davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am writing to submit a formal complaint against TransUnion for recurrent technical issues that have effectively barred me from accessing my credit report online. My attempts to access my report on AnnualCreditReport.com and directly through TransUnion.com have been met with persistent technical errors. The screenshots attached herein evidence these failures. 

Despite repeated calls to TransUnion on XX/XX/year>, my problems remain unresolved. During my initial call aXXXX XXXX XXXX MST, I was uncomfortably solicited for my full social security number by a representative at an offshore call center. I was assured the issue would be addressed within an hour, but that promise was not kept. Subsequent calls at XXXXXXXX XXXX MST and XXXXXXXX XXXX MST yielded no tangible results, with the latter escalating to a supervisor who acknowledged a technical fault but offered no resolution. 

As of today, XX/XX/year>, my access remains unjustly restricted. TransUnion 's alternative of mailing hard copies is not only environmentally damaging but also impractical and belated, infringing on my ability to promptly and effectively dispute inaccuracies as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The Consumer Financial Protection Bureau ( CFPB ) upholds that consumer reporting agencies must maintain " reasonable procedures '' for public access to these reports, an obligation TransUnion is failing to meet. 

The difficulties I am enduring with TransUnion not only flout the FCRA but also undercut my consumer rights. I demand an expeditious and permanent solution to the online access issue, and a reassessment of TransUnion 's privacy protocols concerning sensitive personal information. 

I trust the CFPB will take my grievance seriously and ensure compliance with the applicable laws to protect consumer rights. 

I wish for somebody to review these monitored phone calls. I called form my phone number which is XXXX. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2019-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

I spoke with someone from XXXX comenity in XX/XX/XXXX by phone that I was not receiving my statements. She stated it was going to the incorrect email address and corrected the issue. At that time, I had a late fee so she credited the late fee for me. Again I am not receiving my notices and the email address provided is the correct email address that I am receiving all of my other comenity statements to make payment, such as the XXXX card. I contacted the bank yesterday to advise them that I am not receiving my statements causing me to incur late fees every month, although I make a payment possibly the day after every time. I inquired about having the funds automatically taken out each month so that I can avoid these late fees racking up on my account. They informed me that they do not offer that type of service and it is nothing they can do about the late fees. So, as of today, I believe I have two or three late fees on the account that are not really my doing and it is nothing they can do to prevent it. I just want some type of convenience or to have the late fees waived since there is nothing they can offer me to make sure I receive my statements by email on time or have payment automatically drafted. I spoke with my personal bank who can automatically send the payments for me but I do not want to have to pay the current late fees if that be the case.
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: American Credit Acceptance, LLC (GA)

I purchased a car XX/XX/XXXX, the finance company ( American Credit Acceptance ) haven't reported any of my payments to the credit bureaus. I've called and made all payments on time their response were they are backed up. The loan hasn't even been reported to the credit bureaus.
Consumer complaint received 2023-09-21
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

I visited the Comenity website to pay for my XXXX credit card balance. In order to make electronic payments the website is requiring me to consent to E-Sign and electronic statements to have access to pay my bill online. I do not wish to have electronic statements. This is a new card and I was not told in my disclosure that I could not pay my payments electronically without consenting to estatements. I will potentially have a late payment on my account because now I have to mail a check payment. I believe this is a UDAAP violation as e statements may cause late payments where cardholders will be charged fees they would not get otherwise. I also believe this could be a violation of Reg E, Reg Z and e-sign rules to combine these agreements and consent in one decision for the cardholder.
Consumer complaint received 2022-09-02
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)

XXXX XXXX ( dated open XX/XX/XXXX XXXX XXXX XXXX ( date open XX/XX/XXXX. 
These accounts are fraudulent as well as misleading considering I did not open these accounts nor am I aware who did. Furthermore I did not request to have these fraudulent and inaccurate items reporting on credit profile which violates 15 USC 1681 section 602a and 15 USC 1681 section 604a section 2. 

Ive contacted both parties and complied with their request. All necessary documents have been submitted on numerous occasions. Still the issue has not been resolved
Consumer complaint received 2023-01-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NY)

I have asked LVNV FUNDING LLC to validate the alleged debt that this person claim that I owe, and all this person have provided me are statements and signatures to an Alleged account that this person can not prove is mine. 
LVNV FUNDING LLC have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts.

LVNV FUNDING LLC failed to validate this alleged debt.

This Alleged debt is disputed in its entirety, Pursuant 12 CFR 1006.34 ( c ) Furthermore, LVNV FUNDING LLC does not have any jurisdiction or authority to even collect on this alleged debt.
Consumer complaint received 2022-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (WI)

Hello, I have on my credit report of {$800.00} owed on XX/XX/2021 through XXXX XXXX. 

Sequium Assest Solution has this in collection. When I attempted to call ( XXXX ) XXXX they stated they had my information for a service in Florida. 
I told them it was not me, I didn't have an account nor did I co-sign for anyone with for this. 
They were not co-operative. I have tried to resolve through XXXX and nothing.
Consumer complaint received 2022-03-07
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: EQUIFAX, INC. (NC)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2022-09-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE (GA)

Dear Consumer Financial Protection Bureau Representative, Today, XX/XX/2022, I received an alert from XXXX that Avante reported a negative item regarding an alleged debt. It is my understanding that : Under the Federal Trade Commission Consumer Law, A consumer must receive written notice ( known as a debt validation letter ) within five days of the collectors initial attempt to contact you. That notice must include the amount of the debt, the original creditor to whom the debt is owed and a statement of your right to dispute the debt. 

I would like to state I have no clue, who is Avante. I DID NOT receive any notification from Avante prior to the negative credit reporting of the alleged debt. 

My rights have been violated by Avante due to they did not notify me of this alleged debt nor allow me, as the consumer, the opportunity to gain knowledge, investigate, or dispute this item I am unaware of. I am seeking your assistance in immediately having Avante remove the negative reporting from the credit bureaus and discontinue any adverse and negative reporting on this item until the following are provided : I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgement ; 4. Documentation showing you are licensed to collect debts in GA. 

Upon receipt of any of requested information, I request 30 days to respond. Also, please ensure the creditor and the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Sincerely,
Consumer complaint received 2020-08-03
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. (SC)

I have Dispute this account with original creditor and they have response back stating they don't have an account in my name therefore unable to verify this account. However the credit bureaus XXXX XXXX and Equifax wont delete this unverified account. I have enclosed proof i don't have an account with XXXX XXXX
Consumer complaint received 2020-08-03
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)

XXXX potentially negative icon Potentially Negative StatusClosed. {$130.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$1000.00} Date OpenedXXXX Details XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$150.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$1200.00} Date OpenedXXXX Details XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$90.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$430.00} Date OpenedXXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY accounts and address are not mine
Consumer complaint received 2020-08-03
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. (SC)

I have Dispute this account with original creditor and they have response back stating they don't have an account in my name therefore unable to verify this account. However the credit bureaus Trans Union and XXXX   wont delete this unverified account. I have enclosed proof i don't have an account with XXXX XXXX
Consumer complaint received 2022-09-02
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. (TX)

On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidence as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2020-08-03
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. (WV)

I am a victim of identity theft and there is a resultant inquiry on my Experian credit report that I want to dispute. Experian indicates that an inquiry can only be disputed by phone not online - " Not disputable online '' The phone number listed XXXX however will never allow an option ( and I have been through most ) to speak to a real person or to address fraud or an incorrect credit report entry.
Consumer complaint received 2023-01-26
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: Credit Karma (IL)

The FTC ruled that Credit Karma was to pay users for falsely telling us we we eligible for credit cards then not receiving credit card offer. I did not receive my part of the settlement. For they screwed the XXXX out of me.
Consumer complaint received 2023-01-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc. (IL)

I called in today ( XX/XX/23 ) to pay a debt. The total on the bill states the total is {$320.00}. XXXX XXXX said the total was actually around {$320.00} and some odd cents. She said that there is a daily recurring interest, but that was not stated on the bill. She said that I owe {$320.00} and not {$320.00}. She was very rude when I asked if I paid online would I not be charged the {$2.00} plus. She said no and rudely hung up. I only paid {$320.00} online because I don't trust her to process my payment.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account 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 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 2023-07-23
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. (PA)

On XXXX an account was opened in my name from XXXX XXXX XXXX XXXX Original Creditor ) XXXX XXXX XXXX XXXX XXXX XXXX  with a open balance of {$640.00}. XXXX starting this claim to have this account disputed and removed from my credit.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

After providing feedback to Experian yesterday, I received an email notification from Experian indicating yet another intent to refuse to correct or remove inaccurate information from my credit file as outlined in the attachment to this complaint. 

My verifiable driver 's license and social security card has been provided to Experian on more than one occasion, including but not limited to an attachment to one of the complaints filed previously.

The numerous identity issues and inaccuracies have been brought to their attention in countless ways, including CFPB complaints which Experian does not take seriously either, and now they want to continue to claim, that multiple names not associated with me, don't affect my credit so they are not going to correct the information -as well, stating that they believe it is frivolous on my part to ask that this information be corrected.

I believe it is the full and willful intent of Experian to continue to alter my legal name and continue to financially and emotionally cause as much damage as they can.

It is now my intent to pursue all legal and criminal avenues available to me, against Experian due to the continued unwillingness to correct my credit report and to continue to play games.

The damage that they have caused is extensive and they are fully aware of this fact. 

Because they have yet again refused to follow the FCRA and have violated my rights, it is now time to make sure that the CFPB is aware of this latest attempt to cause me personal and financial harm.
Consumer complaint received 2019-02-07
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. (NJ)

XXXX XXXX XXXX did not protect my personal information, as a result the account was duplicated, stolen and charges exceeding the credit limit were made. Despite of talking to XXXX XXXX XXXX as well as with all major credit reporting agency, they continue to report delinquency and late payment on my credit report. I contacted all three major credit bureau and they removed the negative information, however this year they started to received and report negative information on the same account. 
I want all three credit bureau to stop and remove the negative information from my credit profile, this is affecting me in every aspect of my life and want the credit bureau to remove the lateness reported by XXXX XXXX XXXX.I am disputing the charges because i did not made them.
Consumer complaint received 2022-09-02
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. (AZ)

XXXX XXXX is fraudulently reporting on my consumer report without written consent ( signed contract ). XXXX XXXX provided a signed contract that is between XXXX XXXX and XXXX XXXX XXXX XXXX only, which has been settled. There is no signed contract between XXXX XXXX and XXXX XXXX XXXX XXXX Requesting that this information be removed from my consumer report immediately.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NC)

My score went down tremendously due to suffering identity theft. I have over 50 hard inquiries on my report from someone who was trying to utilize my name and information. I was told by the bureau to submit a complaint. I am desperately seeking help.
Consumer complaint received 2019-02-04
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: Experian Information Solutions Inc. (CA)

My child support payments come directly out of my check every month and has been for several years but the credit bureaus had been reporting late payments to my credit file dated back as far as XX/XX/2012 and this has hurt my credit.
Consumer complaint received 2019-01-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (NY)

I wrote to XXXX XXXX and requested a deference. Their email system is closed to me. Even though I have an account with them and they are my loan service company. I would like a deference and that my account be opened with a username and password. I have ended the service with XXXX XXXX and they no longer represented me in student loans repayment.
Consumer complaint received 2020-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Back in XXXX XXXX  suffered a major security breach that left millions of consumers at risk for identity theft. The information compromised in this breach included consumers names, addresses, phone numbers, social security numbers, date of birth, along with other personal information that is important to keep secure, however XXXX  did not do this for any of their consumers. As a result of my information being compromised, several accounts and unauthorized information has been placed on my credit file. 

I have contacted you several times in regards to this incorrect information being posted on my credit file, I have requested in three different letters that you provide me with proper validation ( 609 letter ) proving this information as legal and correct. Your company has refused to provide me with legal documentation proving this information to be true. Under the Fair Debt Collection Protection Act I am currently bringing this information forth to a judge here in XXXX XXXX Georgia, on Monday XX/XX/XXXX if this information is not removed from my credit file within 24 hours. 

Legally I should not and will not continue to suffer mentally while your company continues to report this false information to my credit file. I am distressed that you have continued to report this false information, while also not providing me with the proper paperwork ( 609 debt validation ) which I have requested several times from you.