davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-26
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)

I was a victim of identity theft and provided Experian with everything they asked for and the fraudulant accounts were deleted from my credit file on XX/XX/XXXX. Then i get a letter in the mail on XX/XX/XXXX stated that the accounts were being reinserted due to the police report not being valid or unverifiable. So i contacted the XXXX Police Department and asked if Experian were to contact them directly could they verify that my report was valid and the lady said yes, no problem but they had not received a call from Experian regarding my report. I then called Experian back 5 minutes later and they kept giving me excuses because they lied about calling the XXXX Police Department. They keep reporting the accounts as being verified. I even called the original creditor about the accounts and they had the wrong birthdate and age.
Consumer complaint received 2024-02-27
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 inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : CHILDSUPPORT - XXXX
Consumer complaint received 2022-07-21
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: BARCLAYS BANK DELAWARE (TX)

2 hard regular Inquiries pulled on my report without my authorization. # 1 Barclays Bank Delaware on XX/XX/2022 # 2 XXXX on XX/XX/2022 for amounts unknown i obtained my report from XXXX reporting agency. reported these errors agent says I have to contact these companies to dispute these hard inquiries to obtain dos from them. or fill out FTC form for the same thing? I had to turn ON Fraud Alert and a Credit Freeze I dont have a account at either One of these companies!!
Consumer complaint received 2021-04-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-06-15
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. (AL)

XXXX XXXX XXXX XXXX-acct# XXXX  XXXX  XXXX  -acct# XXXX XXXX XXXX XXXX-acct# XXXX
Us dept of EDU/XXXX/XXXX-ACCT# XXXX  
* IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT #XXXX, XXXX, XXXX, & XXXX  HAS VIOLATED MY RIGHTS.

* 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY

*15 U.S.C 1681 SECTION 604A SECTION 2:IT ALSO STATES CONSUMER REPORTING AGENCY CANNOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2019-08-29
Product: Credit card or prepaid 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)

I applied for a Frontier Mastercard in the last week of XX/XX/2019. I had to call after booking my flight because I was denied in the web application and I knew that was a mistake since my FICO and credit score were both very high and I always pay my bills on time. I was approved when I called and subsequently called back to make sure i was getting the advertised promotion, XXXX bonus miles after a {$500.00} spend within the first 90 days. I spoke to XXXX in the customer service department that day, who confirmed I would be getting XXXX bonus miles, he also confirmed the annual fee of {$79.00} ( which is fine ) and the {$100.00} flight voucher every year when reaching a minimum spend ... It's funny because I was also entitled to the flight voucher within 30 days but my card didn't arrive in the mail before my flight to XXXX XXXX so I basically had to forfeit my {$100.00} .... Already an annoyance but technically not fraud. The customer service agent on I spoke to about my XXXX bonus miles WHEN I OPENED MY ACCOUNT had an identifier of " XXXX '' ( named XXXX ) and I spoke to him at XXXX MST on XX/XX/XXXX via telephone. I asked if he would send me any kind of confirmation of the XXXX promotion and he said there would be no need. Great. Well, the liars and thieves at BarclayCard only gave me XXXX miles and said that was the promotion at the time I applied when I called them yesterday ( XX/XX/XXXX ). LIES. I want them to review the phone call and HONOR what I was TOLD when I called. They refused to let me speak to a supervisor yesterday, hung up on me, and then responded to my online complaint that I don't know what I am talking about. But I demand a transcript of my call with XXXX if they are not going to honor what was discussed. The current promotion is actually XXXX miles so really they're just being cheapskates by not giving me the XXXX. I was supposed to have gotten my first flight for free too ( well, {$100.00} off ... ) but I'm not even complaining about THAT since I get the card in the mail before my first flight so I'm not worried about that ( since those terms were not met ), but I am only worried about the XXXX miles being basically stolen from me and Barclays lying over and over again about it. This is so wrong and I feel so cheated and it is ILLEGAL TO DO THIS.
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX Dear CFPB, In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX have violated my rights.

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

15 U.S.C 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

I didn't give permission to these accounts to publish my information to XXXX, Experian and XXXX. 

The accounts are below : XXXX XXXX XXXX Account number : XXXX XXXX XXXX : Account number : XXXX Account number : XXXX XXXX XXXX : Account number : XXXX Thank you,
Consumer complaint received 2022-06-15
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. (PA)

I sent a method of verification letter to Transunion on XX/XX/22 for a collection account that has been on my credit report and is inaccurate. I requested they verify how this collection is mine. The collection is showing under a company called : XXXX. The claim they were able to verify this account as accurate, but that is false. 

I also sent Transunion a dispute letter on XX/XX/22 for two accounts showing on my credit report that are also inaccurate. The two companies on the dispute letter are : 1. XXXX XXXX XXXX and 2. THE XXXX  XXXX XXXX  XXXX XXXX I have included those letters with my complaint. 

In addition, I am including a copy of my most recent XXXX report that is dated XX/XX/22. You will see no collection is reported, and no collection account has ever been reported. I also dont own any account with XXXX  XXXX XXXX or THE XXXX XXXX XXXX XXXX XXXX, nor have I ever owned accounts with those companies.
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I thought I was signing up ( log on ID ) for a free online credit score, and that providing my credit card number was just a requirement for them to access my credit. Nowhere on the sign up page did it mention a {$24.00} recurring charge. In fact, I clicked on the button that said free report, not the premium service. 

I checked my bank account this morning and there was a charge. I canceled it immediately, and tried to have the initial charge reversed by calling them, but I was put on hold for an inordinate amount of time. 

This feels like a deceptive practice. In no way shape or form would I have agreed to a $ XXXX/month charge for this service.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Pursuant to the FCRA, the following accounts listed below are in violation of my rights. 

XXXX Acct # XXXX XXXX  XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX/XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX  XXXX  Acct # XXXX XXXX  Acct # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy and I'm invoking that right. 15 U.S.C 1681 section 604 A also states a consumer reporting agency can not furnish an account without my written instructions. Since I know instructions were not given then this is now considered fraud. I am requesting the deletion of all accounts listed above.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Ally shows two 30 days missing paying on a car loan, one in XXXX and the other in XXXX. 
XXXX only has 28 days and 29 on each leap year. 
Ally shows payments in XXXX and XXXX as being paid as agreed. How did XXXX account for 30 days in the month of XXXX? 

If this was a computer error and automatically generated it should be corrected.
Consumer complaint received 2022-06-15
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. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (AZ)

1 ) My legal name is XXXX XXXX XXXX There are other XXXX XXXX ' XXXX XXXX to whom the criminal  records must belong 2 ) The criminal records are being 'red-flagged ' to my employer as XXXX
Consumer complaint received 2022-06-15
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 # 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 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Transunion ( TU ) refuses to accept complete/comprehensive disputes on XXXX alleged XXXX accounts. ( " Gold '' # XXXX and " Blue '' # XXXX ). 
1. The alleged accounts were charged off at the same time, XXXX XXXX, XXXX though XXXX, or, TU is concealing the date of the " Gold '' account willfully and purposefully. 
2. Therefore the TU " deletion drop off date ( s ) '' is, correctly XXXX/XXXX/XXXX. 
3. The FCRA indicates a seven year reporting period for alleged debts. 
4. Yet TU shows a " deletion drop off date '' of XXXX XXXX, XXXX. 
5. TU is exceeding the " deletion drop off date '' by 8 months. 
I have challenged TU and XXXX to produce evidence of these alleged debts which contradicts these facts and they have refused to supply such documentation. Therefore, in compliance with the FCRA regulations I DEMAND both parties supply documentation ( etc. ) in support of their position ( s ). 
To show the disingenuous nature of the parties involved I attach a comparison of the wide variety of deletion dates for these accounts by the XXXX major Credit Reporting Agencies who all assert they have " checked with '' XXXX to determine the " facts ''. 
I continue to assert these alleged debts are only reportable, as collectable, for a period of 6 years per Colorado statute ( authority previously provided ) which is being willfully and purposefully violated by the false representations on my credit report - which in itself, is a violation of the FCRA. ( This is a separate dispute which now moves to litigation. )
Consumer complaint received 2022-08-25
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. (IN)

n accordance with the Fair Credit Reporting act Credit Inquiries : 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 XXXXXXXX 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 2022-07-21
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: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX Dear CFPB, In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX have violated my rights.

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

15 U.S.C 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 
I didn't give permission to these accounts to publish my information to XXXX, XXXX and Equifax. 

The accounts are below : XXXX XXXX XXXX Account number : XXXX XXXX XXXX : Account number : XXXX Account number : XXXX XXXX XXXX : Account number : XXXX Thank you,
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The information in my personal info is incorrect. 

I do not reside at address " XXXX XXXX XXXX XXXX, NJ XXXX. '' I do not reside at address " XXXX XXXX XXXX XXXX, NY XXXX. 

I do not reside at address " XXXX XXXX XXXX XXXX, NY XXXX '' I do not reside at address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

I do not reside at address at XXXX XXXX XXXX XXXX XXXX FL XXXX. 

I do not reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

I would like for all of these addresses to be removed from my credit report. I have no ties or affiliations to either one of them. Furthermore, I do not reside at either address.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

The information in my personal info is incorrect. 

I do not reside at address " XXXX XXXX XXXX XXXX, NJ XXXX. '' I do not reside at address " XXXX XXXX XXXX XXXX, NY XXXX. 

I do not reside at address " XXXX XXXX XXXX XXXX, NY XXXX '' I do not reside at address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

I do not reside at address at XXXX XXXX XXXX XXXX XXXX FL XXXX. 

I do not reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

I would like for all of these addresses to be removed from my credit report. I have no ties or affiliations to either one of them. Furthermore, I do not reside at either address.
Consumer complaint received 2020-07-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing might have violated federal law by giving me a monthly payment I can not afford. I am a retired senior citizen. My only income is retirement. Specialized Loan Servicing has all my financials. Specialized Loan Servicing knows my total monthly income. Specialized Loan Servicing proposed a loan modification payment. Specialized Loan Servicing proposed a monthly payment that I clearly can not pay. After I defaulted on the first payment, Specialized Loan Servicing is trying to take away my house. Please Help!
Consumer complaint received 2024-02-27
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)

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.

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 2022-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

I was never late with a payment for the furniture I purchased at Ashley Furniture. The Ashley Furniture credit card is now being run by Synchrony. It has been paid off for several years now as well. I have a decent credit score ( around XXXX ) and I know they accept people as low as a XXXX score. This was in their letter : " Scores range from a low of XXXX to a high of XXXX ''. 

There was no reasonable reason for them to close my account! I have been building my credit up and this is definitely going to affect my credit score! It is totally unfair and unacceptable for a credit card company to do this - I don't understand, please help me.

I called them and told them the same story. I even spoke with a manager and she said there was NO way they could " undo '' the closing. 

Please read the attached letter that Synchrony sent me via email. 

I recently had a derogatory mark from my mortgage lender, however it was straightened out AND I only have one mortgage which I have paid EVERY month. I just can't understand how they can just " CLOSE '' my account when I have decent credit scores and they will open up an account for someone with a XXXX score. WHY AM I A GREATER RISK FOR NOT MAKING A PAYMENT WHEN I HAVEN'T HAD A BALANCE IN AT LEAST 2 YEARS. 

Thank you, in advance, for any help.
Consumer complaint received 2022-08-25
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. (MD)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-15
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. (NY)

In accordance with the fair credit Reporting act XXXX Account # 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 a account without my written instructions.

15 USC 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.