davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

n accordance with the Fair Credit Reporting act 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  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 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX failed to send me verification of a collection agency according to section 609 of the FDCPA. I want them to obey the law and remove the item ( XXXX XXXX XXXX ). 

According to Disclosures to consumers [ 15 U.S.C. 1681g XXXX is in violation of said section. 

If they can't produce any/all evidence of collection agency, they must remove it from my file.
Consumer complaint received 2022-05-18
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. (WV)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$14000.00} ), XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$7100.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$5500.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-05-18
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 XXXX XXXX Account ending in XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

In XX/XX/2018 I closed my account with XXXX XXXX XXXX cell phone service and went with a different company after my contract was up. I never received a final bill, email, or simple phone call. Almost an entire year later I received a random letter via USPS from **XXXX XXXX ( acct number XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX** stating I owed a {$290.00} for a cellphone device balance, not even for my service. The day I received the bill I immediately called and paid the balance over the phone with a respresentative by visa in full. I kept questioning her asking why I never had any knowledge of this before collections, but she avoided the conversation. Since I have NEVER been late with any bills and I " had '' a credit score of over 800 I wanted this negative action immediately off my record. Little did I know that this would remain on my credit report and negatively impact my score. Had I known ... .I would have disputed this entire bill because I had no knowledge of it. thank you in advance for your help -XXXX XXXX
Consumer complaint received 2023-12-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MA)

I disputed my phone bill debt with XXXX XXXX for XXXX XXXX i spoke to someone on the phone with jefferson capital systems XXXX XXXX XXXX XXXX XXXX, MN XXXX about a debt from XX/XX/2018 but she resolved it over the phone & on credit karma its not showing but on other bureaus it is.
Consumer complaint received 2022-05-18
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)

n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-05-14
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2022-05-14
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. (CA)

In accordance with the Fair Credit Reporting act 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 with my written instructions.
Consumer complaint received 2022-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (NJ)

This issue concerns my PayPal Extras MasterCard which is serviced by Synchrony Bank. 

On XX/XX/22 I called Synchrony Bank customer service to question a charge for XXXX that was applied to my account on or around XX/XX/22 I was told that someone claiming to be me had called to request a refund check in the amount XXXX and that request was approved I advised the agent that this was a fraudulent transactions and I have never made such as request During this XX/XX/22 call I was advised by a customer service supervisor that I would receive a credit to my account in the amount of XXXX within 2-3 weeks I did not received such a credits in 2-3 weeks as promised nor have received any such credit since I found out later that said check was mailed to a an address in XXXX XXXX XXXX, FL which is an address that I have never used nor was it ever associated with my Synchrony Bank credit card account I also found out later that the check that Synchrony Bank issued to the fraudulent actor was cashed on XX/XX/22, which was 4 days after I initially called their error to their attention I have made many calls to Synchrony Bank customer service in the interim to document my case and to request corrective action I have also sent 2 separate letters via USPS to the customer service address printed on my statements I still have not gotten the relief I was promised and I have been incurring interest and fees while my dispute has been ongoing. 
My experience with Synchrony Bank customer service during this dispute has include many long hold times, disconnected calls and broken promised by those who claim to be customer service supervisors. This poor responsiveness from customer service was on top of their inadequate fraud detection and response process which resulted in my becoming a victim of this incorrect charge to my account in the first place.
Consumer complaint received 2022-10-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2019-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IN)

Received a telephone call from Convergent Outsourcing, allegedly from a " XXXX '' area code number, at XXXX XXXX   on XXXX XX/XX/2019 asking for a person I don't know, has never lived with me, and to my knowledge has never had the telephone number I've had for years now. It's obvious to me they do XXXX diligence to ensure they're calling the right person - which is easy to do on a computer connected to the Internet in about 5 minutes. They don't care who they call and harass, including the innocent who have no debt. This is unconscionable and despicable. Until they feel the financial pain of engaging in such reprehensible and nefarious behavior, they will not cease.
Consumer complaint received 2022-05-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (MD)

Dear there, I opened an US bank checking account online in XX/XX/2022 and with opening promotion of {$500.00} if I made direct deposit of XXXX dollars within XXXX and login online account. I called US customer service several times in XXXX and they all told me I qualified the requirements and should receive the {$500.00} soon. Then I called again inXXXX XXXX  and one representative told me I was not qualified because of where I live. I called in another time and was transferred many times to different departments and nobody can find the location restriction of the promotion. Later they gave me another reason that is the bank account is a A state farm and US bank alliance account but I applied with US bank and they accepted the promotion mode. I think US bank deceived customers and I am total qualified for the promotion and they just dont want to make the payment. 

Best regards, XXXX XXXX
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

THE DISPUTED ACCOUNT AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THE ACCOUNT REMOVE OFF MY CREDIT FILE. THIS ACCOUNT IS A CLOSED ACCOUNT THAT IS REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2022-05-14
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. (MD)

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions
Consumer complaint received 2022-05-18
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. (MD)

in accordance with the Fair Credit Reporting act 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 Also hard inquires XXXX XXXX  XXXX Bank  Credit Cards XX/XX/XXXX XXXX XXXX XXXX  Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX  XXXX XXXX  Auto Dealers, Used XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  All Banks XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Bank  Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Bank  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX  XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2022-05-18
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. (WV)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4400.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2800.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2800.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.
Consumer complaint received 2019-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

I have made may attempts to get this XXXX XXXX XXXX XXXX  Account removed from my credit file. I have provided Equifax with FTC Theft report and Equifax have failed to remove this account from my credit file.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in accordance with the fair credit reporting act XXXX  account name XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX account name : XXXX XXXX XXXX # XXXX account name : XXXX XXXX XXXX Account name : XXXX # XXXX Account name : 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 account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contenting 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 then 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 2022-03-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have been dealing With Bank of America prepaid claims now for 2 months trying to get this fraud dispute taken care of I have called numerous times starting XX/XX/2022 and 2 to 3 times a week in XXXX. They just denied my claim again for he third time. I have sent police report and dispute letter and hardship this has costed me. I'm at A standstill because I don't know what else to do. My wallet was stolen out of the front seat of my car with the card envelope and a couple other cards. Please help me get this resolved
Consumer complaint received 2019-11-20
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. (CA)

i've sent the credit bureau XXXX  and transunion documentation and letters to update their inaccurate information. ive snet ftc reports dating back in XX/XX/2019 again in XXXX and XXXX they have fraudulent information reporting and all they do is say that the company has updated information without providing any documentation
Consumer complaint received 2022-05-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

On XXXX, I was aware that there was an unauthorized transaction on my checking account with Citibank. It was a {$5800.00} on-line outgoing wire transfer processed on XXXX. I reported this fraudulent transaction immediately to Citibanks customer service and fraud department I explained to the bank that it was a fraudulent transaction, as : 1. I never added the beneficiary ( XXXX XXXX ) to the payee list of my account, and I didnt know him at all. 
2. I never provide any information required to the bank to verify this on-line wire transfer.

3. During the past 10 years, I have only conducted 3 wire transfers ( not including this fraudulent one ) on this account. And I always went to the branch in person to conduct the wire transfer transactions with my personal ID After I reported this case, the bank gave me a case number and indicated that they would respond to me. Unfortunately, I have never received any response. I have called the bank many times and the answer was that the case was still pending. On XXXX, I contacted the fraud department again and I was told that my request of refund was denied. I asked the bank to send me a written response with the reasons of the denial, and until as of today, I have never received any written communication through mail or email from Citibank.
Consumer complaint received 2019-11-20
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: FIFTH THIRD FINANCIAL CORPORATION (IL)

At the beginning of XXXX of this year, I notice on my credit reports Fifth Third reportes my mortgage balance as {$110000.00} which is incorrect. I did a modification on my loan on 2010 XXXX XXXX had my loan and Fifth Third was the servicer of my loan. During the modification process I was told, XXXX of my loan was going to be discharge and I was no longer responsible for this amount. I was under the impression all of these year that the balance of my loan was XXXX. I have contacted Fifth Third Customer Service ( Mortgage Department ) and they haven't given me a correct information on this issue. I did request a copy of my loan modification and the paperwork doesn't have my initials nor my wife 's initials ( I am now divorce ) when they say, the XXXX was supposed to be deferred at the end of the loan. The paperwork that they sent me wasn't signed by me nor my wife at the time. I need for the Consumer Financial Protection Bureau to open an investigation about this issue, and provide me with the proof I need since so far, they haven't been able to do it. The 3 credit bureaus haven't been able to provide me with paperwork regarding this issue. I need to know where is a copy of my loan modification paperwork with my initials on each page.
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act, the accounts listed below indicate my federally protected consumer right to privacy and confidentiality under 15 USC 1681 have been violated. 

XXXX XXXX XXXX PA Opened XX/XX/XXXX {$340.00} XXXX Opened XX/XX/XXXX {$710.00} 15 U.S.C. 1681 Section 602 A - This states I have the right to privacy 15 U.S.C. 1681 Section 602 A Subsection 2 - Also states a consumer reporting agency can not furnish an account without my written consent. 

15 U.S.C. 1681 Section C Subsection A5 - States no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item of information, other then records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 Section S Subsection A1 - 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.