davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are unauthorized and the following personal information were inaccurate and needs to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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 Equifax Credit bureau stated my account was properly investigated and accurate but how is that possible if the Date Open is inaccurate, Last reported is inaccurate, Date of Last Activity is inaccurate, missing data and in some cases a Charge-off reporting a balance. Are they not practicing Metro 2 Compliance? This is a clear FCRA violation and is grounds for deletion. 
They are not 100 % accurate, for the past 3 years I have asked several times to provide the information below and they refuse. The law states they have 30 days to respond not years!!! 
1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and XXXX XXXX ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow the collections to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Consumer complaint received 2018-11-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have made several attempts to resolve a account with Bank of America which they have been unhelpful. The closed my account without notice for fraud and I had no idea I was a new customer and a service member I was unable to get funds back from direct deposit or open another accounts due to false reports this has affected my reports with other banks.
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (CT)

I have a XXXX branded credit card with Comenity ( Bread XXXX ). For almost XXXX weeks now, you can not login and can not call them to make payments. Sometimes their easy pay system works to pay bills, which I think I did successfully. 

My issue now is that I can't call to cancel the card. They hang up the phones instantly. Their XXXX support says to call but it does not work. Many can not use their cards or even report a stolen card or fraud. 

This company has been extremely negligent and poses a huge security concern to many Americans. They need to be investigated.
Consumer complaint received 2022-07-12
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. (RI)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX has violated my rights. This account is not my account nor was I the primary. I was only added as an authorized user to this account. I was removed from this account as an authorized user. The account does not belong to me and has been inaccurately reported to my credit report.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion has been contacted numerous times about fraudulent inquiries and the unverifiable information. Inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all fraudulent and unverifiable and have asked to be removed per FCRA guidelines under fraudulent.
Consumer complaint received 2022-07-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I would like to request Experian 's method of verification regarding certain accounts that I know to be inaccurate on my consumer report. Experian continues to verify these inaccurate accounts and I am now demanding to know how investigators arrived at this erroneous conclusion. I would like a complete list of all documents and correspondence with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please include all names and contact information of employees that Experian spoke with as part of the investigation. All previous letters that I sent in challenging these erroneous accounts will be attached to this complaint. I would like a complete investigative report, which is obtained through personal interviews with neighbors, friends, associates, or with whom I am acquainted or who may have knowledge concerning any such items of information.
Consumer complaint received 2022-06-18
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: PNC Bank N.A. (IL)

The PNC Bank and affiliated credit cards services failed to provide me with the amount due under the promotional offer for their Cash Reward Credit Card to which I subscribed in XXXX of XXXX. 

I complied with the requirement of making above {$1000.00} in purchase per statement for the 3 first billing statements after opening my account. 
Such compliance was verified in Bank branch and on the phone with a credit card representative. 

The payment of the {$200.00} promotional reward offer should have been made on XX/XX/XXXX, after completion of the offer. 

Seeing nothing on my account, I decided in XXXX of this year to check in branch what was happening. There we called the credit card services who said on speaker that the amount should be credited on my XXXX bank statement. 
In XXXX, seeing nothing on my account, I went to the bank branch again, and there they told me that some delay were present, and I should wait until XXXX. 
Then my XXXX statement came, and still nothing. I decided to file a complain with the credit card department, who reached to me earlier this week, and told me that it should appear exactly on XX/XX/XXXX. 

As of today, the promotion still was never credited on my account, and I spent more than XXXX dollars for nothing, as I did rely on the credit card offer to open my account.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (GA)

I, XXXXXXXX XXXX XXXXXXXX, consumer, and natural person, I am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 

CITI CARD CBNA you have continually furnished a misleading, incorrect information to the credit reporting agencies this has violated my federally protected consumer rights to fair and accurate credit reporting under 15 U.S.Code 1681 ( a ) ( 1 ). 

Further to the above violation CITI CARD CBNA you are reporting a PAID account as Collection/Charge-off and from the definition of a Charge off account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off is To treat ( an account receivable ) as a loss or expense because payment is unlikely ; to treat as a bad debt. Furthermore from same Dictionary ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX a Bad Debt is an uncollectible, debt and that may be deductible for tax purposes.

This is a notice to CEASE and DESIST. This is misleading and it is affecting my ability to get approved for loan, Mortgage and Credit Card to better my life and family life. It has made me XXXX. 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist furnishing/reporting to all consumer reporting agencies of the charge-off account that you have already profited from by using as Tax Credit.

Remove reporting of the charge-off account from all consumer reporting agencies.

Provide acknowledgment of this official notification. Do not report ANY information bearing my identification again.

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.
Consumer complaint received 2018-11-14
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. (FL)

XXXX XXXX XXXX XXXX XXXX The logo in the upper left corner of that webpage is EXPERIAN. 

That website reported a very brief online " credit report '' that was virtually nothing. The credit report had nothing on it. Being nothing except emptiness, they want to call it a " credit report ''. 

What was on it was weird variations of my name. My name is a first name and a last name. My own legal name was not the name on my credit report. I don't have other names that I use, whether social or legal or in another language. They had wrong last names and wrong first names, on my credit report. 

Experian has other people 's names on my credit report. Experian uses made-up variations of my name, on my credit report.
Consumer complaint received 2022-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (FL)

Williams and Fudge called to ask about student loans of someone who has the same first and last name as me in XXXX. I said it wasnt me ( we have different middle names and social security numbers ). They started calling me again in XXXX XXXX  I called their main office and said it is not me ( again ) and they said they made a note of it. They called my workplace again on XX/XX/2022. They keep calling my workplace for debt that is not mine. I have repeatedly told them I have a different social security number and middle name. In fact I have never had student loans. I have checked my credit report and there is no loans. They gave me the last 4 digits of the social security number of the XXXX XXXX with the loans and they do not match my social security number. I need them to stop harassing me at work.
Consumer complaint received 2022-07-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

First and foremost, these accounts are hindering me from obtaining my veteran home loan because it appears I still owe the government, when in fact, I dont. I've made several attempts to dispute the XXXX accounts and the inaccurate information that's being placed on my credit report. The accounts with XXXX are still reporting as 120 days late, but like I've stated and disputed before, these accounts are closed paid accounts with a XXXX balance. The accounts are CLOSED, and they are PAID OFF, and they have a XXXX balance. So how I can be 120 days late under those circumstances. Furthermore, how can I be 120 days late, if I was never 30, 60, and 90 days late, which is clearly shown in the two year payment history section of my credit report. And in response to my last dispute, the credit bureau stated that these accounts were properly investigated, but how can that be if they're still reporting clear and factual inaccurate information. Surely this is grounds for removal. Even more, i feel my rights have been violated under 15 U.S.C 1681s-2 ( A ) ( 1 ) which 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. And I have proven that. I've attached clear and undisputable proof to back up my claim.
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. (SC)

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 

XXXX XXXXXXXX Original creditor : Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$120.00} Original balance {$120.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments No Comments Statements No Statements Contact info Name XXXX XXXX Address XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-07-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Transunion Credit bureau stated my account was properly investigated and accurate but how is that possible if the Date Open is inaccurate, Last reported is inaccurate, Date of Last Activity is inaccurate, missing data and in some cases a Charge-off reporting a balance. Are they not practicing Metro 2 Compliance? This is a clear FCRA violation and is grounds for deletion. 
They are not 100 % accurate, for the past XXXX years I have asked several times to provide the information below and they refuse. The law states they have 30 days to respond not years!!! Transunion has committed FCRA violations such as taking longer than 30 days to provide accurate response, Violated proper debt dispute procedures, Privacy violations, Withholding notices and Furnishing and Reporting inaccurate information. 
1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide XXXX  and credit insurance ; 3. Provide original signed contracts with me and XXXX XXXX ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow the collections to continue to pursue this debt in XXXX  ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
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: First Advantage LNS Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 Attn : CFBP I, XXXX XXXX XXXX XXXX, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX, XXXX XXXX XXXX, P.A Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

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

Delete this account immediately, unless you want to be held {$1000.00} per violation. 
2. Account Name XXXX XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX Account XXXX : XXXX XXXX XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

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

Delete this account immediately, unless you want to be held {$1000.00} per violation 4. 4 Account Name : NCAC Account Number : FILE # XXXX XXXX u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account DPT EDXXXX # 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 2017-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WV)

On XXXX XXXX, I placed a payment of {$100.00} on my account with XXXX, which was over the minimum amount due on an account with the balance of {$3200.00}. On XXXX XXXX, I posted a second payment for the rest of the balance due of {$3100.00} that was the balance on the account on that date. On XXXX XXXX, after there was {$0.00} balance on my account, I was charged interest in the amount of {$44.00}, with that amount due during my next billing cycle. This was also after I had ONE late payment ( the only one in my credit history ) with XXXX, and they instituted a penalty rate on my card AND decreased my credit limit to make it appear that my card was maxed out, without notifying me, several months after the late payment occurred. This ended up hurting my credit score, when I otherwise had excellent credit and payment history.
Consumer complaint received 2018-11-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have written several letters, sent emails, and called. I am trying to settle two accounts I had with Bank of America, and they are refusing to give me a settlement offer. One account was overdrawn {$480.00} and another account {$590.00}. I don't have the money to pay these in full, and really don't feel like I should have to because Bank of America did not receive any principal loss, and the money they are asking for is for overdraft fees, not actually money that I spent. I am willing to try and come to some type of agreement and pay money a settlement for these fees. The last time I filed a complaint the response verbiage was rude and I was not trying to open a new account. I am fine that do not ever want to have a banking relationship with me ever again. All I am asking is to settle these accounts and move on. I have been working on paying my past debts and people make mistakes. I have to wait seven years anyway to get these items off my XXXX XXXX and XXXX even if I paid them in full they would still be reporting it. All I am asking for is a settlement.
Consumer complaint received 2018-11-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service (FL)

Upon the termination of my XXXX enlistment on XX/XX/XXXX, Army & Air Force Exchange Service, which is a government debt has been collecting for almost 11 years now. From XX/XX/XXXX to XX/XX/XXXX, this was garnished from my XXXX payments. Prior to this I was make payments. After a year later due to lower income that excepted. XXXX XXXX or XXXX, submitted a garnishment of wages at a tune of {$210.00} a paycheck. The garnishment paperwork was sent in XX/XX/XXXX, but not received until after the 30 days due to relocating. New lease started on XX/XX/XXXX. This can be provided. Email from U.S. Postal Service can be provided to show date of change of address. Garnishment commenced on XX/XX/XXXX. I did try to resolve this, with no avail. This debt is over the statue of limitations for a government debt and should be discharged and removed from credit report. 

Thank you
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite numerous attempts, I have been unsuccessful in resolving the presence of fraudulent inquiries on my consumer report. These inquiries are entirely unrelated to me, and I bear no responsibility for them. Their inclusion has inflicted considerable mental and financial strain. As a victim of identity theft, I am left with no choice but to contemplate legal recourse if this matter remains unresolved. These erroneous and deceptive entries on my consumer report have impeded my aspirations to purchase my ideal home and provide for my family 's needs, significantly impacting my financial stability. For your reference, I have enclosed a copy of the letter previously dispatched to the Federal Trade Commission ( FTC ), delineating this issue and seeking its resolution.