davidheineman/consumer-finance-complaints-large huggingface dataset:
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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my credit report and noticed that some payments were being reported as late on my XXXX XXXX credit card. So, I immediately called my creditor and informed them of the matter. I even spoke with a higher up head person in charge at the time and was assured that they late payments being reported were false and that on their end everything on their system is showing as on time. Now I know I immediately called the credit reporting agencies and informed them of the matter. I requested that they investigate this matter properly and DELETE the late payments being reported or Update my account but rather than doing that they did nothing at all. They kept all the information the same and placed a marking on my profile as UPDATED. They clearly did not investigate the matter properly and decided to properly report false and inaccurate information on my consumer credit profile. 
I was also informed while on the phone with a representative that due to the COVID 19 pandemic for such period of time they do not report late payments on the consumer report so if there were any late payments being reported they are inaccurate and that they should not be reflecting on my consumer credit file.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (GA)

I am submitting this complaint to COMENITYBANK/JARED due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable account, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, account status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

Im asking to have this account removed from credit report I dont owe {$160.00} to anyone me so Im requesting this company to validate this debt! I think theres a mix up with someone I currently have an active account with XXXX XXXX XXXX I have bill pay this isnt my account m!!
Consumer complaint received 2023-05-24
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. (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX  XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX  XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX  and Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2022-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the FCRA, XXXXXXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, and US DEPT OF EDUCATION account # XXXX, XXXX XXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX account XXXX XXXX. XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  XXXX account # XXXX, XXXX  account # XXXX XXXX and XXXX XXXX XXXX XXXX account # XXXX XXXX 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 states that a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2023-05-24
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. (FL)

id theft victim. These accounts do not belong to me. Please remove them from my report asap. 

XXXX XXXX. I have never had an account with XXXX or had a credit card with them Account number XXXX balance XXXX XXXX XXXX I dont have an account with XXXX XXXX Account number XXXX balance XXXX
Consumer complaint received 2020-01-13
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

I called this debt collector in hopes to set up a payment plan or to settle for less due to me leaving many messages and never hearing back from anyone. The interest has went up thousands and I called willingly to hopefully resolve the account. The first employee I spoke to was very rude. It started when they assumed that I would have money to pay off the account at tax time in XXXX because Ill get my return and when XXXX expressed that I wouldnt be able to because I havent even gotten my w2 yet, the employee started to say that they know Ill have it, most us companies 90 % sent them out immediately, after me telling them during the series of questions that I was currently unemployed she repeated that to me in an attempt to put me down by sayin you dont even work because I told her that I have never received my w2 in the first week of XXXX and that employers can send it out by XX/XX/XXXX at the latest. I asked to speak to a manager and the manager ( XXXX XXXX or XXXX XXXX ) got in the phone and was even more disrespectful. She talked down to me again, and then she told me I would get no help resolving the account and no help with the interest and hung up on my face even after I advised her that I was recording the call.
Consumer complaint received 2020-01-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

I do not recall all of the dates. However, Ive requested for the last 4-6 months that this company please stop calling my sons phone. 

The persons of interest that are being asked for. ( XXXX XXXX ) Ive informed that I dont know who they are, Ive never heard of them, and I am not them. 

This particular phone call a lot of regulations were broken. I do not know your companies rules. But there are federal, state laws, and regulations and procedures that have to be followed. 

I am fed up with how this call even went. The agent was very rude after I told her that she was calling my XXXX yr olds phone. I didnt appreciate it, at all. Then to question me after I told her that it was my sons phone number. She said I didnt give a yes or no answer. Um, excuse me I pay this phone bill. I clearly said no that wasnt who I was and she continued on. I dont handle business this way. It was completely unprofessional. the agents id number XXXX. 

She went back and forth with me. At this point I have told this company multiple times that it was a XXXX yr olds phone. I asked for her employee Id. She gave it to me, but I needed to get something to write it down. She argued with me that she already gave it to me. 

I then requested a manager XXXX XXXX, which came on the phone. I explained to her, but quite frankly Im sick of my son getting these calls. Secondly, I asked the manager for the agents id number she said she couldnt give that. Now thats a refusal. As a manager how do you refuse that information. I didnt ask for her full name. As matter of fact I do not recall asking for her name. I asked for her id number. 
I do not know what your company is used to dealing with. I know the laws, and I am not stupid. 

I do not want his number on an automated dialer and I didnt want manual calls. 

So, with all of that being said. I will contact an attorney for harassment unless you have something else to offer for a resolution. Making sure his telephone number is off. Was the first resolution. It wasnt taken care of after the first request. So now, you guys can come up with a resolution that is meaningful. 

Have a great evening, Portfolio Recovery Assc.
Consumer complaint received 2020-01-13
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: EQUIFAX, INC. (LA)

Initial dispute of Equifax started since XX/XX/XXXX. Dispute sent to your company XX/XX/XXXX. Equifax response was no information found, but somehow I could still pull a report with all the inaccurate information. Second they responded by saying, send in identification documents. This has been done. They responded to your company needing an additional 60 days, then needing until XX/XX/XXXX with a resolution. None of this has happened. They continue to report inaccurate information, use stall tactics. I did resend all the information but its clear, this should have been resolved.
Consumer complaint received 2023-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$950.00} XXXX  ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$3000.00} XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$950.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (WA)

I paid my account in full with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 and I have the confirmation letter but the company still hasnt taken the charge off my credit report it still says unpaid which is not true and Ive tried to dispute the inquiry and even provided proof I paid the account in full and they still havent done anything about it please help
Consumer complaint received 2023-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Synovus Bank (FL)

We obtained a construction loan from Synovus bank to build our dream house. The loan amount was {$460.00}, XXXX at an interest rate of 4.375 %, to be disbursed in progress payments. We have received {$280000.00}. The monthly payment for this amount is {$1100.00}, which we have paid faithfully. On XX/XX/22, Synovus arbitrarily raised our payment to {$2400.00}. They said that this amount includes principal and interest on the total loan amount of $ XXXX. We replied that we could not be expected to pay principal $ interest on funds that Synovus never disbursed. Furthermore, we agreed to pay the XXXX, if the total loan amount was given to us. At present, the facts are as follows : 1 ) Synovus has reported us as late, to the credit bureaus for 13 consecutive months, even though we pay the proper amount {$1100.00} monthly. 
2 ) Synovus has ruined our credit which makes it impossible to refinance this mortgage. 3 ) Synovus refuses to release the additional funds we needed to complete building our home, yet they want to force us to pay principal & interest on funds in their possession.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-05-15
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. (GA)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-24
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. (DE)

I currently have this account under investigation this company is not following the CFPB rule and Guidelines, Truth In Lending Act rules and Guidelines, The U.S.Codes and or XXXX XXXX under Title 6. They have Committed fraud willingly and knowingly with XXXX XXXX XXXX. Attached are what they have done in depth. As this account is under investigation/ dispute this company is still reporting to the CRA and are still sending me Fraudulent Statements. This company disclosed nothing to me. This company has no License to do business in my state ( DE ). They are not backed by any government agency in the USA.
Consumer complaint received 2020-01-09
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. (MD)

Case number XXXX made buy XXXX XXXX number XXXX The date of the origin of this keeps changing and now experion is trying to justify why they are Desperately trying to connect this mortgage to anything desperately trying to connect this mortgage to else. 
I just wan na this reason to be removed because its reason have been repeatedly been used as the reason why every point i received to be removed For the last 10 months. This is why Im stuck at XXXX. Just like XX/XX/2019 my score got up to XXXX then on XX/XX/2019 my score went back to XXXX with no change to my file. The United States government should find them for this. This is EXPERIONs Doing. 
Look at this. experion says the update once a month But my file got updated XX/XX/2019 XX/XX/2019 XX/XX/2019. XXXX has no explanation for why this happened they just say XXXX did it and I called the BS they tried to say the bank update 3 times in XXXX month. I said look XXXX you have been caught red-handed. Just on my file alone. They can see that they are being hacked but wont do anything about it. But if they are not being hacked the government need to find them XXXX
Consumer complaint received 2020-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Waterfall Revenue Group (NC)

After reviewing my report, I see that Waterfall Revenue GR, has account status " open '' on my credit report. The original creditor is XXXX XXXX XXXX XXXX. They sold the debt to " XXXX XXXX  '' both creditors were added to my bankruptcy and discharged in 2017. I contacted WRG and they informed me the debt was open and the amount was over XXXX. They further informed me that they are now operating under WRG which is formerly XXXX.
Consumer complaint received 2022-10-01
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. (SC)

I have submitted multiple disputes with Transunion and was provided with the exact same response each time. This debt from XXXX XXXX is fraudulent as well as out of the statute of limitations in the state of South Carolina for collection, this needs to be removed. I have provided evidence to Transunion on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2022
Consumer complaint received 2020-01-13
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (TX)

Below is a screens hot letting me know that my 6 month special only has 2 months left. Well If it didnt take you 4 months to fix a returned item dispute perhaps this would be solved by now, and if your system didnt block my payments, perhaps I could have paid off the remaining balance for the other items I have purchased on the card. 

I called two weeks ago and asked to settle this matter and as usual your customer service says to me, I will have someone call you back and I am noting your account. I am getting really serious about stopping the use of most of my Synchrony products due to your customer services being so horrid, along with your disingenuous representatives who are so obstinate about getting anything done. Plus, the fact that all the overseas call centers are such an encyclical annoyance with horrible services, which are never fast or completed in a timely manner. Below this letter is a copy of the original letter sent to you for the. 

I would like to see this matter resolved, or settle between us both soon as possible. Also I ask for the 6 month special to be honored at 6 months. It is not my fault that your merchant wont respond and that you cant understand that the tires were incomplete and have been returned. How can you change a person for a product when they dont even have the product? Even for basic information I have to call multiple times and wait 2 weeks for mailers to arrive.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am the victim of identity fraud. I have informed the credit bureaus previously, and they respond with " verified ''. 
The following accounts are associated with identity fraud : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX