davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
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. (OH)

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( Transunion, XXXX, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with transunion and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 
Transunion XXXX XXXX XXXX Balance XXXX Date Opened XX/XX/XXXX Acct Number XXXXXXXX XXXX XXXX XXXX  Balance {$470.00} Date Opened XX/XX/XXXX Hard Inqurires XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Home shopping ) XX/XX/XXXX XXXX ( Miscellaneous ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -
Consumer complaint received 2019-04-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I mailed TransUnion a disputed letter XX/XX/2019. After more than 30 days, a follow-up letter stating that they didn't response within 30days I'm asking TransUnion to remove these accounts in question.
Consumer complaint received 2019-04-22
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. (TX)

XXXX XXXX XXXX ( XXXX XXXX XXXX ) was included in my BK Chapter XXXX underneath the collection agency they put the debt under. They were discharged and did not update the status of the account to correctly reflect its Bankruptcy status nor the balance at {$0.00}. They violated the laws in which I was protected under Bankruptcy both during and after. 

I disputed this information with TransUnion when my discharge was released on XX/XX/2019. On XX/XX/2019, they decided to respond to the dispute in a number of ways that violated my rights under the Bankruptcy discharge as follows. 

1 ) by pretending their company had a name change from XXXX XXXX XXXX to XXXX XXXX XXXX/XXXX, n/a to place this debt BACK onto my report after it was successfully updated and removed, putting the debt protected under a open bankruptcy case BACK onto my report and, 2 ) proceeding to put in the comments the debt was transferred and charged off as a debt debt and a Delinquent Account. All of which was incorrect. 

As a result of their inaccurate reporting, this caused my score to drop points and negatively impacted my ability to rebuild my credit. 

This type of blatant disregard for obvious policy and procedure regarding how bankruptcies are to be reported both during and after the proceedings is unacceptable. 

The FTC clearly stated : Section 607 ( b ) of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' In our view, it is not a reasonable procedure to label an account that has been discharged in bankruptcy as " charged off as bad debt '' if the account was open and not charged off when the consumer filed bankruptcy. Such a designation would be inaccurate or misleading, because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so.
Consumer complaint received 2018-07-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (MN)

On Friday, XX/XX/2018, I received a letter from XXXX XXXX XXXX stating that I owe {$860.00}. The letter is dated XX/XX/2018. I called the number to find out who I needed to talk to because I dont acknowledge this debt. They couldnt give me much information other than XXXX XXXX XXXX XXXX XXXX. I called them, but they have no record of me having an account with them ( old or current ). I also called XXXX XXXX  who is listed as the original creditor who also said the same thing. 

The person I spoke to said this account would be reported to the credit agencies and it would show up on my credit report even though I told him I needed time to figure out what had happened and who to contact to clear this up. He said he was not a financial advisor and could not tell me what to do or how to clear this up and that he would request a debt verification. 

I was a little surprised that he didnt ask me to state the last 4 digits of my social security. He just listed them and asked if those were it.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX  ( Original XXXX XXXX XXXX ) Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX ( Original XXXX XXXX XXXX  ) Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX  XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX  XXXX XXXX Account number : XXXX  - IDENTITY THEFT XXXX Account number : XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (OK)

XX/XX/2023 XXXX XXXX this should have been covered by Medicaid with XXXX XXXX as primary. I have insurance it was billed incorrectly XXXX XXXX I have no out of pocket payments not even deductible.
Consumer complaint received 2019-04-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2019 I settled a Capital One debt for {$210.00} dollars as a settlement in full. They told me that I did not owe the rest of the money and that they would have Capital One update the credit report within 30 days from a Charge Off to a Settlement in Full on my credit report. 

I just received notification today on XX/XX/2019 that the balance went down and Capital One is listing me as delinquent on my account. This has made my credit score go down. 

XXXX XXXX XXXX did not say that this would occur. They only said that it would go from a charge off to a settlement in full. 

XXXX XXXX the manager said today on XX/XX/2019 that they didn't have control over the credit reporting and another employee stated it could take 30 to 90 days. 

This is not what was indicated earlier when I settled the debt. They made false promises in order to collect money on this debt.
Consumer complaint received 2024-03-02
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. (PA)

I am writing to file a complaint regarding an ongoing issue with the reporting of information on my credit report, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ). I previously submitted a complaint on XX/XX/2024 regarding the investigation of an account listed on my credit report. Despite my efforts, the problem persists, and I am deeply concerned about the accuracy and consistency of the information being reported. 

Furthermore, I have explicitly opted out from sharing my information with the creditor in question. However, it has come to my attention that my information is still being shared without my consent, which is a direct violation of my privacy rights. 

Under the FCRA, it is clearly stated that inaccurate, incomplete, or unverifiable information must be removed or corrected promptly. Moreover, the law mandates that the information reported across all three major credit bureaus must be accurate and consistent. 

The crux of my concern lies in the inconsistency between the responses from different credit bureaus. XXXX has acknowledged the inaccuracies in the reported account and has taken steps to remove it from my credit report. However, Transunion has asserted that the account was updated, which directly contradicts XXXX 's findings. This discrepancy raises serious doubts about the reliability and integrity of the information being reported by these agencies. 

Attached you will find Transunion 's response stated the account was updated that a change was made, attached you will also see XXXX 's response as the account was removed. What is true? Transunion has asserted that the account was updated, which directly contradicts XXXX 's findings.
Consumer complaint received 2022-03-11
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)

Im accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A. states 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 instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2019-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Finance Company, LLC (OK)

In early XX/XX/2019 I noticed an entry from The XXXX XXXX on my credit report. I sent a certified letter to XXXX XXXX XXXX XXXX on XX/XX/XXXX and that letter was received on XX/XX/XXXX. In the letter I stated there was an entry for {$620.00} on my credit report and just to simply get this off my report that I would pay {$310.00} which was half of the debt that was mentioned on my credit report. In the letter I also stated that cashing the check the company would be agreeing to completely remove this off of my credit report with all 3 bureaus and not report this as a paid collection or settled account. The check was cashed by a Continental Finance and when I check my report the entry was completely removed. I was alerted on XX/XX/XXXX that a company by Continental Finance has placed a charge off on my account for {$310.00} which appears to be the other half of the debt that was reported on my credit report. This seems to be a sister company to XXXX XXXX XXXX. So essentially, my money was taken and XXXX XXXX XXXX agreed to the terms of deleting this from my credit report and did indeed removed but turned back around and fraudulently had a sister company list this on my credit report. If there was an issue agreeing to the terms then the check should have never been cashed and a verification letter should have been sent to me and it was not. I have never had any dealing with Continental Finance so I'm not sure why they even have this account and further they are also operating as XXXX XXXX XXXX XXXX, so there appears to be 3 companies operating as one for this purpose. Since the company cashed the check they have agreed to have this completed removed from my credit report so it should not be there and I have kept all documentation. This company should be investigated to see how many consumers they are doing this to. In addition, they should be looked into to ensure that they are abiding by the SCRA ( Servicemembers Relief Act ) laws for XXXX XXXX members of 6 % percentage rate, I don't believe this company is following the law in regard to that and I'm curious how many other XXXX XXXX members are affected by that as a whole.
Consumer complaint received 2019-10-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (MI)

I have been receiving threatening phone calls about a debt ( that I don't believe I owe ), since XX/XX/XXXX fromXX/XX/XXXX. Several different people from there have called, when asked they say they are representing XXXX XXXX XXXX and that I'm going to be sued for not paying a GE Capital -XXXX   card. They ask about an address that I'm no longer at but never have asked for a new address to send all the legal docs but keep threatening that they are coming in the mail if I don't pay. XXXX XXXX even started calling my family members asking for my personal info telling them that I'm being sued, even going as far as threatening them. They never have said that they were attempting to collect a debt. They seem to be more concerned about getting personal info. and have always been very rude. Prior to these phone calls I have NOT received anything in the mail about owing this debt. I have several of the voicemails saved as does my family members that have been receiving the phone calls.
Consumer complaint received 2023-07-06
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. (NY)

ACCORDING TO 15 USC 1681XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX ( Original XXXX ) Account number : XXXX - IDENTITY THEFT XXXX  XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX Account number : XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Total Card, Inc. (FL)

I received numerous voicemails and am typing verbatim the message left. 

" This message is intended for XXXX XXXX ( spelled wrong ) my name is XXXX XXXX ( False name ) with XXXX XXXX   Customer Service. I'm calling regarding some paperwork that I received in my office yesterday under your name and social security number. You do need to be advised that I have request to place on my schedule a certified notice of intent regarding civil pending claim being filed against you. So before I saw your residence or even your place of employment I'm giving you a courtesy call to inform you you will be placed on my schedule to serve. All questions concerning this matter you need to contact XXXX. Refer your claim number XXXX.

The number referenced is different than the number called from which is XXXX I called back spoke with a person who identified herself as XXXX. I asked for documentation as I was unclear what she was talking about. Her response was I would get the info in court. Out of fear I paid this woman {$100.00} which I will never get back.She also stated there would be a {$120.00} processing fee. She stated she would email a credit card authorization form to me which she did not. I had to change bank accounts and am just trying to warn others. This company is not legitimate.
Consumer complaint received 2023-07-06
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. (MD)

I contacted XXXX XXXX about erroneous crit reporting practices and those accounts do not belong to me and this company is continuously reporting the erroneous account, which is causing a hardship for me, I can't gain certain employment or housing due to these circumstances.
Consumer complaint received 2019-04-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Client Services, Inc. (IL)

On XX/XX/2019 I settled a XXXX XXXX debt for {$210.00} dollars as a settlement in full. They told me that I did not owe the rest of the money and that they would have XXXX XXXX update the credit report within 30 days from a Charge Off to a Settlement in Full on my credit report. 

I just received notification today on XX/XX/2019 that the balance went down and XXXX XXXX is listing me as delinquent on my account. This has made my credit score go down. 

Client Services Inc. did not say that this would occur. They only said that it would go from a charge off to a settlement in full. 

XXXX XXXX the manager said today on XX/XX/2019 that they didn't have control over the credit reporting and another employee stated it could take 30 to 90 days. 

This is not what was indicated earlier when I settled the debt. They made false promises in order to collect money on this debt.
Consumer complaint received 2019-04-22
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. (PA)

On XX/XX/2019 I requested my free annual credit report from transunion. I gave my complete name, address, social security number. I have lived at the same address for the last 32 yrs, my name, address and social security number has not changed in 32 years.
Consumer complaint received 2023-08-19
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX BANK ) XXXX Balance : {$580.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (OH)

For the past couple of years, I had Experian credit monitoring service at {$24.00} per month. I decided I no longer wanted the service. On XX/XX/19, I called and cancelled. I was assured I would no longer be charged. I continued to be charged in XXXX, XXXX and XXXX. In late XXXX, I disputed the XXXX and XXXX charges with my credit card, who refunded those amounts. I also called Experian to again in XXXX to confirm my previous cancellation. I spent about an hour, talking to 4 different people, who at times either told me my account was in fact cancelled, or tried to tell me that I had a " different '' Experian account. Each person I talked to, however, could not provide me with a valid, current account number or a person to actually speak with to confirm whatever account I still allegedly have open.
Consumer complaint received 2023-08-18
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed