davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-27
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. (NC)

I reviewed the XXXX credit report I had ordered on XX/XX/XXXX and I saw an entry from XXXX/XXXX. I contacted XXXX   on XX/XX/XXXX, XX/XX/XXXX regarding my findings and demanded a Method of Verification/ Description of Procedure per the Federal Credit Reporting Act ( FCRA ) 609 & 611 as to how they conducted their investigation into the items were listed on my report.

FCRA 611 ( a ) ( 7 ) states : Description of reinvestigation procedure. Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I received a response from them XX/XX/XXXX. It basically was their normal response. The information on this item has been updated. During this time per Federal law as listed in FCRA 609 & 611 they failed and or refused to tell me how they verified this. They provided no evidence to me at all even after I demanded the full scope of the investigation in my letter.

FCRA 607 ( b ) states Accuracy of Report ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If XXXX has deleted it and I sent you information, then it is Trans Union obligation to maintain accuracy. Per the XX/XX/XXXX CFPB Report the following are causes of credit file inaccuracies : Data and data entry errors, CRA file matching inaccuracies, CRA process errors, Identity fraud/theft, Time lags and furnisher system or process inaccuracies : Failing to permanently change records when a consumer successfully disputes an inaccuracy, with the result that faulty information is re-reported ; Undaunted by this I tried once again. I asked for the same information from the other two bureaus ( Transunion & XXXX ). Transunion nor XXXX didnt provide it. As I believe all of them are still using E-Oscar to verify when that has been ruled not to be verification. I also wrote XXXX/XXXX on XX/XX/XXXX and they never responded as well. With no response to me how is it that this is still verified. What were they getting that I wasnt that XXXX refused to share with me the information that was in my credit file showing where they did a full credit investigation as I requested by law. 

All this correspondence I will be including for you as well. I am including the letter I had asking them to remove that as well.
Consumer complaint received 2022-08-26
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. (MO)

I have noticed that XXXX XXXX have placed an inquiry on my TRANSUNION credit file dated XX/XX/2022. On multiple occasions I requested XXXX XXXX and TRANSUNION to verify these inquiries. They have yet to do so.
Consumer complaint received 2021-10-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC (GA)

This is a loan contract company that survives off of predatory lending practices and only targets medical professionals. I entered into a contract with Bankers Healthcare Group in XXXX of 2018. The original amount and payment as noted in the documents changed, the payment is almost the same as well as the amount, but the interest charge and terms are much higher. These funds were used to pay off a student loan through XXXX. Looking back, the only difference between XXXX and this group is that XXXX is involved in multiple class-action lawsuits. Banker 's Healthcare Group should be as well. My husband and I were both heavily affected during the last two years by the ridiculous shutdowns and lack of patients/business. I work in XXXX XXXX as a XXXX XXXX for the last seven years. My hours were cut heavily by the hospital by over 30 %. We could not afford this $ XXXX predatory loan payment at over 20 % interest. We paid over {$12000.00} in payments. The balance is almost the same as the original loan amount. This is another sign of a predatory lender. After a three month deferment, we contacted them for additional options. They did not continue to draft payments, nor did they return any calls on available options. We did receive a call to borrow more money. Bankers Healthcare filed a lawsuit against me. They are suing for over {$37000.00}, more than the original loan amount and not including the {$12000.00} in payments made. These types of companies are harmful to consumers, and should not be in business to prey upon medical professionals. The original terms were changed from what was discussed, the loan was setup from the beginning to be very difficult to pay with the high payment, fees, interest rate and term. 
We do not have funds for a lawyer, and this should be something that is looked at to prevent other consumers from falling into this lender 's trap.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

Took my then XXXX XXXX XXXX mother with XXXX to the bank to change her account to one that has no fees ever. The bank changed her account and PROMISED NO MORE FEES. Well the bank changed the account without any notice and began charging XXXX dollars each month, now XXXX dollars total. I went to the bank as soon as I could and even though the same girl ( ms. XXXX ) remembered us changing the account. She pretty much said, they would not credit her account. I asked for the branch manager but was told he was out sick and may not be back for a while I then asked her to call the district office she said we don't have that number. I tried XXXX Suntrust 3 times talking to 3 supervisors. None willing to help. 
Banks can not steal from the elderly, especially elderly and sick.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

INNACCURACIES ON MY CONSUMER REPORT DELETE IMMEDIATELY. 



XXXX ACCT # XXXX STATUS CLOSED, BALANCE XXXX XXXX OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) CURRENT PAST DUE ( XXXX ) ( TRANSUNION ). 

XXXX ACCT # XXXX STAUS CLOSED, BALANCE XXXX XXXX OPEN DATE ( INACCURATE ) ( XX/XX/XXXX ) ( INACCURATE ) CLOSED DATE NONE ( INACCURATE ) LAST REPORTED ( XX/XX/XXXX ) CURRENT PASS DUE ( XXXX ) ( XXXX ). 

XXXX ACCT # XXXX STATUS CLOSED, XXXX XXXX ( INACCURATE ) OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) CLOSED NONE ) ( INACCURATE ) LAST REPORTED XX/XX/XXXX ) XXXX XXXX XXXX ACCT # XXXX, STATUS CLOSED, BALANCE XXXX, OPEN DATE ( XX/XX/XXXX ) CLOSED NONE, LAST REPORTED ( XX/XX/XXXX ) ( XXXX ) XXXX XXXX  XXXX  ACCT # XXXX STATUS CLOSED, BALANCE XXXX, OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) CLOSED DATE NONE, ( INACCURATE ) LAST REPORTED ( XX/XX/XXXX ). ( XXXX ). 

XXXX XXXX XXXX ACCT # XXXX, STATUS CLOSED, BALANCE XXXX, OPEN DATE ( INACCURATE ) ( XX/XX/XXXX ), ( INACCURATE ) CLOSED DATE ( XX/XX/XXXX ) ( INACCURATE ) LAST REPORTED ( XX/XX/XXXX ).
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (MN)

I made a payment for {$480.00} on XX/XX/21, it posted to my checking account XX/XX/21. Today is XX/XX/21 and the payment still has not be credited to my account. After multiple phones calls and promises of call backs I have not heard back from anyone to resolve this matter. Today is the XXXX day according to the information below and customer service is telling me it could still take until XX/XX/21 to credit my account. This is starting to make me feel like the company is not legit and I've been scammed. 

The following terms and conditions are posted on their website. 

When will my online payment post to my account? 
The payment cut off time for online payments is XXXX p.m., Pacific Time. This means, if we receive your online payment prior to XXXX XXXX., Pacific Time, your payment will be credited to your account as of the calendar date it was received. If we receive your payment after XXXX XXXX Pacific Time, your payment will be credited as of the next calendar date. 

When will the available credit on my account reflect my payment? 
In some cases, the available credit may not reflect your payment for up to 14 days in order to verify funds. This is disclosed in the " Making Payments '' section of Agreement that governs your account.
Consumer complaint received 2019-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC (NJ)

On XX/XX/XXXX I received a Final Account Notice from XXXX XXXX ( XXXX XXXX ) showing the amount I owed from moving out of my  apartment which was {$280.00}. I did not pay this right away and the account was sent to a collections agency named RentDebt Collections. On XX/XX/XXXX I paid RentDebt the full amount of {$310.00} for the debt which included additional interest and fees. I did not settle this account, it was paid in full. 

On XX/XX/XXXX, 7 months after I moved out and 2 months after I paid the debt in full, I received a NEW Final Account Notice from XXXX XXXX ( XXXX   XXXX ) charging me an additional {$130.00} for the collection fees that they were charged by the collections agency that they hired. 

Also, RentDebt has stated on my credit report that the debt was settled - less than the original balance when I PAID THE BALANCE IN FULL PLUS INTEREST AND FEES.
Consumer complaint received 2023-04-10
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-11
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. (PA)

I have written each company and all three credit bureaus to inform them that I have no regulation as to how any of these accounts are connected to me. I asked for proof of validation back in XXXX and have yet to get a response. I done get why or how any of this is actually legal. I have been victimized and I feel I have been mistreated and next I will seek legal assistance.
Consumer complaint received 2021-10-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

Hi! Suntrust now Truist has allowed multiple fraudulent transactions to post to my account and have closed my claim for fraud. A total of 6 XXXX transactions were made that are not mine mine and totaling nearly {$700.00}. They have closed the claim without doing their research. They also never alerted me that there was suspicious activity.
Consumer complaint received 2021-10-11
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. (PA)

I have written each company and all three credit bureaus to inform them that I have no regulation as to how any of these accounts are connected to me. I asked for proof of validation back in XXXX and have yet to get a response. I done get why or how any of this is actually legal. I have been victimized and I feel I have been mistreated and next I will seek legal assistance.
Consumer complaint received 2022-02-14
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)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (FL)

In accordance with the Fair credit reporting act XXXX  account # XXXX has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : Creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This past XXXX I lost my wallet. My Bank of America credit card was used to book a hotel reservation in XXXX for over {$2200.00} dollars. I immediately called BOA 's fraud department and told them what happened and that I had not made that charge and to please cancel the card. They did, sent me a new card and said not to worry they would take care of the unauthorized charge. 

The following month I noticed the charge back on my account. When I called them a second time they told me they decided no fraud had taken place. I asked them to reopen the case and to have the security department call me with any questions which they never did. Two months later they sent me a letter saying that they would not reverse the charge because the person that booked the reservation never actually stayed at the hotel and therefore there was no fraud. 

Just because they didn't catch the person that made the reservation doesn't make it any less fraudulent. I don't understand how they're claiming it wasn't fraud. Someone still used my card and it wasn't me. How is that not fraud? They didn't do their job and now they expect me to pay for it. The sick part is I probably could have called the hotel and gotten them to cancel the reservation I didn't make but I thought it would be better to let them handle it. 

They are now harassing me every day trying to get me to pay for a charge that isn't mine. Please help.
Consumer complaint received 2019-03-25
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. (TX)

XXXX and Transunion are reporting incorrectly that I am 30 plus days past due on the XXXX - partial account number XXXX ( page 6 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. I have contacted to two bureaus to fix this incorrect reporting on my credit report. It is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.
Consumer complaint received 2022-02-14
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. (TX)

I filed a dispute with transunion on XX/XX/XXXX on this account letting them know I have no knowledge and requested a full validation under FCRA Law and requested information on the company right to collect under fair credit and billing act. I have not heard back from transunion. I have also filed a complaint with CFPB and no action was done. Please provide the requested information or otherwise delete the account. I am also looking into filing a complaint to the FTC and DOJ. The transunion report is not accurate as its missing name. 

disputed account XXXX Original creditor : XXXX XXXX  XXXX  {$240.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX
Consumer complaint received 2019-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (LA)

I disputed this account several times and XXXX, XXXX and Experian refuse to remove this XXXX XXXX off my credit report. I am attaching a copy of the letter i received from XXXX XXXX stating that this account is fradulent.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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


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

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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX XXXX  cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.