding this refund payment, I feel like I've exhausted all my options, so I am sending this complaint so the CFPB can intervene and attempt to retrieve these funds
Consumer complaint received 2022-06-05
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-05
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Williams & Fudge, Inc (AK)

Contacting me at absurd times of the day and continuously call during my work hours. No letter sent to me from them regarding my debts & originally debtor did not contact me in any effort to resolve this debt. I had auto payments and changed banks- I was never contacted.
Consumer complaint received 2019-11-30
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. (NJ)

All three credit bureaus have allowed XXXX to report an old account with them as an open account and allowed XXXX to say that the the past due amount is the current monthly payment due and XXXX reports monthly that I am 30 days past due with an amount exceeding XXXX a month which is insane for a an account which is alledgely in collections this was not previously on my credit report like this XXXX actually changed how they were reporting on my credit report when I made a complaint on them due to the erroneous charges from this account since that date my realtor showed me that they started reporting this as a an account 30 days late and it keeps dinging my report every month as a new late payment XXXX also keeps changing the amount by a dollar so that it comes up as new even though this account has been closed since 2017 and I have never received a bill or collection notice and my online access was disabled to see anything I have reported this to the credit companies and they just send the same vague statement that the investigation shows the account is accurate which is complete XXXX  and I am very confused how they allowed XXXX to make my credit worse 2 years later with false information. I want this removed as an open account on my credit report. And the XXXX removed completely as they claimed to me on the phone which I recorded that they sold my account to a collection company and they have never sent me any bills
Consumer complaint received 2024-04-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Freedom Mortgage Company (FL)

I am trying to secure loan payoff on my deceased mother 's mortgage loan account with Freedom Mortgage Company. The process to gain access to her account was originally initiated on or about XXXX of XXXX. I spoke with XXXX XXXX, Specialist Escalations and at her requested emailed a copy of my DL, my mother death certificate and trust documents naming me as trustee. The next several months afterwards I was able to access her account her payment statements began coming to my address as requested. Sometime after that period I no longer had access and statements stop coming to my address. On or about XXXX of XXXX I spoke with XXXX XXXX and week later XXXX XXXX Escalation Teller XXXX and forward her requested documents in order to obtain the payoff of the loan. I received a letter date XX/XX/XXXX requesting Letters of Administration/Letters Testamentary or Personal Representative of Estimate. I called the mortgage company after receipt of the letter to explain that with the Trust their was not a requirement for probate proceedings and there is no executor/personal representative. I spoke with XXXX XXXX he requested to assist me any further or transfer me to a manager or a member of the escalation team stating " I am not their customer '' My mother house is under court order to be sold and is schedule to close on XX/XX/XXXX. The sale is begin held up because the mortgage will not provide the payoff and provide any additional info on what documents are need to obtain the payoff. Ironically the mortgage is past due and they have not problem sending a letter to my address advised that the mortgage is past due and the past due amount is disclosed in the letter.
Consumer complaint received 2023-11-28
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: EQUIFAX, INC. (VA)

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 and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2022-01-04
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: Resurgent Capital Services L.P. (AZ)

I ceased and dististed this debt I do not validate that was sold over to a third party debt collector. 15 USC 1681a 2 ( iii ). There were 2 companies that made an agreement without my disclosure and it states it must be clearly and conspicuously disclosed to the consumer. Also, 15 usc 1681 2 ( b ) I do not authorize this. I also want my FILE and my consumer report.
Consumer complaint received 2019-07-30
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. (MS)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BROKER SOLUTIONS, INC. (FL)

SOME UNAUTHORIZED INQUIRIES ARE ON MY CONSUMER REPORTS THEY ARE UNLAWFULLY BEING REPORTING. 

15 USC 1681N ANY PERSON WHO WILLFULLY FAILS TO COMPLY WITH ANY REQUIREMENT IMPOSED UNDER THIS SUBCHAPTER WITH RESPECT TO ANY CONSUMER IS LIABLE TO THAT CONSUMER IN AN AMOUNT EQUAL TO THE SUM.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I had had my Wells Fargo bank account for almost XXXX years and decided to close my account due to them changing features on my account, causing me to miss calculate my funds and results of continuous overdrafts and nonsufficient funds for me to have to pay a large amount of overdraft fees
Consumer complaint received 2022-09-27
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. (NJ)

And I have identified information on My consumer reports that result in identity Theft. These items are not transactions is completed by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Ftc report number XXXX Ftc report number XXXX