davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is nothing but an ecommerce site that constantly tries to force you to purchase their monitoring or other services instead of allowing you access to your credit file. Every time I try and login, i'm redirected to the ecommerce site to purchase a monthly service from this. When i called support, they told me they were resetting my password, and then did not send me the password reset emails. I've been going around and around for 4 hours. If Transunion is going to be nothing more than a seller of credit services, they should not be allowed to be a credit reporting bureau. They are monetizing services that should be made available to the public and causing great harm to consumers by refusing to allow consumers to access their credit profile.
Consumer complaint received 2022-10-08
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. (MO)

This is NOT a Duplicate Report and this is NOT filed by a 3rd Party or Credit Repair company. The accounts below have violated my rights In accordance with the Fair Credit Reporting Act XXXX. I have all rights to privacy and I didn't give written consent to furnish these accounts on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. states that I have a 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 consent.
Consumer complaint received 2018-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc (NY)

On XX/XX/2018, I had applied for a job to be a driver with XXXX and XXXX and on XX/XX/2018 the Company CHECKR disclosed information from 16 years ago. According to FRCA consumer reporting agencies are only allowed to disclose background check information from up to 7 years prior, Checkr violated this rule. As a result my application was denied by XXXX and is under review by XXXX. Checkr also reported false information saying I was convicted of XXXX XXXX when I was in fact convicted of XXXX XXXX   even after I corrected XXXX XXXX of Checkr and sent them proof they still continued to report this information.
Consumer complaint received 2021-07-25
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$8500.00} -This is not my account.
Consumer complaint received 2021-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

XX/XX/XXXX I disputed a collection acct from XXXX XXXX XXXX. I asked to them to verify the account was mine. They sent me a bill of a Walmart account that is not mine. I asked them to delete it. 

XX/XX/XXXX I dipsuted a collection acct from XXXX XXXX XXXX. I asked to them to verify the account was mine. They sent me a bill of a Walmart account that is not mine. I asked them to delete it. This is really hurting my credit report.
Consumer complaint received 2021-10-28
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: National Credit Adjusters, LLC (GA)

Collection account - disputed it, it was removed XX/XX/XXXX and was immediately placed back on without proper verification, I disputed several times and asked for an original document with my original signature showing i agreed to do business with this agency and none has been provided after 3 disputes, this has affected my creditworthiness and score and caused me to lose financing and pay higher interest rates. 
it has been removed from the other credit bureaus * the credit bureaus are required to report only 100 % accurate information and to maintain an original document of any account they are reporting. they have violated FCRA and the creditor has verified it as accurate electronically each time it was disputed
Consumer complaint received 2018-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CITIBANK, N.A. (KS)

As a tax payer and a equity owner in CITI, I'm appalled at their boycott of the firearms industry!! Their greed along with other banking institutions resulted in a trillion dollar plus bailout. They should not have the right to deny a legitimate industry the access to monies based on political bias.
Consumer complaint received 2022-12-02
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: EQUIFAX, INC. (TX)

I pulled my credit a few months ago I noticed that there was inaccurate information on my Equifax report. I have reached out to them multiple times to get an investigation done and they failed to conduct one. They never provided results to me and they still have not responded to my letter on XX/XX/2022 where I provided them with more information. The FCRA states that they have 30 days to respond and they did not. They continue to report inaccuracies after being notified.
Consumer complaint received 2021-10-28
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: ALLY FINANCIAL INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 60 days late ( XXXX to XXXX ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2018-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

XXXX XXXX for lowes charge card knows I received my social security check on the XXXX XXXX of every month .I had my due date for payment due on the XXXX or abt.without knowledge and sending me any bill by paper billing in which I get for all bills, suddenly stop and they change my due date to the XXXX!! .I always paid {$100.00} on my bill every month even tho the amount due is {$75.00} month.they charge me for late fee.and want {$23.00} for late fees. I REFUSE TO PAY THIS .they will not forward nor waive the late fees and they claim I have to call customer service to change my date back to the middle of the month..i ask the first call I made to change my due date BACK and she refuse to .ignore my request and went on the torrade of the late payments and the other day a customer service said I miss several months and my bank denied this and every month my payments been made and never return!! they lied! i.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Reported errors for over 2yrs, using dispute process, came back " verified '' each time, agency failed to report only accurate information for over 2years and even allowed creditor to re-date payment history to appear as recent causing severe damage to my creditworthiness in the eyes of lenders.. i submitted multiple disputes ( over 10 ) to fix this and nothing happened, i asked for the accounts to be deleted but they simply updated some items and left the entries on my report..as of this date/ they are still not accurate * the credit bureaus are required to report only 100 % accurate information and they have violated FCRA and the creditor has supplied incorrect information for years and verified it as accurate each time it was disputed, everything from dates to balance to payment history has been different in each reporting to the bureaus but came back verified each time it was disputed
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Security freezes are supposed to enable me to improve the security of my accounts. Instead of processing it online, Experian is requiring me to MAIL Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. This is NOT secured. Setting up credit freezes with XXXX or XXXX  works fine but Experian is not making more secure or accessible and it would be expected. It also does not list anyway to verify or confirm that the letters are processed or that the freeze of completed as expected. 

The only option provided is this, not even a phone number : We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. 

Sending us your information To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, XXXX. XXXX XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. 

Send copies of any documents you wish to provide to us and always retain your original documents. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number ( PIN ) that will be required in order to remove the freeze temporarily ( in order to apply for credit or for any transaction that requires that another party access your personal credit report ) or permanently. 

Experian Security Freeze XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-02-25
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 was checking my credit report and. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. IM SHOCKED HOW IT HAPPENED
Consumer complaint received 2022-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zarzaur and Schwartz, PC (MS)

On XX/XX/XXXX Zarzaur & Schwartz, P.C. reported a debt to my credit score. On XX/XX/XXXX they contacted me by mail. By doing so they committed Aggravated Identity Theft because I do not know them and it is illegal in the United States to collect without a contract. I originally owed XXXXXXXX XXXX, but now ZarZaur & Schwartz, P.C. who Ive never contracted with has my personal information and is now trying to collect on a defaulted security. They are attempting to extort me and commit theft by deception by ruining my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity of this, and any alleged debts until Zarzaur & Schwartz, P.C. can provide me with sufficient documentary evidence that I have legal obligation to pay them. If this documentary evidence can not be produced and Zarzaur & Schwartz, P.C continue its collection efforts, I will file for litigation for actual damages caused and Zarzaur & Schwartz, P.C. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

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 these accounts ( 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 following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXXXXXX XXXX Owed XXXX {$4500.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX Balance Owed XXXX {$4000.00} XXXX XXXX Balance Owed : {$1800.00}
Consumer complaint received 2022-02-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I HAVE BEEN UNABLE TO GET A HOME OR VEHICLE DO TO INCORRECT REPORTING ON THE BUREAUS PART. I HAVE NOTIFIED THEM OF WRONG INFORMATION. THE RESULT OF INVESTIGATION HAS YET TO BE DISCOVERED. I HAVE RECEIVED NO PHYSICAL DOCUMENTS TO VALIDATE ACCOUNTS.
Consumer complaint received 2021-10-28
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)

Reported errors for over 2yrs, using dispute process, came back " verified '' each time, agency failed to report only accurate information for over 2years and even allowed creditor to re-date payment history to appear as recent causing severe damage to my creditworthiness in the eyes of lenders.. i submitted multiple disputes ( over 10 ) to fix this and nothing happened, i asked for the accounts to be deleted but they simply updated some items and left the entries on my report..as of this date/ they are still not accurate * the credit bureaus are required to report only 100 % accurate information and they have violated FCRA and the creditor has supplied incorrect information for years and verified it as accurate each time it was disputed, everything from dates to balance to payment history has been different in each reporting to the bureaus but came back verified each time it was disputed
Consumer complaint received 2021-06-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc. (MS)

Though XXXX XXXX, I was notified of 2 collection accounts that was reporting on all 3 bureaus. I also confirmed this through phone communication with them. I then submitted my dispute by mail. I then received one letter from On Line which I included in this complaint. I followed up with the bureaus on the XXXX with a letter stating that they have not complied with the law by not communicating with me the results of the investigations that they are compelled to do with 30 days. 

These collectors has not provided any information to me as proof that this debt is mine, yet continues to report this information to the bureaus. I have asked for the information in these communications that I will upload. They also did not respond in a timely manner or ignored my requests outright. I am submitting this on my own behalf. I have no other authorized third party. 

These collectors did not provide HIPAA release to be able to collect on this debt. They did not provide any information to me asking for validation of within 5 days after intial communication per 15 United States Code 1692g ( a ). Failed to provide proper verification. Communication with bureaus violating my right to privacy providing them with false reporting. Under 15 United States Code 1681n ( a ) ( 1 ) these violations have caused damages to my personal credit due to false, misleading, unverified, and unvalidated information.

15 United States Code 1681a ( 3 ) ( A ) and ( B ) restricts sharing medical information and services such as listed as " Emergency Dept Visit ''.

No response when asked to provide signed contracts as well as no response within 30 days of dispute. Under 15 United States Code 1681c ( C ) ( 1 ) this debt has passed 180 days and should no longer be on a consumer report.

I still have not recieved a credit report with updated information from these agencies, nor mention that this disputes is or even will be listed.
Consumer complaint received 2022-02-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I HAVE BEEN UNABLE TO GET A HOME OR VEHICLE DO TO INCORRECT REPORTING ON THE BUREAUS PART. I HAVE NOTIFIED THEM OF WRONG INFORMATION. THE RESULT OF INVESTIGATION HAS YET TO BE DISCOVERED. I HAVE RECEIVED NO PHYSICAL DOCUMENTS TO VALIDATE ACCOUNTS.
Consumer complaint received 2022-02-25
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: EQUIFAX, INC. (CA)

1.In accordance with the Fair Credit Reporting Act Convergent Account # XXXX ( XXXX XXXX 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 section2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

2. In accordance with the Fair Credit Reporting Act Convergent Account name, XXXX XXXX XXXX Inquired on XX/XX/2020 Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, CAXXXX  ( 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 section2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

On XXXX XXXX I submitted minimum of XXXX to jcpenny credit card. I then received an email stating jcpenney did not received my payment for the month of XXXX. 
I then send jcpenney penny proof of my bank statement stating that payment was made to jc penny. I also provided proof of text message sent to me with confirmation number once payment is successful. 
I resubmitted the proof once again to jcpenney credit card on XXXX XXXX. 
On XX/XX/2021, I spoke to XXXX from jcp credit card and put her on 3way with XXXX XXXX  representative. XXXX stated that the XXXX dollars was reverse to XXXX checking account. The representative from chase confirm to XXXX from jc penny credit card that a payment was made to jcpenney on XXXX XXXX and that no payment was reverse back to chase checking account. My minimum payment for this month is XXXX when it should be XXXX and this because jcpenney credit card has this month payment for XXXX dollars plus the missing payment for XXXX of XXXX plus the late fee of XXXX which totals to XXXX dollars. The month of XXXX was paid for.
Consumer complaint received 2022-10-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I applied my home equity of credit line in XX/XX/2022 and they denied XX/XX/2022. They gave me a hard time during the application processing time. They pulled my credit report 2 times and I spent my time and energy as much as I could. They mishandled and mislead my application. I have doubt with those two employees who were handling my application, he did intentionally mishandled my application. They are two employees one is manager and another home service specialist who were did something wrong on my application. I did everything from my side. I am depressed and mentally tortured from it. I need help please.
Consumer complaint received 2019-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Office depot and citibank have misleading practices where they assess multiple fees without notifying me prior to obtaining credit. 

They are deceiving the public by hiding additional fees and cost that do not conform to common credit practices. These fees we never explained to me and if they were I would not have taken the card. 

Employees pushed the benefits of the card without warning me about minimum monthly charge requirements and other obscure terms