davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-24
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. (NC)

Hello, In regards to information requested to verify my Identity : SSN/Proof of Address, please see the attached documents listed - in regards to my prior complaint. 

The requested removal blockage of entries should be completed asap!
Consumer complaint received 2024-03-04
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. (GA)

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  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2018-12-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OLD NATIONAL BANCORP (MN)

My account was charged XXXX on XX/XX/2018 by XXXX. 
I contacted XXXX on Saturday XX/XX/XXXX and was told the money would be back in my account on Monday XX/XX/XXXX. 
I called XXXX 3 times on Monday, I was finally told I had to contact Mastercard to dispute the charge. 
I havent gotten any kind of help or response from XXXX to resolve the issue. 
Please help XXXX XXXX
Consumer complaint received 2018-06-18
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: WELLS FARGO & COMPANY (TX)

In XX/XX/2010 Wells Fargo had multiple accounts and credit I'm my name I was just notified this past year and now I'm a victim of identity thief from Wells Fargo.. I have no way of getting help leaving my apartments and moving forward have no family and am almost in a day homeless trying to fight for my identity.. Please take action and help me
Consumer complaint received 2023-06-29
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: CLGF Holdco 1, LLC (NY)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-12-14
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldous & Associates, PLLC (NY)

I sent a XXXX on XX/XX/2022, here is my Certified Mail XXXX XXXX XXXX XXXX XXXX, to remove a fraudulent account that I do not want on my credit report. According to the Fair Credit Reporting act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of this information was also mistaken, fraudulent or perhaps even possible identity theft.

Additionally, they are not licensed to collect in the state in which I live, and therefore are violating federal law.
Consumer complaint received 2021-06-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (SC)

Calls everyday, twice, three times a day. No message, no human, no recording, dead air. Never leaves a message. I do not know this company, there is nothing on my credit report for this company. But I am constantly being harassed by repetitive calls. I can not receive calls during working hours of XXXX - XXXX or my job is at risk, This needs to stop or they need to leave a message or a human needs to tell me what this is in regards to. Enough is enough. They don't seem to care who they are calling or if it's the correct person they are calling. Nothing
Consumer complaint received 2019-04-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN HONDA FINANCE CORP (CA)

I co-signed for a lease for my daughter about 3 years ago. When her lease was up, she qualified on her own and no longer needed my commitment. She purchased a new lease on XX/XX/XXXX and turned in her old car, thus releasing all payments owed on the former lease. 
I received a letter from Honda Finance dated XX/XX/XXXX that immediate action was required to purchase of return the vehicle. I called the number on the letter ( attached ) to explain that the car had been turned in. I was told that documents were required from the dealer so my daughter called to fix the issue. 
The dealer is XXXX XXXX Honda and my daughters sales person was XXXX XXXX. She was told that a check was sent to Finance on XXXX for {$280.00} and the tracking number was # XXXX. I told her to check that all the proper checklist was done to turn in the vehicle and she called to ask. She was told they would go through the paperwork to be sure and call her back - which they never did. 
Last week I was notified from my Bank the the credit reporting bureaus have been notified that I am over 30 days late on payment to Honda Finance. I feel that the Dealer and Finance companies incompetent practices have negatively affected my credit rating.
Consumer complaint received 2018-10-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Butte County Credit Bureau (CA)

I have tried calling the collection agency trying to get some things on my credit fixed and twice a rep. by the name of XXXX answered and was extremely unprofessional, rude, combative and bad tempered. I tried asking her some questions but she wouldn't let me speak and she would just respond with she doesn't have to let me speak, so I asked for a supervisor and she refused she said there isn't a supervisor and hung up on me. I have repeatedly tried to get more information on these bills and I get absolutely no where. Butte County Credit Bureau is a HORRIBLE company, treating people so poorly and disrespectfully is not OK in anyway shape or form.
Consumer complaint received 2019-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALCHRO INC. (FL)

The company claims only after I got involved with the insurance company that the claim was paid, this is not true. I did NOT get involved with the insurance company the company did not submit the claim properly and only when they resubmitted the claim properly they got paid. In the mean time they destroyed my credit for 5 months causing {$500.00} worth of damage to my credit. The company takes no responsibility and has not done the right thing by paying for the damages to my credit.
Consumer complaint received 2019-10-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WI)

I made a purchase at XXXX XXXX XXXX for {$7300.00} on XX/XX/2019. Store sales workers talked me into a credit card with a 36 month payment plan. I made sure to ask them about early payoff penalties and they said there would be no penalty. On XX/XX/19 I paid the balance off in full. On XX/XX/19 I received a statement with a {$21.00} fee. I contacted XXXX XXXX credit card that day through their Secure Message Center online.

I said " I see we have an amount due on our statement but we paid this card of over a month ago. We should not owe any more. '' The reply from XXXX XXXX XX/XX/19 " We will be happy to assist you today. The original purchase of {$7300.00} on XX/XX/2019, was placed on a 36 months low Annual Percentage Rate ( APR ) of 14.99 % with equal payments. Because the promotional plan offered a low APR, interest starts to accrue the date the purchase bills to the account. The finance charges will continue to bill until the promotional plan expires. '' My reply XX/XX/19 " To be clear, we are being penalized for paying off the purchase early?! That is not right. We have spent over {$25000.00} in the past 2 years at XXXX XXXX and would like to continue to BUT we will not if we are going to get charged interest on a paid off credit card. There was not supposed to be any penalty for early pay off. That is extremely sneaky of XXXX XXXX to pull that. Please get this resolved. '' The reply from XXXX XXXX XX/XX/19 " We certainly do apologize for any inconvenience or confusion this has caused. Please be informed that the finance charge is assessed to the account when you have a carryover promotional balance. The interest charged to the account is calculated on the average daily promotional balance. The only way to avoid the finance charge is to pay the statement promotional balance in full each month. Also be informed that the finance charge of {$21.00} is charge on your promotional plan of 36 months lower Annual Percentage Rate ( APR ) of 14.99 %. '' My reply XX/XX/19 " You realize that we planned on spending another $ 25K- $ 50K in the next 2 years at XXXX XXXX for ring upgrades and you will be losing us as a customer because of this sneaky fee that was not advertised to us when we signed up. You are losing two long time XXXX XXXX   customers for about {$570.00} ( the amount of the fees for the next 27 months )! This is terrible customer service. If this can not be removed, please give me a contact number and name for the next person in charge. I am completely outraged about this. '' They have not responded. I think this fee for keeping a " lower '' interest rate is a scam. I have no balance on the credit card, I am not using the " lower '' interest. I do not feel a fee should be charged.
Consumer complaint received 2023-06-28
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. (TX)

This is in response to complaint XXXX. Equifax stated they needed to verify my identity. Even though this is a stall tactic and did not address the disputed account, I have attached my identification. Per the last complaint, the account is reporting late payments during covid and while on deferment these are FCRA violations. The company stated that no one from Equifax reached out for an investigation. Remove this late payment reporting in XX/XX/2020 on account XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-05-22
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)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be corrected as soon as possible. 
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 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
Consumer complaint received 2024-03-04
Product: Credit reporting 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)

Dispute of Unauthorized Account on Credit Report I am writing to dispute the following information in my credit file. The account listed below does not belong to me, and I have no knowledge of this account : Creditor : XXXX XXXX XXXX Account Number : XXXX Original Creditor XXXX XXXX  Amount {$110.00} I am requesting that the item be fully investigated and, that it be removed from my credit report as soon as possible.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (CA)

I have 128 payment periods with certified employment under the TEPSLF/PSLF program. The XX/XX/2022 payment period put me at 120, that was when my loans should have been forgiven per the rules promulgated by the Department of Education. At that point, my credit report shoulod have been updated to reflect the balance due was {$0.00} that the loans had been forgiven because I am a federal employee. That has yet to happen -- after 8 months. Because of this 8 month delay in updating the status of my student loans, I have had to pay more interest because of my " excessive unsecured debt '' all because the promises made by the Department of Education have not been kept.
Consumer complaint received 2019-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NJ)

A company I hired to correct information on-line never corrected it and kept charging me their monthly fee after I canceled service. It took them 8 month to eventually prosses the cancellation only after I have to close the card to stop them from charging it. 

on XX/XX/XXXX they charged {$1800.00} and on XX/XX/XXXX {$250.00} and even after they closed the account they charged {$770.00} on XX/XX/XXXX
Consumer complaint received 2021-02-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have wrote your company several times. I'm not sure if you are getting my letters are not. I would like my credit report properly investigates. I have took a look at my credit report and carefully went through each account. I want to know did you properly investigate these accounts. Some of these accounts report that how I was making on time payments one month then the next month it says 120 days late. The payment history is reporting inaccurate. the date of last active date I have circled and noted for you that its inconsistent
Consumer complaint received 2019-06-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (DC)

My account had {$0.00} balance briefly for only 3 days ( non XXXX for all other 2+ months, see attached ) and Wells Fargo closed my account, without any prior notification in any form. My average account balance has been positive the entire time ( average balance over statement period is what most banks use from what I've seen ) and I have been having it as my salary direct deposit account. I believe they just want to avoid issuing my account opening bonus of {$400.00} which I have satisfied all requirements so far ( > {$3000.00} direct deposit within 150 days and positive average balance ). Please see the screenshots attached of multiple communication efforts with the company without success and the account history.
Consumer complaint received 2020-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

I have had a few card terminated that I was authorized user on a while back. I was told all these terminated accounts XXXX and any other credit reporting agency 's would take off. Here the following accounts I would like removed from my credit report as promised. 

I have 3 XXXX cards all 8+ years all terminated would like that off A XXXX card that was opened on XX/XX/XXXX & another one opened XX/XX/XXXX A XXXX XXXX card with a credit limit of {$7500.00} & another one with a {$10000.00} limit XXXX XXXX opened on XX/XX/XXXX. 

These cards some were an ex bf 's and some were my mother 's I just don't want anything to do with them off my credit report as I am trying to build good credit and do not need or want there help. Thank you
Consumer complaint received 2023-05-21
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. (ND)

Credit was pulled without my permission on XXXX XXXXXX/XX/2023. XXXX/loan expert did not ask when he pulled credit. Now I have more inquiries than I was supposed to. Effecting my score. Trans union XXXX XXXX.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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

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

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 2021-06-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown item on my credit report. To this day over 3 months later, this collection has not been removed. The collection agency FCO, is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. I do not validate this debt. I asked Equifax to remove it immediately and they failed to do so.
Consumer complaint received 2019-06-24
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. (MI)

XXXX XXXX XXXX has reported inaccurate credit reporting information of amount owed since 2016. I have contacted XXXX by mail as well as submitted two ( 2 ) disputes to Transunion, XXXX and XXXX. The years of inaccurate credit reporting are multiple violations of the fair credit reporting act. I have complained and sent in proof of violations of inaccurate reporting, yet each bureau continues to allow inaccurate reporting. XXXX XXXX XXXX is well aware of the inaccurate information because we have been to Federal court regarding the inaccurate reporting.
Consumer complaint received 2019-06-24
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: Experian Information Solutions Inc. (FL)

On XXXX XXXX, I applied for an auto loan. I authorized the dealership to pull my credit, but had 10 other inquiries from banks they sent for approval.

I read that any inquiries from purchasing an auto loan would be counted as one, instead, my reports are now showing 11 inquiries, one from each bank, if they were pulled within 14 days.

This is the second time a dealership has shopped for approvals and rates for me that this has happened.

There should be one report that can be shared with different bank/finance companies that the dealership shares the one report with that shows all three bureaus.
Consumer complaint received 2019-06-24
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. (FL)

On XX/XX/XXXX, I applied for an auto loan. I authorized the dealership to pull my credit, but had 10 other inquiries from banks they sent for approval. 
I read that any inquiries from purchasing an auto loan would be counted as one,  instead, my reports are now showing 11 inquiries, one from each bank, if they  were pulled within 14 days. 
This is the second time a dealership has shopped for approvals and rates for me that this has happened. 
There should be one report that can be shared with different bank/finance companies that the dealership shares the one report with that shows all three bureaus.