davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
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)

Im submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I have made a research on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My bankruptcy was discharged on XX/XX/19. XXXX and XXXX have updated this information to reflect, but Transunion still has not updated their information.
Consumer complaint received 2022-06-13
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  accounts with XXXX, and XXXX  has violated my rights. 

SEC. 4021. CREDIT PROTECTION DURING COVID19. 
Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC. ( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OLD NATIONAL BANCORP (CO)

XXXX XXXX XXXX  transferred my mortgage to Old National despite it not being opened as a servicing released mortgage. 

They then reported my mortgage as closed to the credit reporting agents, which reduced my score significantly and impacted my financial situation Furthermore, Old National is requiring payment on XX/XX/XXXX and still, as of XX/XX/XXXX, has sent no information on how to make those payments or set up autopay.
Consumer complaint received 2019-03-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: P.S.C., Inc (WA)

There is a debt on my credit report that not only does not belong to me, as I have never used those services, it is reported exactly two times on my credit report. The same debt which is not mine is reported twice. I tried to dispute this through XXXX XXXX, but have not received a response. I'm trying to qualify for a home mtg and can not until this is resolved. On XX/XX/2019 a debt for {$680.00} was reported two identical times on XXXX  and two identical times on XXXX. The collection agency is XXXX XXXX XXXX with the original creditor being XXXX XXXX XXXX XXXX. This is not my debt.
Consumer complaint received 2022-07-21
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. (CT)

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive been contacting Transunion for years about this XXXX XXXX  and XXXX account # XXXX that is listed on my credit report. The last time in particular was when I submitted a CFPB complaint on XX/XX/2022 regarding this account. I was told by Transunion that I would receive information in the mail. I would a notice that the account information has been verified as accurate, which is incorrect. The account information is completely inaccurate and Transunion refuses to properly verify the information in which they agave listed on my consumer report. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report showing inaccuracies. Ive advised this agency that the date of last activity is incorrect, this account updates monthly as CO as it should be, the past due amount has changed three times since this account has first charged off. How is this so if this is a dead account? Im asking for this account to be verified with the ORIGINAL COLLECTOR and that the ORIGINAL promissory note that I signed be sent to me along with Transunion correcting ALL of the inaccuracies on this account or delete this account completely due to this agencys inability to follow consumer laws.
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

USAA 's credit card department made an illegal withdrawal from my USAA checking account. This withdrawal overdrew my checking account, leading to an increase to the interest rate on my USAA credit card account balance. 

In XXXX of XXXX, USAAs credit card department notified me of an offer of 0 % APR until XX/XX/XXXX for transactions completed using its promotional checks, and each transaction using a promotional check incurred a {$75.00} fee. On XX/XX/XXXX, I had a XXXX dollar balance on my USAA credit card account, and I subsequently cashed a USAA credit card promotional check for {$17000.00}. After this check settled, my credit card balanced increased from XXXX dollars to {$17000.00}, which includes both the deposit amount and {$75.00} fee. This {$17000.00} balance had a 0 % APR until XX/XX/XXXX. Since that time, I stopped using my USAA card for any purchases or payments. 

On XX/XX/XXXX, I contacted USAAs credit card department to change my auto bill pay function to the minimum balance due, and the customer service agent informed me the change took effect immediately. On XX/XX/XXXX, USAAs credit card department made an unauthorized withdrawal from my checking account for {$17000.00} claiming a glitch in its auto pay system, and this withdrawal overdrew my checking account. The overdraw triggered a cash advance from my USAA credit card, and this cash advance from my credit card was at 10 % APR.

After many phone calls to USAA and approximately 8 hours + of exchange, both USAAs credit card department and checking department recognized the mistake and reversed the charges, restoring my credit card balance to {$15000.00}. However, USAAs credit card department has failed to correctly restore the 0 % promotional APR to my account, and it is still billing me for cash advance interest charges. I have spoken to its customer service repeatedly, and I have not been given a clear answer if and when this problem will be fixed. 

I have concerns that this may be systemic fraudulent activity by USAAs credit card department. I have professional experience as an auditor, and Im currently working on my CPA. I believe my background and experience have allowed me to recognize USAA 's bad behavior. However, Im concerned USAA may be cheating those inexperienced with finance by wrongfully increasing APRs on credit card accounts.
Consumer complaint received 2019-03-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Phoenix Recovery Group (TX)

Dear Sir/Madam, its about reporting a collection on account of XXXX XXXX. few of documents are attached here with for your ready reference. 

i was resident of one of the apartment in XXXX XXXX. when i got the apartment, the price etc. was different & when they started billing me, that got changed. 

i was having a complaint of over charging, i talked to management & there was no resolve. 

on my regular follow up & arguments, Management had asked me to vacate the apartment & few days latter i got a eviction notice. 

i was asked to vacate that house means who brake the lease, not me but the management. 

i asked them to share the details of, XXXX Billing ( Normally XXXX  Charge Trash in their Bills ) Management  is charging is separate. 
Water Billing Trash etc. 

they dont have any supporting documents to support the billed amounts. 
its very high if you compare with other apartments. 

when i vacate the house, they had reported the XXXX XXXX on my credit. 
i already had spoked with XXXX XXXX, no response, XXXX XXXX Name : The Phoenix Recovery Group XXXX-office XXXX-fax XXXX if you review the attached bills, they charge it with no further details. 
XXXX SWAS Trash these bills must have separate supports. 
i was asked to vacate the house, who break the lease. its no me. 

Pls. help to resolve the issue & make sure management is not charging this to all residents. 

Best Regards,
Consumer complaint received 2024-01-25
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope this letter finds you well. I am writing to bring to your attention a fraudulent account, XXXX  XXXX, that has inaccurately appeared on my credit report. This inclusion is causing significant stress and negatively impacting my financial standing.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (CA)

I use XXXX prepaid card, my direct deposit was processed on XX/XX/18 by my employer however XXXX has not made the funds available to me. I called them and they had an eta of XXXX  on XX/XX/XXXX. Now I try to call and get placed on endless holds and then disconnected
Consumer complaint received 2022-07-21
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. (CT)

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-21
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. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$100000.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (IL)

I pulled my credit report and noticed that XXXX and Equifax were reporting a derogatory mark on my credit from XXXX XXXX XXXX. I sent a letter to XXXX and Equifax via certified mail ; disputing the validity of them posting this on my credit report and asked for verification that the debt was owed and that it was mine, as well as proving that I owed the debt from my wet signature and that all documentation be verified with my social security number, date of birth, address and phone number. XXXX wrote back saying they are unable to verify the information and that the information would be removed. It was removed from my XXXX report within 30days. Equifax simply responded by saying that the account was verified and that the amount was updated but the account would remain on my Equifax report. Per the FCRA, this is illegal reporting and is not considered verification of indebtedness by Federal or State statutes. We have been given specific instructions by our legal counsel, to file a complaint and send Equifax another Validation Letter before proceeding with a lawsuit. They have not been diligent in complying with the FCRA, Federal or State statutes and we seek to have the account removed immediately and an updated copy of the Equifax report mailed to my address.
Consumer complaint received 2022-06-13
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: NAVY FEDERAL CREDIT UNION (TX)

In Accordance to the fair credit reporting act Navy Federal account number 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 permission.

15 USC 1666 ( B ) : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

I have also discussed with the company my hardships due to covid-19 and we agreed on a plan and Navy Federal still reported my information improperly without my permission.
Consumer complaint received 2019-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (VA)

Midland Credit Management ( MCM ) keeps calling me about a debt that does not belong to me, but belongs to a person that put me down as a reference on a loan application 10 years ago. I've already told this company that I have not seen or had contact with this person for many years after he moved out of state and have no contact information for him. The person that owes the debt is not related to me. He is the son of a family that I used to go to church with. I've asked to be removed from their system, but they will not stop calling me. I get almost daily phone calls and even though I have blocked their phone numbers, they keep calling with a device that generates different phone numbers which may be illegal. They call me at all hours and have woken me from sleep. I have to silence my phone all the time to keep from being disturbed. I only have the name of the person that owes the debt. I have no account numbers or amount of the debt.
Consumer complaint received 2019-03-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (MO)

When I opened my checking account I did so with a promotion for new account holders to be given a {$200.00} credit in their checking account when direct deposit was established and my debit MasterCard was used ten times. I met the qualifications but the bank is refusing to honor the promotion. I have called the 1800 number and spoke in person with two different local branch managers and messaged BMO Harris on XXXX. Everyone I have spoken with has agreed that I met the qualifications for the account but have stayed that if the promotional credit was not already applied then it would not be.
Consumer complaint received 2018-10-10
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. (TX)

I've been denied credit because of this erroneous information, the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX were not paid late.. I monitor my bills and make sure to pay these accounts on time.
Consumer complaint received 2018-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (IN)

XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2017-09-17
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Partners Financial Services Inc (PA)

Trying to impose XXXX dollars in fees which is against fait debt collections practices act a serious violation and US Government Does nothing About this type of fraud I have tried numerous disputes with XXXX XXXX and have gotten on where Date of account opening XXXX XXXX 2015 that will have to checked also for accuracy PARTNERS FINANCIAL/XXXX XXXX XXXX XXXX, MO XXXX Somehow has added these fees and falsey reported it to XXXX as a collection account
Consumer complaint received 2022-06-13
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. (VA)

Upon further review of my credit report all of 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 XXXXXXXX has several violations. Ranging from incorrect open dates to incorrect information. This is ground for removal and 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc. (GA)

I pulled my credit report. I saw I had a collection from R.S. Clark and Associates. I sent a debt validation letter in XXXX asking them to see the contract as this debt was not mine. I asked the company to remove this from my credit report. I have called them several times and they are still " working on it ''.
Consumer complaint received 2022-07-21
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. (FL)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2021-11-21
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. (DC)

My student loans have been XXXX by XXXX XXXX Department of education XXXX They should say PAID/CLOSED AND XXXX ( XXXX ) BALANCE ON ALL XXXX CREDIT BUREAUS. SEE ATTACHED LETTER FROM XXXX DEPARTMENT OF EDUCATION AS XXXX!! XXXX EXPERIAN AND XXXX SHOULD ALL SAY PAID/CLOSED XXXX BALANCE EFFECTIVE XX/XX/2021.
Consumer complaint received 2020-12-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Comerica (MI)

i am being scam out of my benefits illegally by direct express and XXXX and when i call them they are still telling me the same lie that i were terminated in 2005 the same year the identity theft started and are now published on XXXX no. XXXX and XXXX as fraud. also, XX/XX/XXXX XXXX XX/XX/XXXXconfirm the fraud coming through the XXXX XXXX, me ssa office by an XXXX XXXX XXXX XXXX discover from an dental appeal with XXXX XX/XX/XXXX file XXXX and XXXX plan a, b, and d. also, irs advocacy group recently informed me that an appointed public official are committing fraud against me and abusing their power. i need direct express to explain where my benefits has been going since 2005 since odar employees are telling i got the money and still getting it now, a lie.they have ssi award approval letter.