davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

They do not have my correct social security number, but are using my name and address to validate accuracy. The company that they are representing is XXXX XXXX, in which I did have an account previously see below, but is is paid and closed. They account they have had a credit limit over {$5000.00}, which I never had the luxury of ever having. This account has never reported on my credit file either.. This account is fraud. 

Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit - {$300.00} Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit - {$300.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Highest balance $ XXXX  Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NA - - - XXXX XXXX - XXXX - - - - - - - - On Time NA No Applicable Payment History - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account previously in dispute now resolved reported by subscriber Your statements -
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

First I do believe that all three companies do not make it easily accessible to obtain the free credit report, however, Transunion just makes it so that you have to buy their {$24.00} monthly monitoring in order to see your information. I tried multiple phone numbers and a handful of people ( all of them with conflicting information and it was very difficult to understand them clearly what they were asking me to do ). 

The XXXX  site when getting to the Transunion report just fails to authenticate ( does not ask the questions related to my credit history ). The other two sites do ask you to identify yourself. Transunion asks for e-mail and phone and then fails to authenticate. I also went to their XXXX for which I had a free account created years back. It allows me to log in and then I fail to authenticate for no reason. The only way to get my information online is with a credit card and {$24.00} monthly charge. 

The representatives have asked to e-mail to XXXX a copy of my driver 's license and/or passport as well as multiple documents such as credit card statements, etc. to what appears will not be a very secure address. This whole process is questionable and Transunion is not abiding by the regulations to allow me access to the credit information they hold for me.
Consumer complaint received 2016-01-27
Product: Credit card — 
Issue: Billing disputes — 
Company: BB&T CORPORATION (FL)

bb and t banks and credit card issuer numerous problems ongoing basis such as failure to give credit for cash payments made until at least two days later ; failure to monitor online giving of new bank accounts resulting in identity theft to us and not assisting in any way other than to provide XXXX toll free hotlines -- -- XXXX dollars was taken from our church account the moment they issued XXXX new bank accounts to criminals online with little or no safety protections for bank and credit clientele ; numerous credit care issues reported to them on phone and e mail and in certified mail -- all to no avail ; improper interest charges when card was current ; imposing overuse and penalties thus causing the account to go overlimit and then charging fees and penalties for that ; failure to be responsive to valid card inquiries ; failure to remove improper and unauthorized charges ; failed to send me a consumer credit agreement upon the giving of credit ; excessive use fees charged illegally ; failure to abide by state and federal laws for florida federal such as florida unfair and deceptive laws to protect consumers.
Consumer complaint received 2016-10-26
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: BB&T CORPORATION (PA)

I 'm a veteran and I 'm trying to purchase another home. BB & T has incorrectly reported my late payments on my previous mortgage to the XXXX major credit bureaus. They reported that I was 120 days late on my XX/XX/XXXX payment when it was the XX/XX/XXXX payment that was 120 days late. Due to this incorrect reporting, it is preventing me from getting financed for a new home. We have worked with BB & T for the past XXXX weeks to fix this issue with zero results.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

CAPITAL ONE Account type - Credit card Date opened - XXXX XXXX, 2020 Address CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Above Account created under CAPITAL ONE without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (FL)

Ive had this card since XXXX. I have made on time payments and was near the end of paying off this card. Synchrony lowered my credit limit of {$1000.00} to {$250.00} which in turn increased my credit utilization with no substantial reason. My FICO score is current over a 700 with no delinquent accounts. This is a way trap people and mess up their credit.
Consumer complaint received 2017-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX there was a total of XXXX unauthorized transactions on my account XXXX from XXXX and two from bed bath and beyond this day I was working at XXXX XXXX I called immediately after my card got declined and an error was made in my claim stating XXXX transactions were unauthorized which makes my claim inaccurate two days after filling the claim I get an email stating my cliam has  been resolved and that the transactions were VALID because I logged in to my account the on XXXX XXXX XXXX XXXX and XXXX but the TRANSACTIONS I WAS CLAIMING WERE DONE ON THE XXXX now they are refusing to open my claim even though I informed them of the error all they tell me is I have to provide proof to be abe to re open the claim but when I ask if my schedule is suuficent the rep says whatever I think is evidence is enough but then refuses to actually re open the claim saying I need to send in evidence showing I wasnt there on that day I asked if my schedule was enough again this time she said no because I would have to prove I was actually there and that it was my job to monitor my account. I have never wasted this much money at a store before especially not XXXX or bed bath & beyond and i never got a alert to my phone to authorize the transactions the card that was being used was not even mine because my card has a chip on it whoever copied my card had to of copied the back side of my card and cloned my card because I was working that day XXXX never intended for the rep to add XXXX extra transactions that were authorized which in turn got my claim denied
Consumer complaint received 2024-02-21
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. (CA)

According to the fair credit reporting act these accounts on my consumer report Account Number XXXX Account Number Account Number Account Number Account Number XXXX Dear Sir/Madam, I am writing to express my deep concerns regarding the inaccuracies and violations of the Fair Credit Reporting Act ( 15 USC 1681 ) and the Privacy Act of 1974 ( 15 USC 6801 ) in my credit report issued by your agency.

According to the Fair Credit Reporting Act, consumer reports are supposed to exclude information solely related to transactions or experiences, as specified in 15 USC 1681 ( i ) and 15 USC 1681 ( A ) Sec 2 ( i ). However, upon reviewing my credit report, I have discovered numerous inaccuracies that do not align with this requirement, violating my rights as a consumer.

Moreover, the inclusion of such inaccurate information also contravenes the Privacy Act of 1974, particularly 15 USC 6801, which emphasizes the obligation of financial institutions to protect the security and confidentiality of customers ' nonpublic personal information. I have disputed these inaccuracies in my report multiple times, and yet they have irresponsibly been verified without any transparent procedure outlined to prove their validity. 

These violations raise serious concerns about the integrity of the information in my credit report and undermine my ability to access credit and financial services based on accurate and reliable data. Should these issues persist, I may pursue legal action under the provisions of 15 USC 1681n for willful noncompliance with the law.

I demand that your agency promptly correct the inaccuracies in my credit report, provide a transparent explanation of the verification process used, and ensure compliance with all relevant laws and regulations, including but not limited to 15 U.S. Code 6802, 15 U.S. Code 6803, 15 U.S. Code 1681b, 15 U.S. Code 1681e, 15 U.S. Code 1681f, 15 U.S. Code 1681g, and 15 U.S. Code 1681i.

I request a timely response from your agency to address these issues and rectify the violations promptly. Failure to do so may result in further legal consequences to safeguard my rights as a consumer.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX last XXXX reported me delinquent to all 3 bureaus - i was instructed to send them my insurance check for 2 payments - sent XXXX  per their instructions - i hired an attorney who sent them demand letter - they did nothing - although i have a recorded conversation stating XXXX  was at fault - now i go into hospital w XXXX  - my bank sends them instructions to draft w a letter - they dud not follow it and again reported me delinquent - i now am able to talk - no XXXX  / i sent them another payment - this company twice has reported fraudulently to all 3 bureaus - i spent XXXX on attorneys and im a XXXX  survivor - XXXX - XXXX  - nothing has been done - ill file suit in federal court if this is not resolved in 21 days -
Consumer complaint received 2015-07-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First National Collection Bureau, Inc. (CA)

I had a delinquent account through XXXX XXXX XXXX XXXX. A collector called me over the XXXX yr collection time. Since I am working on my credit, we agreed on half the cost, {$1700.00} plus. I have record of payment complete. This was in XXXX or XXXX. On XXXX XXXX, I get a letter from First National Collection Bureau stating I owe {$3900.00}. However, this is an account number for a XXXX XXXX XXXX XXXX XXXX with my XXXX total. Furthermore, they used a name that I stopped using after my divorce from my first wife, nor have I ever owned a XXXX XXXX. I believe these practices are fraudulent. The letter states I have XXXX days to respond or I automatically assume responsibility. I have paid my debt, and I have good credit.
Consumer complaint received 2021-03-24
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (MD)

In XXXX my old mortgage company XXXX XXXX XXXX, XXXX sold my current mortgage loan to Freedom Mortgage Corporation. Freedom notified me by mail that all future payments would be made to Freedom Mortgage Corporation, and they provided me with a new account number. They never indicated whether my payment date was changed from the XXXX of each month. With the new account information they provided, I created an online profile for Freedom and linked it to my XX/XX/XXXX account. I began making all my Mortgage e-payments to Freedom as agreed at the end of each month. On XXXX XX/XX/XXXX, I applied for an auto loan with XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX, and I was denied financing for the total amount. I received a letter in the mail from XXXX stating the reason why I was denied. It said, Credit bureau report shows delinquent credit references, which was the reason for disapproval. I immediately pulled a copy of my credit report and checked it for inaccuracy. Freedom Mortgage reported two late payments to the credit bureaus dated XX/XX/XXXX and XX/XX/XXXX. I contacted Freedom disputing department and inquired about it. I informed them that this discrepancy was completely inaccurate based on all payments made by me on time and processed by my back XXXX. After a review with Freedom, who looked at my payment history from XXXX to XXXX. Freedom concurred that no payment was ever missed on my account. Freedom also permitted me to refinance my loan with them in XXXX for a better Annual Percentage Rate ( APR ) because my account was in excellent standing. Additionally, in XXXX of XXXX, they also offered me a reduction in my mortgage rate, which I took full advantage of. This account is currently closed because of my refinancing with Freedom. When I respectfully requested that they removed the late payments, their justification was, the payments were late, and due to the fair credit reporting act, they can not remove them. They informed me it must stay on my credit file for the entire seven-year duration until it falls off. Any help that you can provide will be greatly appreciated. This blemish has impacted my credit score and caused me to be subjected to financial bias.
Consumer complaint received 2024-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Delete the late dates and update the statuses of the accounts now. I've disputed and sent letters, but the inaccurate information remains on my report. Take immediate action to comply with the law, delete the late dates, and ensure my credit report is accurate no more delays or excuses! If you don't, legal action will follow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-02-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX  XXXX XXXX employees opened deposit accounts without consumers knowledge or consent and then transferred funds from consumers authorized accounts to temporarily fund the unauthorized accounts in a manner sufficient for the employee to obtain credit under the incentive- compensation program. XXXX XXXX  XXXX XXXX employees requested debit cards and created personal identification numbers ( PINs ) to activate them without the consumers knowledge or consent. Therefore, XXXX XXXX  XXXX XXXX engaged in unfair and abusive acts or practices that violate 1031 ( c ) ( 1 ), ( d ) ( 1 ), ( d ) ( 2 ) ( B ), and 1036 ( a ) ( 1 ) ( B ) of the CFPA. 12 U.S.C. 5531 ( c ) ( 1 ), ( d ) The Affected Consumer has concluded that XXXX XXXX  XXXX XXXX acts or practices violated the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., and its implementing regulation, Regulation Z, 12 C.F.R. part 1026 ; the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( f ) ; and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531 and 5536. The Affected Consumers issues this Complaint under 1053 and 1055 of the CFPA. 
IT IS FURTHER requested that : In the event of any default on XXXX XXXX  XXXX XXXX obligations to make payment under this Complaint, interest, computed under 28 U.S.C. 1961, as amended, will accrue on any outstanding amounts not paid from the date of default to the date of payment, and will immediately become due and payable.
Consumer complaint received 2020-05-07
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. (TX)

Trans union, and XXXX preventing me for getting anything approved they saying my social is not who I am I've sent my license and social security card certified mail so I know they have but don't want to remove statement
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have requested all original documentations. That is pertaining to a debt that is being reported on my TransUnion credit report. I sent a certified letter requesting that XXXX XXXX XXXX XXXX. To send ALL original documentations to a debt that is currently showing on my Transunion credit report. I sent the letter on XX/XX/year>. I received a confirmation letter from the postal service company. That it was signed for and delivered on XX/XX/year>. 
It's been well over 2 months since It was delivered and signed by the company. I have yet to receive any original documentations from the alleged debt. See Attached Documents of certified letter and signed date.
Consumer complaint received 2021-03-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (TX)

On XX/XX/XXXX, I was approved for a personal loan with Lending Club. I began making my monthly payments of {$730.00} on time from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I requested to defer my payments due to loss of hours and it was approved until XX/XX/XXXX. On XX/XX/XXXX I sent a new request to defer my personal loan due to decreased hours at work due to COVID 19. That request was denied. I called once again in XXXX to request a deferment due to loss of hours again related to COVID 19, and my spouse 's loss of income due to separation from the military. I was again denied. I continued to try to make any payments that I could- XXXX {$500.00} XXXX {$730.00} XXXX {$500.00} XXXX {$730.00} XXXX {$1000.00} XXXX {$800.00} XXXX {$1000.00} Prior to COVID-19, I have not had any issues paying the loan. As a result of my inability to pay, my credit report reflects 30-60day late payments, and has drastically decreased my score.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I REQUESTED TO BE ACCOMMODATED UNDER THE ADA. THEY SAID THEY WILL NOT ALLOW TDD, TTY OR XXXX CALLS AND THAT THE XXXX MUST WRITE SNAIL MAIL TO FILE ANYTHING
Consumer complaint received 2024-02-20
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. (OH)

In Accordance with the fair credit reporting act XXXX, Transunion, XXXX has violated my rights 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT ACCOUNT UNDER AN OPEN END CONSUMER CREDIT XXXX XXXX FOR ANY PURPOSE I recently reviewed my credit profile and noticed inaccuracies and incomplete information and account that are un-verified. according to the fair credit report act section 611 ( 5 ) A OF THE FCRA- YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THAT IS INACCURATE, INCOMPETE PR WHICH CAN NOT BE verified.

It is also my understanding that under the FCRA 15 U.S.C 1681i every single one even each any or all the unproven, non-complaints incomplete untrue incorrect and or unverified aspects of any alleged derogatory accounts must be negated in its entirety or alleged accounts are to be deleted.

The following derogatory accounts allegations are either untrue, unverified, incorrect, incomplete untimely not mine not mt responsibility or otherwise not proven compliant to regulatory federal reporting laws and or standards and must be removed immediately.

The infractions are as follows.

Alleging creditor and account as is reported as having late payments my credit report.

I am demanding that this account be updated to paid as agreed and never late.

By the provisions of the fair credit reporting act and per the standards of reporting compliance implemented with the CRSA enacted CDIA metro 2 COMPLIANCE regulations I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2021-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 46 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the wrong hands of the wrong person.
Consumer complaint received 2017-12-06
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: Focus Holding Company (GA)

I have attached a letter for the following Collection Account Companies.  Please dont take this message as a threat or any form of disrespect. You have been reporting the wrong information to the credit bureaus. I have caused total distress and my mental clarity. I am working with an investigator because I was affected by the recent credit breach. It seems to me that your company has violated my rights without my consent. I am unaware of any accounts or contracts between me and your company. I have filed a lawsuit and we are set to appear in front of a Judge in XXXX 2018. You will be notified by my lawyer moving forward. I have made attempts to contact you by certified mail and to be ignored. I kindly ask that you not harass me anymore I am distressed.