davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-29
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)

I disputed the placement of discharged bankruptcies that were placed on my Credit report with XXXX, XXXX and TransUnion on XX/XX/2023. After nearly a month in a half later, XX/XX/2023, these items weren't removed as requested due to them verifying that the information of these items were obtained by the Courts. However after notifying the courts and inquiring about the accuracy of them ( the courts ) providing this information, the courts informed me via certified letter that they indeed did not disclose my information to be utilized by any credit bureau or secondary entity.
Consumer complaint received 2023-05-29
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P. (NV)

I settled two accounts that were in collections, paid in full and neither account has been removed from my credit report. 

On XX/XX/2023 I paid {$120.00} to XXXX to pay the remaining balance on the account in full. the account status has not been changed or updated to reflect the agreement we made upon payment to remove the account from my credit report. 

I also settled to pay Southwest credit systems {$200.00}, that I paid in full. The account status has not been changed or updated to reflect the agreement we made upon payment to remove the account from my credit report.
Consumer complaint received 2023-05-29
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. (GA)

This is in regards to my initial complaint made on XX/XX/23. Transunion mailed my results but did not provide their method of investigation. Who did you speak with from the companies? What date did you speak with them? What is the address of the companies? What is their telephone number? Provide the disclosures between me and the companies of me giving them permission to report on my credit. According to 15 U.S.C 1681 section ( a ) ( 4 ), I have a right to privacy on my consumer report. I did not consent to these companies to report, and they are in violation of my rights.
Consumer complaint received 2024-03-20
Product: Credit reporting 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. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My Bank of America checking account of 20 years suddenly included a XXXX XXXX  monthly fee beginning in XX/XX/XXXX. I only discovered the fee in XX/XX/XXXX. Called the bank and took 1-1/2 hours to learn that my checking account was a type that had " no fees '' if I met criteria for combined balances across all accounts. There was a very long grace period if I didn't meet the criteria. I asked to change to another account type with a lower fee, but was told if I do that, I will then have additional fees added to my linked savings accounts at the same bank, which would cancel out the savings on the first account. Seems like I'm stuck -- and most importantly, I can't find any record of the bank informing me of these requirements or the changes to my fees. I feel like i should have been warned. I also asked to have the fees from 8 months ( {$200.00} total ) refunded. B of A only agreed to refund two fees ( {$50.00} total ).
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (CA)

Comeniity bank is reporting XXXX account for XXXX XXXX opened back in XXXX XXXX. 
One account is open an a good status the second is charged off. After I pulled my credit report and found out.I contacted the credit Bureaus and I file a dispute requesting proof, evidence of why they open XXXX account same day and validation of the debt, I did the claim over the phone and also by mail. 
I did contacted the community bank too, and after customer services pulled my info the told the charge off account was open with a different address they transfer me over to the fraud Department they listen my request and asked me to send a mail to formal start a dispute, I was also contacted to a Collection company who claim to own the account I request the same thing and the only send me a letter asking me to pay the debt, not XXXX has been provide my request. Also if they sold the account to another company why they are reporting to my credit. 
How come XXXX accounts was opened under my name same day and I was only aware about XXXX account, even XXXX XXXX XXXX XXXX confirmed that in their system show I have XXXX account in good stand they are fail to provide any information. 
I am requesting proof of the XXXX credit applications with validation of the debt and any documents relate to those XXXX accounts or they need to delete the second account.
Consumer complaint received 2023-02-20
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. (OH)

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 XXXX : XXXX Account Number : XXXX has violated my rights. 


UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  BANK XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX BANK XX/XX/2022 XXXX CARD XX/XX/2022 XXXX CARD XX/XX/2022 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 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XX/XX/XXXX, XXXX filled out an auto loan through XXXX XXXX web site. XXXX from XXXX XXXX  called to let me know that on Trans Union credit report still shows my student loans due, I told XXXX that it has been years since I went to school. Sent pictures of XXXX credit report showing zero student loans. I did fill out a dispute about the student loans on Trans Union web site. 
I contacted Trans Union to inform them of the mistake of the student loans still showing up on my credit. I was informed, nothing will be done to remove the loans for 30 days for disputes takes, or till they get the refusal letters from the banks for an auto loan. 
Student Loans are to stay for 7 years, some of the student loans show up to 14 years.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2024-01-18
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. (NY)

I have written and sent in over 30 days ago, my letter opting out Per 15 usc 6802 & 6805. I have chosen to opt out with these companies ( XXXX XXXX XXXX ) yet they are on my report for all 3 credit bureaus The XXXX account was sold and is charged off. A charge off is considered a certificate of indebtness, which is also considered income and MUST be removed The collections account was sold to a third party violating the privacy act of 1974. This need to be removed. 


I the consumer also never authorized my credit card utilization. The law states it is ILLEGAL to report transaction history without my written consent per 15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/23, I made a purchase on the XXXX  app for {$150.00}. I paid extra for a quicker delivery.The item in my order was a pair of sneakers, the sneakers was needed for my upcoming vacation on XX/XX/XXXX. The sneakers didn't arrived by its XXXX date. The carrier XXXX kept changing the information on the online tracker. Stating that the sneakers was out for delivery but yet never came. I contacted XXXX multiple times to no avail in receiving help. Seeing that my package clearly was never going arrive, I made a dispute with my bank ( Chase ). Chase denied my claim because according to them XXXX submitted proof that the item was delivered. The proof they submitted is just a black photo. There's no way I received the sneakers on XX/XX/XXXX because I was already on vacation. ( I have the itinerary to prove that ) A rep at Chase, told me I could file another dispute for the same transaction being that XXXX was suppose issued a refund. Once again Chase denied my refund. I never received the products and I been robbed out of {$150.00}. If my bank not going have my back when it comes to merchants then who will? Who suppose hold these companies and financial institution accountable? 
I submitted evidence on multiple occasions.
Consumer complaint received 2024-01-17
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. (MS)

I have filed an FTC report due to identity theft and fraudulent information. I noticed on my credit report that there are 2 hard inquiries from XXXX XXXX on XX/XX/2024, name, address, and employer that I do not recognize. The accounts are completely fraudulent and have never belonged to me. The accounts are XXXX XXXX XXXX XXXX that is listed twice, XXXX XXXX XXXX ( The ONLY name I have is XXXX XXXX ), XXXX XXXX XXXX XXXX Ms XXXX ( The ONLY address I have is XXXX XXXX XXXX XXXX, Ms. XXXX ), I DO NOT HAVE ANY EMPLOYER. I contacted XXXX XXXX XXXX XXXX to get an understanding of where the inquiries came from, and the company stated that they did not find anything in their database.
Consumer complaint received 2023-02-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK (CA)

XXXX XXXX I entered into an agreement with FDR ( Freedom Debt Relief ) for 48 months they would withdraw {$760.00} per month to pay off XXXX ( XXXX ) loans/revolving accounts. They began the withdraw XXXX XXXX and according to them accounts would have to be delinquent so that they could negotiate a repayment balance. The XXXX ( XXXX ) accounts were current up to XXXX XXXX. I ran out of funds from a retirement account to continue to pay them on time. FDR assured me that most companies would welcome a structured repayment after delinquency. The funds of {$760.00} per month were withdrawn on the 5th of the month. In XX/XX/XXXX XXXX stopped my income for discrepancies in prior years income. The Appeal/reconsideration was complete and XXXX began again effective XXXX XXXX. I received a revised deposit modification from FDR in XXXX that the program would require me to make the {$760.00} deposit/payment until XXXX XXXX which is 10 months longer than the original agreement. The extended period was because deposits/payments were not made as scheduled. The only two months I could not pay was XXXX and XXXX XXXXI had FDR 's bank XXXXXXXX XXXX  withdraw the equivalent of what was owed to them {$4000.00} XXXX XXXX which would complete 48 months of payments I refuse to give them over {$7600.00} through XXXX XXXX as this would be a financial hardship. I have a job in sales but my paychecks are based on my ability to generate real estate loans. I anticipate that my first paycheck this year will be in late XXXX or XXXX. I do not have resources to continue this additional schedule. I have met my obligation to FDR.I want to discontinue the program immediately due to the additional funds they claim are required.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (TX)

I do not give permission to Experian to place the inquiry for XXXX on XX/XX/2023 and and asked them to remove their credit inquiry from my credit profile. I also asked them to ease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$10000.00} ; XXXX  XXXX Balance {$390.00} ; XXXX  XXXX XXXX XXXX Balance {$0.00}.
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CO)

While flying on Frontier Airlines the flight attendants shared a promotional offer for Frontier Airlines XXXX XXXX. I received a brochure with the inflight promotional code. On XX/XX/23 I went to applyfrontiercard.com, this website is something different. Its a fake site. So, I went to XXXX Frontier website to apply for the credit card. The application did not ask for any promotional code. I applied for the credit card and was approved. The promotional offer was different than what I thought I was signing up for. I contacted customer service immediately via their messaging platform on XX/XX/23. On XX/XX/23 I called customer service twice at XXXX and XXXX, informing them about the faulty web address and requesting that they change the promotional offer. I spoke with three representatives that werent able to add/change the promotional offer despite sharing the scenario and providing them with the inflight promotional code. The promotional offer associated with my account is earn XXXX bonus miles after spending {$1000.00} within the first 90 days. 

I would like for the promotional offer that I signed up for to be honored which is earn XXXX bonus miles with first purchase within the first 90 days of account opening and earn XXXX additional bonus miles as a first time applicant when a valid inflight application is submitted. 

In addition the fraudulent web address needs to be investigated.
Consumer complaint received 2024-01-17
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. (MS)

I have filed an FTC report due to identity theft and fraudulent information. I noticed on my credit report that there are 2 hard inquiries from XXXX XXXX on XX/XX/year>, name, address, and employer that I do not recognize. The accounts are completely fraudulent and have never belonged to me. The accounts are XXXX XXXX XXXX XXXX that is listed twice, XXXX XXXX XXXX ( The ONLY name I have is XXXX XXXX ), XXXX XXXX XXXX XXXX Ms XXXX ( The ONLY address I have is XXXX XXXX XXXX XXXX, Ms. XXXX ), I DO NOT HAVE ANY EMPLOYER. I contacted XXXX XXXX XXXX XXXX to get an understanding of where the inquiries came from, and the company stated that they did not find anything in their database.
Consumer complaint received 2023-02-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc. (WV)

I received a communication from XXXX XXXX XXXX XXXX with reference : XXXX. I submitted a letter on XX/XX/2023 questioning the validity of this debt. I sent this letter via certified USPS mail tracker number : XXXX on XX/XX/2023. I have received no correspondence in return from the debt collector as of this date.