davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-11
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. (PA)

My credit was destroyed by identity theft and I have done nothing but suffer from having poor credit I have complained multiple times and disputed many accounts that were opened in my name I filed XXXX XXXX bankruptcy in XXXX and the problem im having is I never opened new accounts my info was compromised and the credit bureaus have done nothing to fix this I have not applied for no new accounts and they will not fix the issue Im tired of disputing info when they were all aware of the identity fraud this has been going on for almost 2 years and Im tired of trying to fix this I need help to correct these errors
Consumer complaint received 2024-02-11
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)

I am writing you this notice as a follow up for my previous notice sent XXXX days ago from the date of this letter, to disputefraudulent unverifi able information on my credit report. The information you are reporting is inaccurate is resulting fromidentity theft. 
The following addresses listed below which appear on my credit file does not relate to any addresses I have lived at.
Consumer complaint received 2022-07-16
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. (MO)

I sent my Complaints # XXXX, XXXX, XXXX last XX/XX/XXXX but when I checked my Complaints, it seems that you have closed it on the same day. I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove these items not later than 4 business days. Here is the list of erroneous items found on my credit report : XXXX XXXX : {$530.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$510.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX & CO XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1100.00XXXX 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 2024-02-11
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)

In accordance with the fair credit Reporting act XXXX Account # 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 without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-07-16
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. (AL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, AL 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 XXXX0}
Consumer complaint received 2022-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one has locked my checking account with my money for years now, they claimed they were doing an investigation, but never sent me the details or refunded my money back to me. Robbing me of my hard earned money. I demand my funds be released to me asap.
Consumer complaint received 2024-02-11
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. (MS)

Viewed the credit report and it shows that the XX/XX/2023 payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/2023. A payment is {$250.00} was paid on XX/XX/2023, at XXXX am confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/2023, at XXXX am confirmation number XXXX. Called XXXX and spoke to a supervisor at XXXX XXXX, he verified that the payments were made correctly and documentation would be made on the account. A total of {$510.00} was made for the month of XXXX. They fixed the problem and reported it current and when I checked it today they changed it back 30 days late when it was not 30 days late. If this error does not get fixed I will get my lawyer involved. On XX/XX/XXXX, it showed correctly on my credit report now in XX/XX/XXXX its showing incorrectly.
Consumer complaint received 2022-07-16
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. (NJ)

Company responded on XX/XX/XXXX as a result of their investigation through the CFPB. 
Account # XXXX was " UPDATED '' and according to the credit bureaus the account is still reporting discrepancies. that I will attach below. 

{ XXXX } { XXXX } Errors & Inconsistencies Found : The date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Transunion is reporting XX/XX/XXXX. The date of date opened is inaccurate. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Transunion is reporting XX/XX/XXXX. Credit limit, balance, high credit, payment history is also inaccurate. 

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. unless you want to be held {$1000.00} per violation.
Consumer complaint received 2022-07-16
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: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting act Account XXXX XXXX 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 2024-02-11
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. (NC)

I am writing to bring to your attention a concerning issue regarding my credit report. Upon reviewing my credit history, I discovered several inaccuracies that have negatively impacted my credit score. It appears that there are discrepancies in the reported information, which do not reflect my financial behavior accurately. 

XXXX XXXX XXXX is reporting a Charge off on XXXX and XXXX of XXXX through XXXX. There aren't any indications on this report showing missed payments of 30,60, or 90 days. Report shows good payment history and then goes right to charge off. This account was paid in full durning this same time frame. 

Furthermore, XXXX and Trans union are stating a charge off but reports reflect " none reporting '' for the entire term. 

I kindly request that you conduct a thorough investigation into these discrepancies and take the necessary steps to correct the inaccuracies promptly. 

I understand that errors can occur, but it is crucial to rectify them as soon as possible to avoid any further repercussions. I appreciate your prompt attention to this matter and your cooperation in resolving it efficiently.
Consumer complaint received 2022-07-16
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. (UT)

Here is the list of hard inquiries that i do not recognize. 

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 2022-08-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX and XXXX were able to delete this debt. What are you showing that proves and keep you from deleting this debt? If you can not show me then you must follow suit and delete this debt as well. Also, in accordance with The Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 15 US C 1681 Section 602 A states I have a right to privacy. 15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-16
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. (CO)

In accordance with the Fair Credit Reporting act Account  XXXX XXXX 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 2024-02-11
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. (RI)

I initiated communication with XXXX XXXX XXXX by sending a letter requesting them to opt me out of reporting for account number XXXX. Regrettably, not only did they neglect to fulfill my request, but their response was unrelated to my original letter, which explicitly asked for opting out of reporting. I have attached the original opt-out letter along with their response, two documents providing opt-out laws and their definitions, and a copy of the account details from all three reporting agencies. The documents reveal several inaccuracies present in the reports, and all relevant dates and information pertaining to this complaint have been provided for your review.
Consumer complaint received 2022-07-16
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. (UT)

Here is the list of hard inquiries that i do not recognize. 

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 2022-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (CA)

The monthly statement on my Venmo credit card ended on XX/XX/XXXX and cash back rewards were supposed to be sent to my account within 3 business days. I learned that my account was closed by Venmo on XX/XX/XXXX and cash back was forfeited. Since I did not close the account I don't think it's fair for me to forfeit my cash back.
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Okay so I have disputed this account on several occasions for reporting inaccurate information on my credit report. The account status is showing account not disputed which is inaccurate information. I tackled this account so many times and nothing has been resolved. 

I want to seek damages for financial injury for inaccurate reporting according to 15 usc 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} per violation or this account deleted from my credit profile : XXXX XXXX- XXXX
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (KY)

US Bank charged me a {$30.00} returned payment fee 24 hours before notifying me of a returned payment. During this time my account showed that the original payment went through and nothing was out of the ordinary. When so called about the issue on XX/XX/XXXX a representative told me that I would have to speak with a manager who would call me in 48 hours. This never happened. On XX/XX/XXXX I called back and another representative told me there was no record of the conversation or a request for a manager callback. The representative then said she could put it in this time and said the manager would call me back in 48 hours. It is now XX/XX/XXXX and I have not received a single phone call and my account still shows a fee.
Consumer complaint received 2022-07-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MD)

XXXX at XXXX sent an eviction email to all residents during covid who were not able to pay their rent. The eviction date was XXXX XX/XX/2020, I moved out XXXX XX/XX/2020. The attached letter from Columbia Debt Recovery LLC, DBA Genesis, charges me for rent in XXXX, XXXX, XXXX, and XXXX, even though I had moved out. It also looks like they charge me for rent in XXXX, XXXX, and XXXX, but those months were paid. I have asked numerous times for XXXX ) proof of nonpayment and XXXX ) explanation of the amount due, but have not received any information. Every time I call to speak to someone, the person I spoke to before is never available, and I have to explain everything all over again. I just want an explanation of the debt but they keep avoiding answering my questions. 

XXXX sent to credit bureaus disputing the amount and requesting debt validation. 

XXXX received from company, does not validate debt, only lists amounts with no specifics. 

XXXX called Columbia Debt Recovery LLC , DBA Genesis XXXX and spoke to XXXX XXXX XXXX informed her the information on the debt validation letter was wrong. I moved out of the property XXXX XX/XX/XXXX, per the eviction email sent to all residents. XXXX was not aware of the eviction email, I sent her a copy, but she never replied. 

XXXX called Columbia Debt Recovery LLC , DBA Genesis XXXX and spoke to XXXX XXXX XXXX XXXX him I never received a response from XXXX. I again requested debt validation ; he said it takes 15 days. 

XXXX called Columbia Debt Recovery LLC , DBA Genesis , spoke to Sam, he said XXXX and XXXX were not available. I asked for a follow-up to my debt validation request, he said they already sent it to me. I informed him the information was incorrect, and I requested a breakdown of the amounts. He said their office requested the information from XXXX at XXXX, and it can take up to 30 days, but could not tell me when the 30 days started. I mentioned it had been more then 30 days since I spoke to XXXX and asked him for the exact date of that request. He said he could not provide that date because I am not their only case, and to I am not their only case, and to call back later. 

XXXX called Columbia Debt Recovery LLC , DBA Genesis , spoke to XXXX, she said XXXX and XXXX were no longer managing my case, and XXXX was as of today. I informed here the information provided was incorrect and requested a breakdown of the amounts. She said they requested that information in XXXX but could not give an exact date. I said I will call back in the beginning of XXXX, that would be more than 30 days after speaking with XXXX and XXXX.
Consumer complaint received 2022-07-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IN)

Comenity back has supposedly been going through a " planned system update '' since around XX/XX/XXXX. I have been trying to call Comenity as well as XXXX XXXX and they aren't taking calls. The line hangs up on you. I have tried online and you can't do it online. I have been charged fees because I can't make a payment but we can't make payments because the entire system is down. So far I have been trying to talk to them on XXXX daily, call daily, and check the website daily. It's a nation wide outage. No notice was sent out of any kind of update occurring and this doesn't sound like an update. It's been almost a month since this all started and millions of customers are angry. The bank keeps posting on social media that customers can access their accounts, but we can't! You can't even cancel the card because there isn't a customer service connection of any kind.
Consumer complaint received 2022-07-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MI)

I went to make a payment to my insurance company through PayPal, I have over seven different accounts with PayPal so just like any other transaction I thought I would be prompted to select which account I want to use. I was not and what happened was they automatically selected my bank account. I went onto PayPal to try to change the payment method and at that point I determined it was too much of a hassle so I cancel the payments and paid through my own independent method. In that time PayPal attempted to take that same money which was {$310.00} out of my account three times which then XXXX calls for me to be charged overdraft fees. I reached out to PayPal to inquire about this as well as asked them to give me my money back for my overdraft fees and I was told that they would give me a letter but there was nothing else that they could do for me. I spoke with a XXXX who is a supervisor in the debt collecting department, which I was not supposed to be connected with to begin with because the money had already been taken out of my account.
Consumer complaint received 2022-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (CA)

I received a letter from PennCredit Corp ( reference XXXX ) stating that I owed them {$570.00} for XXXX XXXX ( XXXX ). I do not and have never had an account or dealings with XXXX XXXX. I believe this is a fraudulent attempt to collect money I do not owe. I am requesting that PennCredit Corp stop sending me letters and stop this fraudulent attempt to get money from me. 

Thank you
Consumer complaint received 2022-07-16
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: EQUIFAX, INC. (NY)

I've been going back and forth for the last few months with Equifax about this particular account and it's ridiculous. It needs to be removed ASAP. The Equifax has stated my account was properly investigated but how is that possible if the information on my XXXX XXXX Account # XXXX is inaccurate. The high balance is inaccurate, the date of last activity is inaccuarate, the date reported is inaccurate, the date opened is inaccurate, the last payment is inaccurate, and the credit limit is inaccurate. Literally XXXX is claiming the account was not charged off until XX/XX/XXXX, XXXX is claiming the account was charged off XX/XX/XXXX and they received the last payment XX/XX/XXXX, the big bad wolf Equifax Is claiming the last payment received was on XX/XX/XXXX. The information is all over the place. 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 602 A Section 2 : It Also states a consumer reporting agency can not furnish without my written instructions.
Consumer complaint received 2024-02-11
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.