davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-07
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. (NJ)

I am writing to bring to your attention a concerning issue regarding the privacy notices and opt-out statements provided by XXXX XXXX XXXX as a data furnisher to TRANSUNION. It has come to my attention that XXXX XXXX XXXX be in violation of regulations requiring financial institutions to provide privacy of consumer financial information policy notices in writing to customers both initially and annually in writing, as mandated by federal laws and regulations. As per regulatory requirements, financial institutions such as XXXX XXXX are obligated to provide privacy policy notices to customers initially and annually in writing. These notices must detail the institution 's policies regarding the collection, sharing, and protection of customers ' non-public personal information ( NPI ). Additionally, customers must be provided with clear instructions on how to opt out of certain information-sharing practices. It appears that XXXX XXXX XXXX not be fully complying with these rules, which are designed to protect consumers ' privacy rights. Specifically, I have not received privacy policy notices in writing from XXXX XXXX as required, nor have I been provided with an opportunity to opt out of certain information-sharing practices. According to federal regulations, XXXX includes any information collected from customers in the course of applying for financial products or services, as well as information obtained from transactions involving financial products or services. Therefore, if XXXX XXXX collects sensitive information such as name, address, Social Security number, or other personal details from customers, they are required to provide annual privacy notices in writing for the duration of the customer relationship. I demand that TRANSUNION investigate this matter thoroughly and take appropriate action to ensure compliance with federal regulations regarding the privacy of consumer financial information. Specifically, I request that TRANSUNION hold XXXX XXXX accountable for any violations and require them to provide me with the necessary privacy policy notices and opt-out statements as mandated by law. Furthermore, I urge XXXX to implement measures to prevent similar violations from occurring in the future and to ensure that all data furnishers adhere to their obligations under federal laws and regulations. Please provide me with a written response detailing the steps TRANSUNION will take to address this dispute and ensure compliance with privacy regulations.
Consumer complaint received 2021-11-09
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. (CA)

There are hard inquiries on my consumer credit report. I have contacted the consumer credit reporting agency to have these hard inquiries removed. The hard inquiries are a violation of my privacy. The hard inquiries also violate the FCRA.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (KY)

Unauthorized transactions of someone using my Chime account. Total charges {$1500.00}. Personal and Witness statements have been sent to Chime. ID theft reports have also been sent. Chime is aware that an arrest has been made, and yet they have failed at crediting my account my missing money that is supposedly FDIC insured up to {$250000.00}.
Consumer complaint received 2021-06-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Placement Services, LLC (IL)

Did not receive my demand letter from this agency. Account now on my credit report. Have disputed with creditor twice. Have no knowledge they turned me to collections. On XX/XX/21 professional placement services have placed an account on my credit with no communication with me. I have disputed with creditor for improper billing per my insurance. Amount was for XXXX XXXX now they reported XXXX XXXX  to my credit. Per fdcpa I have 90 days to dispute with collections before it can be on my credit. I was not sent any notifications of this collections until alerted by credit.
Consumer complaint received 2021-01-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

XX/XX/XXXX : I went to XXXX 's and a secretary incorrectly filled out my insurance paperwork, when I had VA healthcare that had already paid for the situation I was there for ( XXXX from a previous VA XXXX coming undone ). 
XX/XX/XXXX : I then recieved ONE letter from Wakefield & Associates 5 months later, informing me of a 5 % interest rate price increase? I submitted a dispute through their website, and YEARS have gone by. I thought it was safe to assume the issue was resolved, considering this group hadn't made contact ; apparently it wasn't. 
XX/XX/XXXX : I noticed a new & backdated negative impact on my credit scores, which I removed within 3 hours, by submitting all the viable documentation I hold. I'm being charged a hidden made-up, ridiculously high interest rate, by this group, on something that was already paid for, and forged in my name. 
I am recieving no notices of the charges or any price increases, if any. A simple formula can help show people what they currently owe, yet their website is showing only a stationary number? Blatantly false information is being portrayed on their end. Why is their call center not readily available 24/7? How much do I currently owe ( according to them ), why do they not have an email set up? 
XX/XX/XXXX : I made a payment for the principle amount listed on their website and one letter I've recieved from them.
Consumer complaint received 2023-01-18
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. (TX)

In recently submitted a complaint under ID XXXX in regards to Experian reporting inaccuracies on my credit report. They have stated that they verified the information and sent out a letter on 10-16 with the results. I did not receive this letter or any document obtaining information regarding the verification of the accounts listed. I pulled my recent report with Experian and it did not show any method of verification used to validated these accounts listed in the responses starting on page 6 in the attachment. 
I am in disagreement with the items listed below which still appear on my credit report, even after they have investigated. I would like these items immediately reinvestigated. These inaccuracies are highly injurious to my credit rating.

1. XXXX XXXX XXXX  / Account # XXXX XXXX. XXXX XXXX XXXX / Account # XXXX XXXX. XXXX XXXX XXXX/ Account # XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual whom you verified the above, so that i may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections. 

Your cooperation and prompt attention are greatly appeciated. 

Thanks, XXXX XXXX
Consumer complaint received 2023-01-31
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. (IL)

I reached out to XXXX, XXXX, and TransUnion on XX/XX/XXXX asking them to verify these debts by contracts and signatures of mine I also sent them police reports they still haven't removed anything ( XXXXXXXX XXXX XXXX XXXX  ) {$1800.00} XXXX bankruptcy XXXX  XXXX XX/XX/XXXX, bankruptcy XXXX  XXXX XX/XX/XXXX, bankruptcy XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Ive sent multiple disputes to the credit bureaus in regards to my addresses being incorrect which have been ignored just like the letters that Ive sent to them from XXXX. The following addresses need to be removed because Ive already been a victim of identity theft & this doesnt need to happen again. As a result, I have multiple charge offs on my reports that do not belong to me
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

On or around XX/XX/2019, I mailed a letter to Experian requesting that they update my credit report to include my current address. I requested that Experian mail me a letter confirming processing of this request. I also asked Experian to mail me a letter if any further information and/or documentation was required. 

As of today, XX/XX/2019 I have not received a response from Experian. 

I am attaching a copy of the letter that I sent to Experian to my complaint.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WV)

I file this complaint to request that my Equifax credit report indicate that I do not dispute the account information for my XXXX XXXXXXXX XXXX XXXX I have attached my Equifax credit report. Please see page 24 of the XXXX. The comment section on my XXXX XXXX XXXX account states that CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS. There is no need for a dispute, and there is no need for a reinvestigation. I frankly do not know why this account is being investigated or disputed. I do not dispute the account information listed on this account. Please remove the comment. My ID, social security card, and a recent cell phone bill are attached.
Consumer complaint received 2021-06-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MI)

We were issued a {$250.00} digital american express gift card. The card was loaded via XXXX XXXX to my and my wife 's phones. The card was declined at four different retailers that accept both american express and XXXX XXXX 

The digital card was used in an attempt to pay for goods/services online, through several different retailers. The card was again declined at mulitple retailers, for amounts under the balance of the card. 

American Express has unhelpful. Multiple phone numbers they list simply hang up or are computer assisted only, without customer service representatives. I requested a statement credit on my Amex card we hold with them, declined. I requested a new physical gift card, declined. I was on hold for over two hours, and have not received any indication that we are working towards a solution.
Consumer complaint received 2018-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (DC)

I paid off $ XXXX in XXXX school loans in XX/XX/2017. There is no information on XXXX XXXX 's website about what happens when loans are paid in full. I received no paperwork from them concerning the loan status once they were paid off. 

I have been trying to find out when they close the account, because the credit bureaus are penalizing me because they are receiving no information on the state of my loans. I have called once and emailed twice. 

They should have policies about closing the account when loans are paid off. Their should be a deadline on their end for filing the necessary paperwork with me and the credit bureaus. When they wanted money from me, they were very quick to communicate. Now they have no problem stonewalling me when I need something from them.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (GA)

In early 2023 I signed up for an American Express Sky Miles XXXX card that included a bonus of XXXX Sky Miles. I met the required spending criteria and was never credited with the miles. After many, many conversations with them they have never been able to provide a coherent explanation of what the problem may be. I am at my wits end and would either like the miles credited to me or my card cancelled, my membership fees refunded and the points I earned applied to my other American Express XXXX  card. I received no value for the XXXX card and simply want to be made whole.
Consumer complaint received 2024-05-19
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: ARVEST BANK GROUP, INC. (OK)

We sold our house paid off the loan and XX/XX/year> Arvest bank has reported late payments for XXXX and XXXX of XXXX over XXXX days and because of this we were turned down for a new home loan.
Consumer complaint received 2021-11-09
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. (FL)

CFPB, PLEASE HELP!!! 

See the attached screenshot that TransUnion has just done. These people along with creditor are ruining my credit and dragging it down into the dirt. This account should not be reporting anything. This account was closed and satisfied years ago. I have never heard of a court named XXXX XXXX. How are these credit bureaus allowed to purposely damage consumers credit profiles. I'm asking For TransUnion and XXXX XXXX to completely remove this account from my credit report immediately or I will be forced to email the State Attorney Generals office here in Florida and show them the proof of what both companies are doing to my credit. STOP IT NOW!!!!
Consumer complaint received 2019-03-15
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. (TN)

XX/XX/2018 I asked for verification of dispute and copies of the documents that was used to verify the account as per my request reinvestigation was done still failed to provide me the name of the person in the company who verified the accuracy of these accounts which is violation of federal law
Consumer complaint received 2018-02-08
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. (VA)

I recently received my free annual credit reports. On Transunion and XXXX, my name is incorrectly reported. It is misspelled. I tried to open a dispute on-line but this didn't work and I had to call the credit company. The credit company, XXXX, told me I had to have the bank fix the error. I recently tried to refinance my mortgage with XXXX XXXX XXXX and had a terrible experience. XXXX refunded my fees, but now I have to ask them to correct my name on my credit report? This seems very unfair as the relationship with XXXX is poor due to the refinance experience. Please help me to remove the misspelled names from my credit reports. My name is XXXX XXXX XXXX, not XXXX.
Consumer complaint received 2021-11-09
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: Inflection.com, Inc. (NC)

As a condition precedent to violating my right to privacy, Inflection Risk Solutions , LLC, ( 'Inflection ' ) a consumer reporting agency per 15 USC 1681a ( f ) was to take proper procedures in ensuring it is reporting accurate information about consumers. As a debt collector per 15 USC 1692a6 in its conduct to conspire with XXXX XXXX XXXX to suspend my consumer account, it failed in its commercial obligation to protect the consumer. Absent a court judgment or without my prior written consent to use my nonpublic, personal property Inflection stole my personal property & used it for what I believe was profit, trade or gain of which I received no benefit nor knew about. By Inflection taking an adverse action against me, it caused me harm that violated my right to privacy, reported that I was a criminal & was the main source of my XXXX account being suspended leaving my family & I stranded for days, being inconvenienced in having to pay out more money to retain a place to live! In violation of 15 USC 1681a2, without first contacting me to verify if information it reported was mine or not, Inflection took the law into its own hands & took an adverse action against me, even though the information it reported was not mine! I do not take this crime lightly! I do not believe a company should be allowed in business causing harm to consumers that is not ethical, moral, legal or lawful! Nowhere in the FCRA or FDCPA is Inflection 's behavior authorized. The matter is not about confirming if a record is accurate or not. The violation occurred when I, a consumer was harmed by a third party debt collector intervening in my " private '' affairs that caused harm to me & my family. Where have I given consent for Infection to use my trademarked information in the 1st place? Can it provide my written consent to the CFPB? This is identity theft and unauthorized use by Inflection. What is Inflection 's claim of permissible purpose as I did not apply for any service, employment, etc., with them? What business is it of Inflection to intervene in my private matters & then profit for reporting misinformation that caused a harm to us? What model did Inflection use to make a legal determination about me? I believe Inflection discriminated against me when it used personal information to report negative and erroneous information it presumed was mine. 

Definitions : It, its, they refers to Inflection
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am writing to formally dispute inaccurate information that is currently being reported on my credit report. The account in question has been sold to a third-party debt collector, which means it has been written off and is considered settled. Consequently, there should be no reports of late payments nor any indication of an outstanding debt. 

The specific account details are as follows : Creditor Name : XXXX According to the Internal Revenue Service ( IRS ), a write-off is treated as income, which means the debt is no longer considered outstanding. Therefore, the continued reporting of this debt as delinquent or outstanding is both inaccurate and misleading. 

I am requesting that you : Investigate this matter thoroughly. 
Remove all negative information related to this account from my credit report. 
Confirm receipt of this complaint and the commencement of your investigation. 
Enclosed with this letter, you will find copies of documentation that support my position, including : Proof of the debt being sold to a third-party debt collector. 
Relevant IRS guidelines regarding write-offs. 
I trust that you will handle this matter promptly and ensure that my credit report is corrected. Please provide me with an update on your investigation within the legally mandated time frame. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue.
Consumer complaint received 2021-11-09
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: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-11-30
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: EQUIFAX, INC. (PA)

I have contacted all XXXX credit bureaus challenging the factual and accurate reporting of this account that is showing up on my credit report XXXX...... i have contacted them XXXX times and each time it comes back as verified as accurate ... ..how is this possible when there are multiple inconsistencies in the reporting between the XXXX bureaus???? i have attached a copy of the report with all of the inconsistencies circled ... ..they did not conduct proper investigations and are hurting ME the consumer ....
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

The balance of the account was sold to another creditor, and subsequently paid. The issuing lending/credit card issuer agreed to update payment status to " paid '' once notified account is satisfied. No updates have been made from Synchrony to the 3 credit bureaus. The lender 's note on my credit file is misleading because it gives the impression that the account still has an active balance owed.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by TransUnion Consumer Relations Your Investigation Results INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( XXXX ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated; Remarks ; Payment Received. Here is how this account appears on your credit report following our investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account Details Account Details Payment Status Pay Status >Account Paid in Full ; was a Collection< Date Closed XX/XX/XXXX Last Payment Date XX/XX/XXXX INFORMATION UPDATED : In response to your request, a change was made to this item ( XXXX ).