davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: New Southern Loans, Inc (NC)

This company is reporting a debt with a balance on my credit reports that was discharged in a Chapter XXXX Bankruptcy. I disputed the debt with the credit bureaus and it came back verified. I then sent this company a letter on XXXX XXXX, 2017 and they ignored it. Attached is my bankruptcy discharge and bankruptcy filing.
Consumer complaint received 2024-02-05
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. (IL)

I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate because we were never late and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : XXXX XXXX XXXX It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Consumer complaint received 2017-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MA)

Complaint against false advertising and misrepresentation. Applied for a XXXX XXXX XXXX credit card on XX/XX/XXXX which had a opening welcome bonus of 2 weekend free night certificate after {$2500.00} in spend. Called on XXXX XXXX to Citicard credit card application line to confirm my eligibility for welcome bonus before applying online. Rep confirmed that my prior XXXX XXXX reserve card opened on XX/XX/XXXX did not affect the bonus eligibility of the new card application in XX/XX/XXXX. However after being approved for the card in XX/XX/XXXX and spending {$10000.00}, Citi sent a letter that they would not honor the 2 weekend night certificate bonus. Called on XX/XX/XXXX to Citi ExecutivXXXX customer service line but rep XXXX reiterated that since my original account was closed on XX/XX/XXXX and since my XX/XX/XXXX application was 3 months shy of the 2 year bonus eligibility rules Citi would not be fulfilling the bonus.
Consumer complaint received 2024-02-05
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. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$15000.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX  XXXX Balance : {$4500.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$73.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: PNC Bank N.A. (CA)

XXXX XXXX  GiftCard purchased in 2014. Bank states that because the card was inactive after 12 months. They automatically deduct {$2.00} per month until active. We never used the two cards we had so we lost all our entire gift card balance. Explained that these fees were outlined in the agreement. Why should the funds expire? This is the banks stealing money from consumers.
Consumer complaint received 2024-02-05
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. (TX)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
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)

XXXX XXXX - XXXX In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX - XXXX In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-05
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. (MA)

I am writing to file a formal complaint against TransUnion, XXXX and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/scrub>XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Consumer complaint received 2017-10-27
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. (CO)

XXXX Mortgage incorrectly reported my loan being late 30 days, after contacting XXXX Mortgage they provided me a letter to aid me in correcting the report quickly. XXXX XXXX and XXXX corrected the error and Experian is still not correcting it. I have called Experian 3 times and when requesting to speak to a manager have been told that no one is available, and even been argued with and refused to allow me to speak to a manager. 

It has been over 30 days since I submitted the complaint and still nothing has been done.
Consumer complaint received 2024-02-05
Product: Credit reporting 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. (OH)

At this point I am frustrated with the fact that my rights are being violated and taking advantage of. I know my rights have been violated and you guys are the ones taking advantage of my rights. I am and have disputed the inaccurate accounts reporting to my credit profie. These accounts consist of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have disputed these items on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX and they are still reporting to my credit profile. Subsequently TransUnion also has an incorrect phone number listed, I have had the same phone number for over 20 years and the number listed XXXX makes me more suspicious that the wrong information is being reported. 
Per my recoreded phone call on XX/XX/XXXX with TransUnion I am to contact these Creditors listed on my account. which is another violation of the law. It is TransUnion responsibility to report accurate information and they are not. 

These companies have optained my information without my knowledge or consent. I would like these inquires removed from my report immediatedly.
Consumer complaint received 2021-08-06
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: TOYOTA MOTOR CREDIT CORPORATION (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-02-05
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. (MA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IL)

Received a text fraud alert on my chase credit card. Clicked the link in the text and provided personal info to include SS # and DOB. 

Later called Chase and they said there was nothing happening on my credit card. 

Heres the text message CHASE-ALERT : we have temporarily locked your chase account, visit at XXXX XXXX XXXXXXXX to recover Mobile # attached to this text was XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Peak Acceptance, LLC. (OK)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2024-02-05
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)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Demanding Equifax to complain with the FCRA laws and to immediately remove unauthorized on my credit report that are affecting me. I have sent numerous of documents to have this issues address but they have failed to address my concerns or complain. 
I spoke to XXXX XXXX at XXXX XXXX  EST today addressing this issue as this is my last attempt. Below I have listed the inquires and dates. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-05
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. (MI)

I submitted this complaint to update this suspicious information. Transunion and XXXX Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX  XXXX Balance Owed : {$2900.00}
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2017-10-27
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX and XXXX, 2017, I received repeated and harrassing calls/voice messages from XXXX, one XXXX XXXX, representing XXXX XXXX XXXX and saying he is calling about a debt. He advises me to call XXXX for any questions yet this number goes to Bank of America mortgage which is where I have a home loan which is current and not unpaid. 
Please help with this harrassment which has consumed two days for me. I have tried to contact XXXX XXXX at the above number at extension XXXX but he is not at his desk and has not returned by phone voicemail. 
Thank you, XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The credit Bureaus are reporting incorrect information in my credit report. I have asked for the information to be corrected. Information was sent that the XXXX account was paid in full and now has a XXXX balance. They are still reporting a balance of over {$4000.00}. This incorrect information is impeding my efforts of purchasing a home. They information was reported to the XXXX in XXXX.
Consumer complaint received 2021-08-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (OH)

Synchrony has closed my account that was up to date which in turn stop my website usage so I cant log in to pay the account they closed. Ive made calls to ask the reopen my login information so that I may pay the bill and each time the customer service representative was rude and now they keep reporting that my payments are late. My account was closed in XX/XX/2021 and Ive called twice a month trying to get this resolved.
Consumer complaint received 2017-10-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CO)

On XX/XX/XXXX we traded in our used XXXX XXXX for a XXXX XXXX with XXXX XXXX XXXX in XXXX XXXX, CO. On the XX/XX/XXXX we had a family medical emergency and our son was flight for life to XXXX Hospital in XXXX , CO . Which we were there for three weeks. During this time I received a phone call from our XXXX XXXX saying that we were over 30 days late on the XXXX that we traded in back in XXXX. I immediately contacted XXXX XXXX XXXX and spoke with a guy in the Finance Department. He looked into it and saw that we had not owned or had the XXXX since the date of XX/XX/XXXX and that the paper work that they had done on our new loan with the XXXX was done incorrectly and because of that the new loan was not yet processed and the credit union was not paid off because of this paperwork that was not done. He told me that this was immediately going to be corrected and that day they were going to down cut a check to XXXX XXXX XXXX CO for the XXXX and told me that they would take paperwork to them to show that we had not had possession of this XXXX since the beginning of XXXX. This was the first week of XXXX and now being XX/XX/XXXX, we noticed from a report that our credit has taken a huge hit. So, after calling the XXXX XXXX XXXX CO I was informed that they had just paid off the XXXX on XX/XX/XXXX. I have, once again called XXXX XXXX XXXX to tell them my issue ( again ) and demanded that they give me a letter or proof that we did not own this vehicle as of XX/XX/XXXX and that this needs to be corrected IMMEDIATELY!
Consumer complaint received 2017-10-27
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)

In XXXX I noticed on my credit report accounts from XXXX XXXX which I disputed as to their validity and also that the accounts were already paid under another debt collector and requested deletion. I never received information on the account in the 30 days nor has the account been deleted from my credit report. The delinquency is also listed as initially in XXXX which would as per XXXX OWN credit reporting policy of older than 2 years from initial delinquency it should have been deleted.
Consumer complaint received 2024-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am disputing this account because I do not recognize it and I previously filed a report with the FTC for identity theft, I received a letter saying that I had until XX/XX/2023 to contact you regarding this account that otherwise you would assume that this account belongs to me. here I communicate with you using my rights as a consumer. 

XXXX XXXX XXXX, XXXX. 
{$11000.00} This account is being disputed
Consumer complaint received 2021-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (OH)

XXXXan email came to me demanding I pay {$3900.00} and this is absurd. I do not owe this and I've been working on my credit for 5 years and this is not mine nor do I owe this to anybody.
Consumer complaint received 2017-10-27
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 have mailed several written requests to the credit reporting agency to remove all of the listed places of employment from my file. The information provided is incorrect. I have never worked for the XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX or any of the other companies listed in my report. The credit agency has failed to honor my request and remove this false information from my reports. It is causing issues for me when I go thru security screenings. I am asked very often to verify time period for places of employment that I have never worked. The credit agency needs to remove this erroneous information as soon as possible.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Despite the multiple previous written requests in TransUnion Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXX XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX