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

I looked at my credit report on Date, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on Date and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

This is unfair and if they are doing this to me imagine who else they are doing this too.

Here are the list of accounts that are not reporting accurately delete accounts immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-04-07
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. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}
Consumer complaint received 2019-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MD)

My Wife upgraded her American Express Gold card to a Platinum card. During that process requested an additional card be issued in my name and provided all necessary information such as DOB and SSN to have the card issue. American Express sent a letter denying the request for the card and in the letter it instructs " if the additional card applicant would like to know the reason for our decision or has any questions they can call us at the number below XXXX. '' Twice I have called to find out the reason fr the adverse action taken against me as instructed per the letter. Each time they have refused to give me a reason for the adverse action. I pass every security question that is asked of me, yet they refuse to tell me why they are not issuing me a card.
Consumer complaint received 2019-04-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (CA)

On XX/XX/XXXX, I received a call to give me notice that I was to call XXXX XXXX at XXXX reference XXXX. 
When I called I was told there was to be a legal action filed against me concerning US Bank Account from XXXX, I stated that i received no notice concerning this and the item was never on my credit report and I demanded something in writing itemizing their claim so I may dispute the claim. I was told that I could respond to the summons and complaint unless I paid them {$1200.00} immediately, And if it went to court I could owe over {$4000.00}.
Consumer complaint received 2018-09-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (DE)

Phoenix Financial has reported a disputed debt from 2013 which is past the statute of limitations in the state of Delaware ( 3 years ), also have called and threatened to file suit when it is past the statute of limitations as well and they are not within their rights to do so. They also reported this single debt to my credit as 3 separate debts thus far. They are violating my rights under FDCPA and I will file a complaint with the XXXX, FTC, FCC, their local attorney generals office and any additional office that I find. If they do not remove this negative report from my credit within 10 days, I will be forced to explore my options with litigation.
Consumer complaint received 2023-04-07
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. (PA)

Fraudulent accountant increase appearing on credit report. 
Accounts 1. XXXX XXXX {$430.00} 2. XXXX {$930.00} 3. XXXX XXXX XXXX {$550.00} 4. XXXX XXXX XXXX Simple {$5000.00} 5. XXXX XXXX XXXX {$15000.00} Inquiries XXXX, 2XXXX, 3. XXXX XXXX XXXX
Consumer complaint received 2019-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

I have been a customer of Chevron ( who's credit card is handled by Synchrony Bank XXXX since XXXX and always paid my bill in full each month. However, on XX/XX/XXXX I transposed the numbers and should have paid {$580.00} but actually paid {$580.00} which is a XXXX difference which they charged me {$5.00} interest. They say this is how they calculate interest at 29.24 % APR but they can charge the public on all purchases that month not just the XXXX I left off. On the back of the bill they can calculate the interest by their Method 20 or Method 2M. A lot of consumers are getting ripped off if a XXXX cent error is charged {$5.00}. How they can charge interest on all the purchases during the month and more than the XXXX is beyond me when I paid the entire bill except for this amount when I transposed the numbers.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Back in XXXX i had an alert to 4 charges to my capital one card, through walmartXXXX and another vendor out of XXXX. I called capital one and told them it was a fraudulent charge. They supposedly put a stop to it, credited my account and told me to contact walmartXXXX. I then called walmartXXXX and put a stop on delivery. I received and still have emails from capital one and walmartXXXX  stating stops on both. In XXXX, XXXX night @ XXXX the credit disappeared and i was supposedly responsible again. I called capital one again and they launched a supposed investigation. I then recieved a letter stating that my fraudulent charges had been extinguished and not to worry, allow a couple of weeks and everything should be back to normal Now end of XXXX they see that 2 charges were fraud but not the other 2. Capital one has done nothing but harass me with emails trying to collect on a mistake that they made. Constantly emailed or called informing me on ways to pay them on a fraudulent charge. Capital one also informs you that they are recording you but you not allowed record thier confusing, fraudulent dealings on how to take the customers money but pay the supposed seller. I am at the end of my patience and feel nobody is out there to help me.
Consumer complaint received 2019-05-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (FL)

I C Systems has engaged in harassment by continuously reporting the same debt to at least the credit bureau, XXXX. The debt was reported four times in less than 30 days. This was an effort to pressure me into paying them and obliterate any creditworthiness I may have had. The debt is in the amount of {$9800.00} ; the original creditor is XXXX XXXX XXXX. By repeatedly reporting the debt back to back my credit rating was destroyed. This tactic was intentional and deliberate. 

The debt was reported on XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. It is common knowledge among debt collectors that if a consumer disputes a debt this too may also lower their credit score. I C System Inc. abused the credit reporting system by not only using XXXX   reporting to harass me, but also continuously report the debt in hopes I would dispute the debt as well. Since I received notification of the derogatory entry on my credit report, I have not claimed ownership of this debt ; however I C System continued to practice unethical debt collection practices via credit bureau reporting ( harassment ). 

Prior to the debt appearing on my credit report, I never received any notifications from either the debt collector or the original debtor so that I could dispute the debt.
Consumer complaint received 2019-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

My second mortgage was purchased by XXXX XXXX XXXX in XX/XX/2019. This is a down payment assistance loan that initially started out at XXXX. When the loan transferred to XXXX XXXX XXXX the balance on my loan reset to XXXX and my additional principal payments made ( clearly intended to go towards principal ) on loan were applied to interest. I've called multiple times with no resolution and receive a different answer each time. I also submit disputes through the CFPB, but in the response letters no one answers or the number is wrong. Loan Care is  servicing the loan and will not assist with correcting the issue. My balance for this month is even doubled! They keep telling me that this is an interest only loan and any additional payment made will go towards interest. In the note it clearly states that I can make prepayment and they'll be applied toward principal. I spoke to my closing attorney and previous lender. The attorney reviewed the note and stated that prepayment can be made to reduce the balance. I am requesting that Loan Care research my prepayments on the old loan and adjust the new loan balance. I am also requesting that the payment amount be corrected before I make another payment. This is my last attempt before I file a claim with my local court and seek damages.I have made an extensive communication trail and find this to be unacceptable. Old Account ( before transfer ) -  XXXX New Account ( after transfer ) - XXXX Both accounts were serviced by Loan Care. Please read the entire note and addenda. It states PREPAYMENTS CAN BE MADE TO REDUCE THE PRINCIPAL BALANCE. YOU MUST READ THE ENTIRE NOTE!
Consumer complaint received 2019-10-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX ; Experian and XXXX are reporting incorrectly ( 120 ) days late on the XXXX XXXX account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages 5, 6, 7, and 8 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line  items need to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.
Consumer complaint received 2019-10-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  ; XXXX and Transunion are reporting incorrectly ( 120 ) days late on the XXXX XXXX account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages 5, 6, 7, and 8 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (TX)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00}
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

File # XXXX reason : reason- I contacted Transunion on XX/XX/2019 to dispute inaccurate reporting items listed in my file.I do not believe it is correct. Transunion sent me back a dispute result where they claimed to have verified in which Transunion has not furnished any documentation whatsoever which means they are reporting false information.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Experian credit report increased 3 points XX/XX/2022 Score went down 3 points XX/XX/2022 Credit score went up XX/XX/2022 Credit score went down 27 points XX/XX/2022 There have been no new negative items on my Credit report in several years and experian is dropping my score with no explanation given and no evidence or negative changes.
Consumer complaint received 2019-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (NY)

Last XX/XX/2019 I was fully paid my balances included interest charged.On this XXXX statement I have XXXX balance but they still charged me worth of {$36.00} for this statement.I called the company and I spoke the manager her name is XXXX to requested to waived this interest charged because I have XXXX balance for this XXXX statement .But, she denied my request.Im complaining this company because This not fair to charged me additional interest with XXXX balance in my account..
Consumer complaint received 2022-03-30
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. (SC)

There are unauthorized inquiries on my Transunion consumer report. I reached out to Transunion regarding this matter with no resolve. My consumer rights have been violated.
Consumer complaint received 2019-10-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

My husband and I have had our Best Buy card for 10 + years and during those 10 + years they have lowered our credit limit to equal the balance we had on the credit card, which made us maxed out on that card. Our scores took a big hit because of that. They have lowered our limit several times over the years for " lack of use, '' and have threatened to close the card if we don't use it within a certain amount of time. 

They offer no incentives to encourage spending. And right now our limit is so low we couldn't buy half the stuff in the store even if we wanted to. They have not lowered our extremely high interest rate ( not even by measly 1 % ), even though we have excellent credit scores and a perfect credit history  with them. They have not raised our credit limit back up even when we were making a conscience effort to use it on a regular basis, just so they wouldn't close it. 

No promotional offers whatsoever. The only thing that they have offered are XXXX dollar off next purchase, because of what we spent on our previous purchase. I know they are not the only store card company that stoop these tactics and it is very sad. The only reason I keep them is, it will hurt our credit if they close the account, because we loose that credit history. 

I'm to the point that I just might let them close it so I can be done with them once and for all. Yes, our credit will take a hit, but it won't take long for us to bounce back. They will definitely need us before we need them ever again. In fact, I will never apply for another store card period. They are the worst and they do more harm to your credit than good.
Consumer complaint received 2019-10-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (SC)

Called repeatedly every day multiple times. 

When I answered I told him I was at work and couldn't speak to please mail all items. 

The continued on and said he works the same hours I do and went on and on even when I said I needed to hang up so I wouldn't get in trouble at work. 

He came across very threatening to me. Please pull the audio recording.
Consumer complaint received 2022-03-30
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)

I did not approve these 20 or so inquiries on my credit report this has caused me absolute financial difficulty please remove these asap ... .this is a violation of my rights under the fcra
Consumer complaint received 2019-10-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NY)

I had a previous issue with my checking account which i have resolved by obtaining a different checking account with a new bank however because I have had too many NSF checks because of the previous bank I was with Santander Consumer USA will not allow me to either make payments online or send a check to them as they will not accept them and they expect that I now either call in and pay with my debit and pay an outrageous fee on top of the ridiculous interest I already pay them or they expect me to use XXXX XXXX or XXXX XXXX  which costs even more in fees to pay my bill.. What I am seeking is for them to accept check from the new banking institution that I am with and allow me to use the free pay options that they offer to other consumers. I feel as though I am being held hostage and being discriminated against because I don't have the same options to pay my bill with no fee that every other customer has. I want the ability to either send a check to them and have them accept it or to be able to pay online. I cant even pay the lower fee of paying with a debit card online as they have that locked too. I don't have the time to be calling them every month and speaking with them is very stressful because I don't get consistent information with my questions. They are the worst financial institution I have ever had to deal with. Hopefully the CFPB can help restore my opportunity to be treated as an equal consumer amoungst my peers.
Consumer complaint received 2024-03-03
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. (FL)

XXXX XXXX XXXX XXXX Disputed account # [ XXXX XXXX # XXXX ] XX/XX/XXXX XXXX and TransUnion is claiming they investigated what I have disputed about late payments : however, they just sent a copy of my consumer report thinking I am stupid enough to accept that as confirmation a of an investigation. I request deletion of the late payments from XXXX and XXXX. Attached is the last letter I sent them.