davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-02
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. (OH)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S, C 1681 section 602 A. States 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 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 persons know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have been a victim of identity theft, my information was expoused through the world wide web and account had been created with out my knowledge, I first learn about it back in XX/XX/19 when XXXX XXXX   tried to collect a debt from an account that was not mine they opened an investigation and cancel the collection because they realize that it was not me who originated this account, then I check my credit and found these other fraudulent accounts accounts that don't belong to me, I need you to help me resolve this situation, this has cause me to pay high interes and has diminich my ability to get credit. 
Please help me.
Consumer complaint received 2022-01-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (NC)

In XXXX of 2021, I filled out a paper application in a TJ Maxx store for a credit card. I was told by the store clerk this would not put a hard inquiry on my credit -- but I have a record saying on XX/XX/2021, I did have a hard inquiry. I provided my accurate email address and phone number on the application and on my TJ Maxx account. I never received further contact about the card, via mail, email, or phone number, and I assumed the application had not gone through. 

Today, XX/XX/2021, I checked my credit score to find out I had a bill from the said rewards card, owned by Synchrony Bank, which I have never received contact from. The bill was over 120 days overdue and I had never received contact about it. When I attempted to pay it online, I found I needed an account number, which I had never received. 

I called customer service and found the account had been closed, but I was able to pay it off using my debit card. My credit score has dropped over 100 points because of this incident and will take years to recover. I am single, almost XXXX XXXX XXXX, and can not rely on the credit score of a spouse when I need to use a line of credit. I'm infuriated, and frankly embarrassed, because I have otherwise never missed a credit payment and before this the only detriment to my credit score was that I am young and my credit is too new. 

I want Synchrony to take accountability for their lack of attempt to contact me, and for causing my credit score to drop so dramatically for a bill that was less than {$300.00}.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I keep sending complaint to you about these accounts and I don't understand why you keep posting them on my name. I never apply for anything and I have no idea where they came from! I believe someone hacked my personal information
Consumer complaint received 2018-02-20
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: EQUIFAX, INC. (IL)

I have tried numerous times requesting Equifax to send me documentation on how the " verified '' this alleged debt on XXXX XXXX. An Equifax employee informed me that they have no right to send that me that information in how they " verified '' the alleged debt. Also, was told that they can only send me a letter that states, " unchanged, deleted or verified ''. But according to FCRA, Section 611 ( a ) ( 5 ) ( A ) ( i ) and 15U.S.C. 1681g, I have the right to demand for those documents that are  used to " verify '' an alleged debt. But with Equifax refusing to do so. Equifax has violated my rights as not providing documents in how this alleged debt has been verified. I called Equifax on XX/XX/2018 at XXXX.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

On XX/XX/2016 my account shows that it was 60 days past due. This is very inaccurate and I have contacted XXXX XXXX about this late payment and I was told to call the credit bear. I filed a dispute with Equifax and the inaccurate report is still being reported on my credit report.
Consumer complaint received 2021-09-16
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)

Beginning XX/XX/2020, I sent my first letter to Transunion regarding inaccurate and unknown things on my credit report involving XXXX XXXX Credit Card and XXXX XXXX. I have sent several letters since then but to this day, I have not received a prompt and correct resolution from neither company. They keep improperly validating accounts that are not mine and its really XXXX me off. They have yet to provide me with the requested information that I sent in my dispute letters. They have no consideration for my health or well being and its hurting me and my family tremendously. Due to their lack of professionalism, I have received numerous credit denials and high interest rates that make it very difficut for me to be the best provider I can be to my family. The bureaus have caused me a lot of XXXX  and XXXX  and truthfully I'm tired of the XXXX! I have been fighting with them for almost a year about this inaccurate and unverified infomation on my reports. I feel like I'm being taken advantage of and my disputes are being ignored.In Section 611 ( a ), it is clearly stated that a failure to properly investigate these items within 30 days gives a reason to delete the items from my credit report. I've sent FTC letters to them as well since my information was in several credit data breaches and they still refused to properly investiate. I demand these items be removed mmediately! If they are not removed, I will file for litigation!
Consumer complaint received 2021-02-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Procollect Services LLC (ND)

Had several judgments filed and property seized without knowing what debt it was for or time period we awnsered on the third judgment and discovered bills from 15 or more years were being used to collect from me and my wife we have assists but vary little cash we are farmers these judgements are befor my wife even came to the us the bills for XXXX were a joint debt with my first wife XXXX its well past North Dakota statute of limitations as well the reporting to credit agency has stoped me from financing anything for planting and cost us to lose crops and opertunity of lower finance charges we want to settle this but feel we have paid the amount that was legally collectible and I have no way to audit money seized and applied please help us this hurting us XXXX
Consumer complaint received 2021-02-26
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: JPMORGAN CHASE & CO. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and JPMCB Card, XXXX XXXX XXXX, and XXXX XXXX  XXXX. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX/XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2023-04-06
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. (SC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX BANK XXXX Balance XXXX {$120.00} ; XXXX XXXX XXXX Balance XXXX {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$7800.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ;
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (TN)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2023-04-05
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. (NJ)

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 XXXX XXXXXXXX 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 XXXXXXXX, 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 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 2020-08-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF THE WEST (CA)

I have to make a wire transfer to a third-party company. 

I log into my Bank of the West account and go to the " Payments & Transfers '' tab. I have a few options there : - Bill Pay - Send Money with XXXX - Transfer & Payments Between My Bank of the West Accounts - Transfers to/from My Non-Bank of the West Accounts The last two are not relevant in my case ( wire transfer to a third party company ). XXXX also does not seem to be relevant since it is a direct payment to a friend or relative, simply through an email address of phone number. I am looking to wire money directly and securely to another bank account. 

I go to Bill Pay. I have to go through the cumbersome process of searching a Bank of the West affiliate before I can add the third-party I wish to wire transfer my funds to. 
The Bill Pay UX is confusing. They are not asking for the routing number, the bank info or anything from the third-party. I wonder how they will transfer the funds with just an account number. 

I double, triple-check the Bill Pay support page and FAQ : " Overview What is Online Billpay? 
With Online Billpay you can pay any company or person you owe. 

Quick Facts Pay anyone in the United States that you would normally pay by check, automatic debit, or cash. We send the money electronically whenever we can. If the person or company cant accept electronic payments, we print a check and mail it for you. '' I want to stress this part, which I consider false advertising, and which is the object of my complaint : " ... that you would normally pay by check ... We send the money electronically whenever we can. If the person or company cant accept electronic payments, we print a check and mail it for you. '' They are clearly saying they will transfer the funds electronically as long as the other party can accept them. This is my case. 

I proceed with setting up a Bill Pay but the confirmation I receive is " Your check is processing ''. Estimated date of completion : XX/XX/XXXX. We are XX/XX/XXXX. This is nothing like a regular wire  transfer. 

I call the Support line, get in touch with an agent who tells me that Bank of the West does not support wire transfers. This will be a future feature for customers. I can ask for a wire transfer by going to a local branch and pay USD {$35.00}. 

Their Bill Pay feature is definitely misleading. Their advertisement of opening a " Making paying bills a breeze '' with a Bank of the West account is also misleading : " Avoid late payments and penalties when you set up one-time, recurring, or expedited payments with our online Bill Pay. 
Pay bills anywhere in the U.S. quickly, easil y, and securely with our online Bill Pay. '' Where I live the " breeze '' does not take a check and 1 week to arrive ... Thank you for considering this complaint.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX, GA
Consumer complaint received 2018-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (ME)

Our initial complaint # XXXX, asked for a correction dating back as far as XX/XX/11. Thank you XXXX & XXXX for your partial effort. TD Bank finally recognized they made an error. They credited the over {$6000.00} in fees but would not recognize that every fee payment on our history should have gone towards our balance. Thus reducing the balance and interest calculations. They were supposed to send an updated payment history showing the correction and all payments to date. 
We again ask that all " FEE PAYMENTS '' since XX/XX/2011 are correctly applied to the " POST BALANCE '' as of the day they were charged. Thus requiring a recalculation of all since XX/XX/2011. 
This at the 11 % rate should give an accurate final payment so we can put an end to this nightmare.
Consumer complaint received 2024-02-27
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)

This is my first 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NJ)

On the date of XXXX XXXX I received a notification about my credit score stating that I owe {$5100.00} to Credence Resource Manage . The original lender was XXXX XXXX XXXX.
Consumer complaint received 2019-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

I did not close the account. I've had a {$10000.00} LOC with Discover Card since XX/XX/XXXX. It's used every month and paid off every month, never a balance. On XX/XX/XXXX the account was closed. 
They say it was closed at my request, the request was made by mail, they say. 
That never happened and the run-around I've been getting since affects XXXX XXXX it's so bad. 
As a note, the closure took place the same day I called in to Discover to arrange online access to my new, second  card with Discover, a corporate card. 
The Discover crew refused to provide a copy of the mysterious letter or any proof of anything at all. 
I hope the good folks at the CFPB can get that from them. 
I would dearly love to see the document they say exist but refuse to provide. 
Lastly, if you dear reader find the occasion to fight this fight with Discover, know they have a technique of rambling and repeating themselves on the phone ; it's maddening. It will take at least an extra hour of your life that you will never get back.
Consumer complaint received 2019-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Bass & Associates, P.C., Attorneys at Law (AZ)

Dozens of Times to try and speak with a representative and can never get anyone to answer. Wait times on a consistent basis of twenty minutes or more. Left voicemails multiple times over the course of months and no return call. 

Trying to debt resolved to stop further interest accruing and to help clean up credit. Finally get a hold of someone about 7 weeks ago to setup payment program and was advised of payment program and to setup payment program. Waiting on paperwork to be received and contacted rep after 35 minutes on hold. Advised my letter was just completed as it has to be hand typed????? Its been almost 4 weeks since last call and I received mail today XX/XX/XXXX advising the company Bass and Associates has been trying to reach me in which they havent. ( we can pull phone records if needed. 

I feel I may not be the only one as the company has terrible reviews online with same issue. My personal opinion is that they are doing on purpose to keep tacking on interest rate.
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I filed an dispute with Equifax XXXX times in concerns of my XXXX XXXX XXXX, on Sunday XX/XX/XXXX spoke with a represented in the XXXX, stating that XXXX XXXX is reporting accurate with the negative information on my credit, " stating that the account is a charge off of XXXX. Tried to explain that XXXX XXXX is stating that all of my credit reports should reflect, no charge off, paid in full and never late. 
He stated that is not what XXXX XXXX is reporting to them. 
I would like to start an investigation against Equifax for negatively impacting my credit for over an year when they have been provided accurate information several times by me and the consumer. 
I have attached both responses from XXXX XXXX First  complaint number # XXXX filed on XX/XX/XXXX Second complaint number # XXXX filed on XX/XX/XXXX