davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2019-04-04
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. (WA)

I signed up for extra protection on my account. If anyone attempt to pull my information due to obtaining any credit, it needs to be verified through me with my phone number. I noticed after checking my credit report that there is still fraudulent inquiries on my report. My identity was in jeopardy about 3 years ago. Once my vehicle was vandalize and my property was stolen during my attendance of Sunday service back XXXX. I reported everything to local police. My personal information and expensive military equipment was taken. Ever-since XXXX, I've been having problems with my credit reporting. 

On my XXXX report there are 4 inquiries on my report that the representative refuse to open up investigation on. I call and get a disgruntle worker 90 % of the time. There is a new inquiry posted lately. Nobody called me to verify anything. Why opt into extra security when that doesn't even protect you. Please get this Credit reporting agency to do their jobs. 

XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion just posted XXXX XXXX XXXX, and they never offered me the free protection I was suppose to receive when my identity was jeopardize back in XXXX.
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Hi my name is XXXX XXXX ( XXXX internet usefname Ive been calling boa since XX/XX/XXXX regarding my frozen account today is XX/XX/XXXX nobody has given me any helpful information
Consumer complaint received 2019-04-04
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: JPMORGAN CHASE & CO. (CO)

Saw an offer on XXXX for a Visa card that would earn me a Companion Pass if I met the minimum spending ( MS ). That was on XX/XX/2019. ( you can see in the attached screen shot that I saved this to my PC on the XXXX ) I signed up. 
When I met the MS and did not receive the Pass, I inquired. 

XXXX directed me to Chase Bank, who said that the offer did not " open '' until XX/XX/XXXX. Nowhere on the ad was that stated ( it just said the offer was valid through XX/XX/XXXX ). 


They are refusing to honor the offer.
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX and Transunion are reporting an incorrect coding of the XXXX XXXX/XXXX partial account number XXXX. ( Please see pages 6 and 7 from the attached credit report. ) This account is being coded as an XXXX when actually this needs to be coded as an XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2018-11-16
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. (IL)

Chapter XXXX bankruptcy is invalidly reporting on credit bureaus have contact them to get it removed and all three major credit bureaus refuse to remove it. Along with bankruptcy the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are not my accounts they are on my report as a result from ID Theft ; credit agencies also have copy of police report and ID Theft Report # : XXXX.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX, Account name : # XXXX XXXX XXXX, Account name : # 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 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 2022-09-16
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'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be corrected. 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 corected immediately. 
XXXX & XXXX BANK XXXX XXXX : {$0.00} XXXX & XXXX BANK XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (CA)

I sent a debt validation letter to Progressive Management Systems on XX/XX/2022 in regards to an alleged medical debt. They responded a few days later with an alleged bill showing private medical procedures without my consent. Progressive management systems violated several of my consumer rights, including ( HIPAA ) And also failed to validate a debt at my request, Which is a FDCPA violation. Not only have they ignored my prior request for validation of debt but they continue to report this debt to the credit bureaus causing damage to my character. 

I responded to progressive management systems on XX/XX/2022 with a second letter asking them to remove the alleged debt due to several violations, in which they received on XX/XX/2022 certified mail. Pictures and receipts will be provided. In that letter I asked them to please stop reporting this debt due to failure to properly validate the debt, and because they violated HIPAA by sending private medical records. It's been over 30 days and they have yet to respond to me. 

*I will have all the documents attached to this complaint. Please view attached images*
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (VA)

JPMORGAN CHASE Slashed almost all of my limit on my FREEDOM card stated that a periodic review my my credit tempted them to take the action and even though i immediately paid off all my debt they wanted to make hard inquiries on my credit before making a a decision to reinstate
Consumer complaint received 2022-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NV)

Wrong person bankruptcy doesnt belong to me its not mine n accordance with The Fair Credit Reporting Act, US Bankruptcy XXXX Reference # XXXX has violated my rights. 15 US C 1681 Section 602 A states I have a right to privacy. 15 US 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 2022-09-07
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freedom Mortgage Company (CA)

In accordance with the fair credit reporting act Freedom mortgage 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's also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666 BA creditor may not treat a payment on a mortgage payment under any open and consumer credit plan as late for any purpose
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

XXXX  XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2022-07-15
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 BANK XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2019-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (IL)

I have been in contact with Statebridge Company, LLC every couple days beginning XX/XX/XXXX at which time I noticed Statebridge had not been sending my monthly mortgage account statements. I was making payments every month and they were receiving them. 
For the record, XXXX transferred my original mortgage ( XX/XX/XXXX ) to Statebridge in XX/XX/XXXX. I have never made a late payment and jumped through their hoops to provide condo and homeowners property insurance coverage on a timely annual basis. I had no choice as to why or whom XXXX transferred my mortgage. 
Ironically in XX/XX/XXXX I received an email from my Bank Bill Pay stating Statebridge declined my payment ( for XX/XX/XXXX ). I made a second ACH payment on XX/XX/XXXX, and when calling to confirm its receipt with Statebridge on XX/XX/XXXX I was told by the customer service agent, it too, was being declined. I then made another payment with hard copy check, hoping they would receive it before the late fees kicked in. 
To make a long story short I have provided Statebridge with copies of manual Check No. XXXX showing back and front cancellation ( Paid on XX/XX/XXXX ), as well as electronic payment ( Paid on XX/XX/XXXX ) with address status VALID and OFAC Status CLEARED, with Reversal Indicator Set to NO. 
Over the last month I have been playing a game of semantics with at least seven different customer service agents, each supplying their own version with derogatory and felonious information as to my account status. They tell me due to my discharged bankruptcy ( filed in XX/XX/XXXX and discharged in XX/XX/XXXX and DID NOT include Statebridge ), they do not have to provide any account information ( current or historical ) or send monthly statements. Because I needed the exact mortgage loan amount as of XX/XX/XXXX stating it was for my Federal taxes, all the sudden the CS agent who said he did not have access to that information, was able to see and provide me with the amount. 
I did finally receive a Loan History Transaction detail via email, indicating payment history up through XX/XX/XXXX and no data or payment information for the XX/XX/XXXX and XX/XX/XXXX payments was reflected ( it does show a XX/XX/XXXX payment and a credit ( {$170.00} ), but I am being told that I owe them {$790.00} due on XX/XX/XXXX. 
Now today, XX/XX/XXXX Statebridge returned my XX/XX/XXXX payment to my checking account. This puts me in a perilous position of being charged late fee, getting a bad credit rating, and further potentially force me to foreclosure. 
If you could please help me correct this situation, so Statebridge files and information are up to date, and I am provided with correct information I hard copy statement ( their website is of no use, I can not view my account or make payments ) that is a true reflection of my intention to regain a good credit status.
Consumer complaint received 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

The following credit inquiries are fraudulent, unauthorized, not mine and from the XXXX XXXX XXXX XXXX XXXX  XXXX  major data breach that occurred on XX/XX/2018 : XXXX  XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, XXXX, XX/XX/2018, and XXXX XXXX XXXX, XX/XX/2018.
Consumer complaint received 2022-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This company XXXX XXXX XXXX is reporting false inaccurate information on my credit file for {$1100.00}. 
A letter was sent and I've received no response in 90 days. In addition, a judge ordered a dismissal and this needs to be removed from my credit file.
Consumer complaint received 2019-04-04
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. (FL)

I recently submitted a request for investigation of several accounts which XXXX refused. I submitted enough information for them to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one. These creditors have stated when I have called them, that they have contacted your agency numerous times to have these accounts removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If the had investigated properly, rather than use their XXXX system, they would have known, that not only have ever been late on the XXXX ACCOUNT. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 


If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.
Consumer complaint received 2019-04-04
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. (FL)

I recently submitted a request for investigation of several accounts which XXXX refused. I submitted enough information for them to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one. These creditors have stated when I have called them, that they have contacted your agency numerous times to have these accounts removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If the had investigated properly, rather than use their XXXX system, they would have known, that not only have ever been late on the XXXX ACCOUNT. 

It is at this time that I will point out that in XXXX v TransUnion, XXXX v. XXXX ( XXXX  ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 


If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (TN)

New York and Company ( Commenity Bank ) has been charging me double finance charges each month. They are forcing me to close the account to keep from getting additional interest fees by paying the complete balance off in full. My total balance due is XXXX. I have made all payments on time with the exception of one payment 3-4 years ago.
Consumer complaint received 2019-04-04
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. (FL)

I recently submitted a request for investigation of several accounts which Experian refused. I submitted enough information for them to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one. These creditors have stated when I have called them, that they have contacted your agency numerous times to have these accounts removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If the had investigated properly, rather than use their XXXX system, they would have known, that not only have ever been late on the XXXX ACCOUNT. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX  system that does not even contain my reasons for the dispute is not reasonable. 


If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.