davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-03-12
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. (CA)

I've sent letters in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with NO response or change to the inaccurate reporting.
Consumer complaint received 2018-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I called Equifax consumer services XXXX, XX/XX/XXXX to request a permanent security freeze lift since I was unable to do it online due to an error code ( NH ). The representative from Equifax stated they wound need additional documentation ( driver 's license and social security card ) to complete the process. I could fax XXXX or mail the documents. I faxed the documents XX/XX/2018. I called later that day and was informed it would take up to 48 hours to process. I called XX/XX/2018 and spoke to a representative and supervisor but the documents had not been uploaded. I called XX/XX/2018 and the documents were still unavailable. I was frustrated and puzzled that the security freeze I placed on my credit could not be lifted after answering the verification questions accurately and giving the PIN number. When I called XX/XX/2018, I spoke to a supervisor and she asked what fax number did I use. It was the fax number to the fraud department not the security freeze department. I believe that is a breach in itself for a representative from Equifax to give individuals the incorrect fax number. I faxed the documents again to XXXX. I had to pay {$5.00} and travel to public places to fax my personal information because I do not have a fax line at home and I work from home. This was an inconvenience. I called back XX/XX/2018 later in the evening and was told the documents had been received and uploaded and the freeze could be lifted after I correctly answered the security questions. I had to answer the security verification questions every time I called. After waiting on hold for 10 minutes the representative told me he was unable to lift the freeze but not to worry because he sent the request to another department that would be able to do it within the hour. I would receive notification in the mail in 5 business days. Has my credit freeze been lifted? I have no idea. Equifax is closed Saturday and Sunday so I can not call today. I am frustrated beyond belief that it would take 5 days to permanently lift a credit freeze and it may not still be lifted. I need to make a major purchase and need the freeze lifted ASAP.
Consumer complaint received 2018-10-27
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: HEARTLAND PAYMENT SYSTEMS INC (LA)

Information is incorrect. Never have gotten any loans or anything put into my name. Someone must have used my social security number. The only thing that is correct is the information from the XXXX hospital but I have Medicaid so there shouldn't be any payments i have to pay. My Medicaid should have taken care of that so that information is also false.
Consumer complaint received 2022-03-12
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: EQUIFAX, INC. (TX)

I ask all three credit bureaus XXXX/Equifax/XXXXn to remove the following accounts/inquiries due to identity theft. 
Accounts 1. XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX  XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8XXXX XXXX XXXX XXXX 1. XXXX XXXXl 2. XXXX XXXX. XXXX  4. XXXXt 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX 9. XXXX 10. XXXX XXXX 11. XXXX XXXX I have written multiple letters/ftc reports demand proof that accounts/inquiries were authorized by me. But so far, the three credit bureaus have not sent me proof of authorization of credit of my behalf but merely state that account have been verified without showing proof. I demand these fraud accounts be removed from all three credit bureaus reports of mine due identity theft.
Consumer complaint received 2020-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

My loan administrator, LoanCare NMLS # XXXX, is charging on a One-Time Draft Fee Schedule based upon timeliness of reception of monthly payments. Per the Loan Agreement that I signed upon the closing of my home, I am allotted a 15-day period following the due date to remit payment to the loan holder without penalty. There is no stipulation as to whether the loan holder can charge me fees based on how I remit payment ( whether that be one-time, or auto-drafted ). 

The fee schedule is as follows : On or before due date - No Fee 1-4 days after due date - No Fee 5-9 days after due date - {$5.00} 10-15 days after due date - {$10.00} I was not given an option to agree to this schedule when LoanCare purchased my Mortgage from XXXX XXXX XXXX , XXXX, NMLS # XXXX in Fall of 2019.
Consumer complaint received 2022-07-25
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: Resurgent Capital Services L.P. (AR)

I have been a victim of identity theft through a breach of personal information. Resurgent capital services bought my personal information from XXXX XXXXXXXX to manipulate me into paying them. I have never done business with Resurgent Capital Services and I first learned about this incident when they furnished fraudulent information on my consumer report. I have reached out by phone and now by mail to file a dispute to have the reporting removed but they refuse to start their investigation. It has now been two months since i first filed the dispute. They say that a police report and FTC identity theft report to proceed so i have sent them by mail.
Consumer complaint received 2018-10-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

My name is XXXX XXXX and I have been having difficulty opening an account with your bank for years. 
The account would open and then close shortly after opening. 
I do not have any difficulty opening an account with any other bank except Chase Bank. There is never any explanation for why the account can not remain open and this is very disheartening. I would love to have a Chase account since it is in the lobby of my place of employment and also across the street from my residence. Being a new mom, convenience is very important to me but also it makes me concerned that there may be some sort of identity theft as I have never had a Chase account. 

The lastest account number is XXXX.
Consumer complaint received 2017-06-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I have several late payments o. My credit report from navient dating back to XX/XX/XXXX. The rep told me it 's 6 months, however I had a payment agreement set up with navient. They would automatically take {$220.00} from my bank account every month. This payment arrangement was set up in XX/XX/XXXX. I ask rep how am I 6 months late payment when I had the payment agreement set up? She then told me it as partial payment. I was NEVER informed of this. I was told that my monthly payment will take care of my loans. These lates are extremely damaging to my credit. The CSR let me do a retroactive forbearance but it does not update the credit report. What navient has done to me is unfair. They took my money for 5 months and continued to report my account as late. I recently applied for a discharge of loans with them since I was recently d 's as XXXX XXXX. The CAR said if approved they still wo n't remove the lates from my report. Please help me. email XXXX cell XXXX
Consumer complaint received 2018-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have two checking accounts with Bank of America. On XX/XX/18 I checked my available balance on one of my accounts and it showed {$94.00}. On XX/XX/18, I noticed that my account was over by {$54.00}, so I immediately made a transfer from my second Bank of America account ( internal transfer ) and after reviewing the transactions, I noticed a overdraft fee in the amount of {$35.00} posted to my account on XX/XX/18, when my account still had an available balance of {$94.00}. I contacted Bank of America on XX/XX/18 and first spoke with XXXX in regards to the fee, and asked to speak with a manager to have that fee reversed, since there are transactions still in process and I should not be charged an overdraft fee in advance for transactions not completed and since I never signed for overdraft protection, any transaction that come to my account when there is no sufficient funds should be declined, but instead I am already being charged by Bank of America an overdraft fee for transactions not yet posted to my account. She did not transfer me to a manager or supervisor and started to give me an education session over the phone. I disconnected the call and called Bank of America again and was connected with a representative named XXXX, who said he is a manager in West Virginia. Mr. XXXX  refused to reverse the {$35.00} fee. All my transactions were made as credit and are still in pending status as of XX/XX/2018 and Bank of America already charged me a overdraft fee on XX/XX/2018.
Consumer complaint received 2017-06-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (AZ)

Frequent calling examples : XXXX midland credit Called sat XXXX at XXXX, XXXX, XXXX XXXX midland credit Called XXXX at XXXX, XXXX XXXX midland credit Called XXXX XXXX, XXXX ( verified myself ), called again at XXXX XXXX midland credit Called XXXX XXXX, XXXX ( verified myself ), called again XXXX This pattern has occurred frequently for over a year. <P/>This company also scheduled a post dated payment for a payment arrangement without my authorization after I had told them I did not want to post date any payment. They used the card information for the payment I made and authorized for that day and also scheduled a secondary post dated arrangement that I did not agree to and they attempted the withdraw funds from my account without my permission.
Consumer complaint received 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2017-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (OK)

On XXXX/XXXX/XXXX Debt Recovery Solutions , LLC sent what they claim is a second letter regarding a debt they claim I owe to XXXX in the amount of {$1900.00}. In their predatory letter they claim the debt is a " long outstanding obligation '', with a XXXX account opened on XXXX XXXX, XXXX. Not very long even if it were mine. Also the account was opened in XXXX, whereas I live in Oklahoma. I informed the predators that I have never had an account of any type with XXXX. My credit history also reflects that I 've never opened any account with XXXX XXXX because their services are questionable at best. I informed the predator 's representative, a XXXX XXXX, that refused to provide a real name, that I planned on investigating the matter. Said investigation will include a lawsuit. Apparently Debt Recovery Solutions , LLC is fairly familiar with being sued judging from the almost XXXX complaints on the Better Business Bureau website as well as the multiple addresses they use. " XXXX XXXX '' stated she would remove the hit from my credit record, but it 's clear that she has no intention of doing so.
Consumer complaint received 2018-10-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: 1st Franklin Financial Corporation (SC)

This company continues to report to my credit without verifying this account! I have put disputes in through the credit bureaus and XXXX was not able to verify this account and deleted it off my credit. However, the other credit bureaus still have this account reporting as verified. It also states they sent this account to a collection agency. I sent a letter to the legal dept according to FCRA 623 that I need this account validated! I get a letter back claiming they can't honor my request without signing it. This sound very sneaky to me as they claim they would have to do a signature comparison as a protection to me!!! 

*Attached is my letter to the company and a letter I received from the company
Consumer complaint received 2022-07-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Foris DAX, Inc. (NY)

On sat XX/XX/2022 I was having an issue with my crypto.com app. It was not loading. So I uninstalled it and re installed it. Before that I had my phone number changed. Because of that I was was unable to use the 2 step verification because the number they had was no longer active. I chatted with them on their app and tried to change my number. They refused to change my number because it was a XXXX XXXX number. I did not try to change my address. I I formed them that I was unable to log in and to try and find another way to let me into my account with my money and financial information. They kept refusing to let me access to my account. This is illegal. They can not deny me access to my money or my financial transactions and irs related documents. I talked in a course of hours. They kept trying to say that I was not restricted yet I can't access my account unless I have a phone number from another state. They want to try and force me to go to another state to get a phone number so I can access my funds and banking information. I still have yet to get access to my info and digital wallet. IN ESSENCE THEY ARE STEALING FROM ME AND PREVENTING ME FROM MY RIGHT TO MY INFORMATION.
Consumer complaint received 2017-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I applied for the Bank of america XXXX credit card on or about XXXX XXXX 2017. But the application is denied even when i am having the credit score of XXXX. At the same time Bank of America did n't provided any reason why the application is rejected? Moreover no instructions in terms of how they made the credit decision and how to acquire the free credit report. This is the clear violation of standards and standard operating principals. Worse than that - they send me a form to apply for the secure credit card to build the credit history, what??? It was just to rub the salt in my wounds. I never opted for getting any marketing or any other sort of material so why they are sending at the first place??
Consumer complaint received 2017-06-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP (TX)

I received a copy of my credit report and noticed Elan Financial Services reporting negative. I have no idea who they are so I looked them up on Texas Secretary of State website and found out the company is NOT bonded or licensed to collect in the state of Texas and they are in violation of FCRA reporting rules. ( See attached ) Secondly when I called the agency and gave them the account number my social did n't match what they had on file so I was unable to discuss the what 's but moreso why 's of why this account is reporting on my credit report. Prior to reporting I never received any correspondence about this alleged debt from Elan Financial Services. I sent a vertification letter with no response.
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NJ)

I have a claim from XXXX XXXX credit card, disputing that my account with them is negative. I already spoke with them and addressed the issue. The account has been paid off. I would like this account to reflect my current status, and be taken off as a negative account in my credit information.
Consumer complaint received 2018-10-27
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: SYNCHRONY FINANCIAL (CA)

Today XX/XX/18, I received a notice from XXXX XXXX that SYNCB ran a hard inquiry on my credit. I did not apply for credit not did I authorize a credit check. 

After researching the matter online, I found many others with the same issue, reporting that it was next to impossible to have the check removed through the company or XXXX.
Consumer complaint received 2017-06-26
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. (OH)

On XXXX XXXX XXXX received a certified letter from me disputing the inaccuracy of a bankruptcy on my credit report. Not only is the information incorrect but is unverifiable and I need this information permanently deleted from my report for it is damaging my credit. I even sent a letter from the court to them saying the court system does not report to the credit bureaus which is what is listed on my credit report. They had 30 days from the time of my dispute to respond and delete this account but they failed to do either. Which in turn, they broke the law according to the FCRA.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account number # XXXX, XXXX Account XXXX # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX  Account number # XXXX, XXXX XXXX XXXX Account number # XXXX has XXXX 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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Im writing to dispute INACCURATE information reporting on my credit report. I have also enclosed statements and payment information to prove payment was paid in a timely manner. XXXX  XXXX XXXX XXXX account # XXXX was never late. On XX/XX/XXXX the XX/XX/XXXX statement was for {$600.00} due on XX/XX/XXXX. I paid {$64.00} on XX/XX/XXXX. I also paid {$540.00} on XX/XX/XXXX for a grand total of {$600.00}. This payment was paid before the due date and the balance due was overpaid by XXXX. 

Also, for the XX/XX/XXXX payment a payment of {$41.00} was due XX/XX/XXXX. I made a payment of {$100.00} on XX/XX/XXXX. I also made a payment of {$100.00} on XX/XX/XXXX. I made a total payment of {$200.00} before the due date of XX/XX/XXXX. The payment due was {$41.00}. I made a total payment of {$200.00} I paid {$150.00} over the required payment. I have provided Experian proof payments were made timely in addition to the actual statements and this information has not been corrected. This account is greatly affecting my credit report because this account is showing 30 days late despite my proof that this account was paid timely. XXXX  XXXX XXXX XXXX had not corrected this account. In addition, they have continued to report this account 30 days late in XX/XX/XXXX to the XXXX major credit reporting companies which are Experian, XXXX, and XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX payment reported XX/XX/XXXX NEVER LATE See Documentation Regards, XXXX XXXX
Consumer complaint received 2018-10-27
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. (VA)

Car loan from XXXX XXXX XXXX. on XXXX XXXX to XXXX XXXX. 
Dispute with all three credit reporting agencies to investigate and update or remove the item from my credit report. XXXX nor the CRA can provide information that the car was repossessed in XXXX XXXX. Besides some late payments during XXXX, from XXXX to XX/XX/XXXX the loan is " Pay as Agreed '' and load was " Paid and Closed ''. Due to the inability to provide written documents with my signature showing that the car was repossessed, shows that the listed item is inaccurate and represents a error. 

I am requesting that all three of the CRAs remove this item from my credit report.