davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, 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  bankruptcy. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2022-08-17
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. (NV)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-06-13
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: Experian Information Solutions Inc. (LA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions violated my rights.
Consumer complaint received 2022-06-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA (IN)

Getting declined for an Apple Card by Goldman Sachs Bank USA for reasons that even any of the credit bureaus ' can not figure out and help me with it. There is a file of a copy of the letter attached to this FTC report.
Consumer complaint received 2019-03-21
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. (NY)

I have contacted Equifax repeatedly in writing and using the online dispute feature with regard to inaccurate information and negative remarks on XXXX XXXX XXXX accounts due to fraud. I placed a complaint with the Federal Trade Commission reporting the inaccurate account information and provided the info to all Bureaus. The Bureau added new remarks after removing the fraudulent accounts. I also have a police report regarding this matter. Therefore, all remarks on closed/removed accounts should remain off the credit report.
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I paid off my credit card with Bank of America in full. I received the letter from them two months later saying I have a balance and interest that was late. I called bank of America and explained the situation to them they told me they will adjust my credit back to its normal, they gave me ref # XXXX, a week later I received a later from Bank of America stating that they are unable to approve my request regarding my credit report and removing the 60 day late in XX/XX/2018.
Consumer complaint received 2018-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNT WITH XXXX XXXX BANK ACCOUNT # XXXX, APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Consumer complaint received 2022-07-21
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. (NJ)

I have been submitting multiple letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A XXXX PARTY OR AGENCY. I DO NOT RECOGNIZE THE FOLLOWING INQUIRIES ON MY CREDIT REPORT. THEY ARE UNAUTHORIZED INQUIRIES AND I DID NOT GIIVE PERMISSION TO ADD THESE TO MY FILE THAT IS A FCRA VIOLATION XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX
Consumer complaint received 2022-11-30
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: GOLDMAN SACHS BANK USA (FL)

When Marcus first took over GM we did not know they were on autopay so we sent {$100.00} in on our first payment not knowing they were taking out the whole {$510.00} that was on the account when we found out we stopped payment on it and called them and told the well they put the {$510.00} back on my account. I had no problem with that then a week later they charged me 2 more times for the same {$510.00} making my bill {$1500.00} you can add up all my purchases and see what the amount charged to the card is we do not use it much. They did give me credit for one of the extra charges on there but not the other. I have talked to 2 supervisors and 2 Managers along with their service reps about this issue it has been going on for a couple of months now. And they all see the same thing that they have overcharged me and put in a dispute showing exactly where the overcharged me. But they keep coming back with the billing is correct and denying it. We also have a problem with there bill pay we sent a payment from our bank for $ XXXX and said it was delivered on the XXXX XXXX my payment not due until the XXXX of XXXX then i got a letter saying they received no payment and hit me with a late fee. My monthly payment is {$29.00} a month and the charged me {$91.00} Which I had to pay over the Phone this seems to be an ongoing issue with them and they are hitting people up to get late fees. I talked to one of the service reps and said she could not wave the fee even thogh my bank showed it delivered it 5 days before my bill was due.
Consumer complaint received 2019-03-21
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. (TX)

I'm ask the credit bureau to remove fraud inquiry from my report they told me they don't dispute inquirys i need to contact the company and i did the company said dispute it with the bureau so i don't known what to do please help. XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX I did not open or authorize this account, and I therefore request that it be closed immediately. I am a victim of identity theft, and did not make the charge [ s ].
Consumer complaint received 2019-03-21
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: PNC Bank N.A. (PA)

i sent a letter to PNC dated XX/XX/2018 they never responded so i done more and more research how to go about information being reported incorrectly. They are saying {$400.00} was written off. This is false ive sent them multiple letters no response.
Consumer complaint received 2018-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This information the XXXX XXXX XXXX XXXX is reporting on my credit file is not my bill or account this has been on my credit for 5 years and is affecting my credit by law its is not right to report false information on my credit report by law I will sus this company if this is not removed this is Fraudulent That this company can do somethings like this
Consumer complaint received 2022-06-13
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: OneMain Finance Corporation (CA)

I filed bankruptcy in XXXX which included and account with : One Main Financial XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX After my bankruptcy processed, One Main financial re-reported the same account that was discharged in bankruptcy as being late and over-limit. 

I have disputed this matter with both XXXX and XXXX, who keep reporting the information is correct. My disputes were never that the information was wrong -- but that the information was discharged in bankruptcy and should be removed from my credit report. To date, the information is still on my report. 

XXXX and XXXX will not remove One Main financial from my credit. 

I have also notified One Main Financial of the bankruptcy and discharged debt. They still send collection notices and call to collect the debt -- post discharge. They still constantly report late payments to my credit report.
Consumer complaint received 2022-07-21
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. (NJ)

Regardless of the multiple written requests, the unverified public records, accounts and inaccurate information listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : 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 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MN)

I had a Discover Credit card opened in XXXX. I have used this card up to $ XXXX charged and paid it down to {$0.00} - I used this card to establish credit and have maintained this account as my longest credit line since opened. I depend on the length of time with this account to maintain a nice XXXX credit score. I last paid this in full XX/XX/XXXX. Today, I logged into my discover account and saw the message " there is a lock on your credit account. please call us ''. I always have a lock on my credit report so no new accounts are opened fraudulently in my name. So this was not a shock. But, when I called I was told my XXXX yr account had been closed due to inactivity. I have historically used this card every few years and have never had an issue. The online activity I can see also shows XXXX balance XX/XX/XXXX. I was told that I can reapply for a new card, but that they could not reopen it. I am not having a new credit inquiry hit my report, nor am I scrapping XXXX  years of good credit history. They claim they sent me a letter, but I do not recall receiving it - I truly would never have let this account close as it is important for my credit health.
Consumer complaint received 2019-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates (NC)

XXXX XXXX XXXX billed my family {$610.00} for treatment rendered in XX/XX/XXXX for the first time on XX/XX/XXXX. Because we were billed for this treatment long after the service date, I questioned the validity of the bill. I contacted the company and verified the debt, but because I had recently separated from my wife, there was some confusion over how the debt would be paid. I eventually contacted the company directly and asked them to divide the debt into two payments, and paid the first half of the debt immediately over the phone by credit card on XX/XX/XXXX and arranged to make the second payment the following month. I made the second payment on XX/XX/XXXX through online bill pay on my XXXX XXXX, and the payment was confirmed by electronic delivery. Little did I know, that despite my efforts to satisfy this debt in a timely manner. They immediately sent the second half of my debt to a collections firm, Prince Parker & Assoc. They did not report to this collections firm that I had satisfied the payment in full, and the collections agency continued to harass me for the debt even after I assured them twice that the debt had been satisfied on the above date. In a third call with an agent of Prince Parker on XX/XX/XXXX, I was told that it was my responsibility to call their client XXXX and ask them to confirm with Prince Parker that the second payment had been received and that the debt was satisfied. At no time did the agent with Prince Parker offer to confirm with their client that the debt had already been satisfied. Given the circumstances, the late billing, my effort to reach out and set up a payment plan, making the payment in full within 30 business days of my voluntarily setting up a payment plan, and XXXX sending the debt to collection anyway, and not confirming in a timely manner with the collections agency that the payment had been received, and the collections agency refusing to verify the payment with their client after two separate phone calls, and continuing to call me instead of their client during working hours. I feel like both XXXX and Prince Parker & Assoc. engaged in bad business and abusive collections tactics.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : Terminate issuing incorrect information to my Credit Report and all inquiries in the request that have been disputed must be removed.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following information deleted. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. XXXX XXXX XXXX XXXX Ohio XXXX, XXXX XXXX XXXX XXXX XXXX   Ohio XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX, The following addresses and the variation on my name are not accurate. My name is XXXX XXXX please delete all other variations of my name. I am no longer affiliated with these addresses I would like to have my credit report to reflect true up to date that is accurate information. My current address is XXXX XXXX XXXX XXXX Ohio XXXX.
Consumer complaint received 2022-06-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (MO)

To Whom It May Concern : I have yet another problem I am submitting to you in reference to 5th and 3rd Bank. They are continuing to cause problems for me pertaining to my XXXX  XXXX XXXX XXXX XXXX. I have made my payments on time since last year of XXXX, with the most recent payment made and cleared on XX/XX/2022, please see attached screen shot of my XXXX XXXX  Account, transaction circled in Red showing the payment has been made.

However, I received an email today from 5th 3rd Bank stating my account needs immediate attention. I called the customer service number, such that the representative communicated a payment has not been made and that I owe XXXX $ She asked if I had made a payment. 

I replied, I made a payment and it cleared my XXXX Bank Account on XX/XX/XXXX. 

The rep communicated that the payment was applied to the principle and not to the car payment. Additionally, she asked me if I select principle. 

I replied with extreme stress, I do not know what you are talking about. I made my payments on time all the time doing the same steps as always in the portal making my car payments. 

I am very stressed and angry at the 5th 3rd banking operations as they seem to change constantly. Either log in operations change or now payment operations change. 

I can not by any means afford to make a XXXX payment. They need to apply my car payments to the car payments and NOT complicate matters by asking questions with respect to how a payment is applied. I do not understand, its a car payment, not rocket science, as it should be simple, such as the following steps : 1. ) Log into Account/Portal 2. ) Select Amount to be paid, which I always select XXXX 3. ) Select Payment type.

4. ) Apply payment and submit.

How hard is it to have 5th 3rd bank comply with making a simple auto payment. I never in my life experienced such problems with a bank institution before. 

They need to apply my Car Payments to the Car Payment, and, not cloud matters that are un related.

The rep offered no solution, expect to ask me to make additional payment, which is unacceptable.

5TH AND 3RD BANK IS TO DO THE FOLLOWING : 1. ) APPLY THE PAYMENT ALL PAYMENTS ALL FUTURE PAYMENT TO THE CAR PAYMENT AND NOTHING ELSE.

2. ) CORRECT AND UPDATE MY CREDIT REPORT 3. ) REMOVE ALL ADDITIONAL FEES.