davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
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. (MO)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX Balance : {$360.00}.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERIS BANCORP (AL)

I got behind on my mortgage payments. I worked hard and paid three months at one time. I paid XX/XX/2020, XX/XX/2020, and XX/XX/2020 all on the same date, XX/XX/2020. XXXX and XXXX were late. XXXX was not late, but Ameris incorrectly reported XX/XX/2020 as being more than 30 days late. I have struggled to correct this issue since last XXXX when I noticed the mistake. I can not get them to understand that XXXX was not late. I am not disputing that XXXX and XXXX were late. I have been told numerous times that it is being worked on and they recognize the mistake, but it has to be corrected through the research dept, but there has been no resolution. I am out of options of how to correct this mistake, but I am desperate for it to be fixed on my credit report. It is affecting my life with interest rates being higher than they should if this were not reported incorrectly
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have been in communication with XXXXXX/XX/XXXX for several weeks now, about the balance of my account reporting inaccurately on my credit reports in all XXXX  credit bureaus, XXXX, XXXX, and Transition, and how it has been negatively impacting my ability to qualify for credit and being detrimental to my quality of life. 

They have refused to communicate effectively with me by phone or by email, and have been trying to put the responsibility off on the credit reporting agencies rather than accurately changing their reporting data. 

Their contact information is as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX I have closed my accounts with them, and I am asking that their account does not report to my credit report on any of the XXXX bureaus and be removed immediately, please! 

Thank you!
Consumer complaint received 2024-02-14
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-05
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I spoke with some one from XXXX XXXX Capital One letting them know I never authorized nay card to be open in my name I asked XXXX if they could verify that I had applied for this card that they are reporting they stated the card was opened on line with my information I did not open this card and this. Closed account reporting is fraudulent, I have also had the same issues with Capital one I never opened any Credit card through their company they to stated it was an online opened account! During the time I was staying will people while attending school my identity was used I never collected mail from this home I learned of these cards through credited reporting.
Consumer complaint received 2024-02-14
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)

I received a consumer report from XXXX, transunion, and XXXX and they all have reported inacurrate information on my consumer file and they are not following federal law and I as a consumer have a right to privacy and this is illegal to report transactions and also without my consent. I have never given consent to these inaccurate reportings. I have NEVER been Late and I have never missed a payment. These reporting agencies are not allowed to report any transactions history that is negative and for any purpose. I have been violated as they have caused me mental harm, stress, and loss of credit extensions as they have been furnishing my information and reporting information that they have NO RIGHT to report. 
They have assumed a role that they are part of the government and they are not. I Demand that they update the accounts to show as paid as agreed or paid. I need these agencies to update my files and the accounts that they have as late to get them corrected as I need the history
Consumer complaint received 2023-04-24
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. (AZ)

This is the same dispute I have with XXXX. I got a bill from XXXX XXXX with a balance due and payoff good through date. I paid the bill before the payoff date, I received a paid in full letter from XXXX XXXX, then the next month they billed me again. XXXX XXXX paid this in full.
Consumer complaint received 2024-02-14
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. (MS)

In accordance with the Fair Credit Reporting Act. The lists of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( 1 ). XXXX XXXX XXXX XXXX account # XXXX ( 2 ). XXXX XXXX XXXX account # XXXX ( 3 ) XXXX XXXX XXXX XXXX account # XXXX ( 4 ) XXXX XXXX XXXX XXXX account # XXXX ( 5 ) XXXX XXXX account # XXXX 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 an account without my written instructions. 15 USC 1681 ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-14
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. (NY)

My identity was compromised and used to obtain credit without my permission. Kindly to investigate and delete this fraudulent collection off my credit report. 
This account is attached with a fraudulent address not belonging to me. My signature is also not present nor any legal document, kindly investigate this. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm following up on my previous letter about inaccurate credit reporting. I demand an immediate, thorough investigation and correction, as the banks confirmed a glitch and fixed it ; any further delay will not be tolerated, and legal action will follow. Ensure my credit report reflects accurate information promptly, as it is crucial for my financial well-being. I expect swift resolution within the legal timeframe.
Consumer complaint received 2022-07-18
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  I have listed the following : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX has violated my rights. 

15U.S.C. 1681 Section 602 A Section 1 States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 States consumer reporting agency can not furnish without my written instructions
Consumer complaint received 2021-03-30
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. (MA)

My credit report shows a XXXX  XXXX credit card with a balance of XXXX dollars that I do not recognize, I have years disputing that account and I contacted XXXX  XXXX they always inform me that they will treat this account as fraud but they never solve anything and continue to report it in my credit
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

My credit report shows a XXXX  XXXX credit card with a balance of XXXX dollars that I do not recognize, I have years disputing that account and I contacted XXXX XXXX they always inform me that they will treat this account as fraud but they never solve anything and continue to report it in my credit
Consumer complaint received 2021-03-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (CA)

I XXXX XXXX XXXX am filing a dispute against National Credit Adjusters for stating that I allegedly owe this debt. I have found several laws that National Credit Adjusters have broken the laws that are stated below : FCRA VIOLATION 15 USC 1681a ( 4 ) - respect to the consumers right to privacy.

FCRA VIOLATION 15 US code 1681b ( a ) ( 2 ) - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
FCRA VIOLATION 15 USC 1681a ( 2 Exclusions ) ( A ) ( 1 ) - report containing information solely as to transactions or experiences between the consumer ( individual ) and the person ( corporation ) making the report ; in this matter i XXXX XXXX XXXX am the consumer ( individual ) and National Credit Adjusters is the person ( corporation ).
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NV)

On XX/XX/2021 I purchased a item from Amazon for {$200.00} and used my Amazon Store Card from Synchrony Bank. On XX/XX/2021 I returned the item back to Amazon and was given credit by Amazon, however when I looked at my online statement I noticed the credit was not applied to my card. So, I called Synchrony and asked them about the credit that was not showing on my account and they refused to apply the credit to my card because they said they have to hold on to it for 30-60 days. Then in addition to that they charged me interest on the monies that were credited. I
Consumer complaint received 2024-02-14
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my 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
Consumer complaint received 2021-03-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION (TX)

I had asked for an extension on my auto payments. I had asked to delay 3 months of payments. Luckily, I didn't need to extend my loan. I noticed a discrepancy on how my payments were being applied. They over charged me interest on my last three payments. 

Date Days Between Payment Correct Interest Amount Overpaid Amount XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX Total amount that needs to be applied as principle {$87.00} I Called BBVA today ( XX/XX/2021 ) to fix this issue but they did not want to help
Consumer complaint received 2024-02-14
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  15 U.S.C. 1681 sections 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 SA Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1581c. ( a ) ( 5 ) Section State : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-14
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. (SD)

XX/XX/2023 a hard inquiry from XXXX was added to my credit report. I do not recognize or have any knowledge of this creditor. I would like the hard inquiry removed from my credit report.
Consumer complaint received 2024-02-14
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. (TX)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC (IL)

JB BYRIDER CNAC XXXXXX/XX/XXXX I was told by the dealer if I cosigned I would only be on the loan for 6 months and then after 6 months I would be removed now they want remove me the person who has the vehicle is about to file a XXXX XXXX XXXXnd they won't give me any information and they only reason I put my name on this vehicle is because the sales guy as well as the manager stated my name would only be on their for six months. And here we are in XX/XX/XXXX i have called emailed and no one would help me they used deceptive practices to get my name on the loan know they won't uphold their end of the agreement and my credit is being tarnished.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

The Comenity bank Wayfair credit card is reporting incorrect late payments on my credit bureau accounts. I have contacted them multiple times to resolve this and the payments are still showing incorrect. 

In XXXX of XXXX, they reported I had late payments on XX/XX/XXXX and XX/XX/XXXX. I reached out to them to correct this and they just moved the late payments to new dates. 

Currently, my reports show as follows : XXXX - XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - 30 days late XXXX - XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX - 30 days late XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - 30 days late As you can see these dates are all over the place and none of them are accurate. This account is closed and paid in full yet these false late payments are harming me and preventing me from getting approved for a home. I need help with having them remove these false lates from my credit reports asap.
Consumer complaint received 2021-03-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: DISCOVER BANK (IL)

I paid off my credit card debt with Discover. Discover then sold my account from what I was told to another bank. I began getting gets calls saying I owe over {$900.00}. My spending limit was only {$500.00}. Its impossible for it to be that much. Plus, I did pay it off. My information was sold to another bank without my knowledge and contained in accurate information and in insane amount of money I actually dont owe. Im still harassed to this day from them.
Consumer complaint received 2021-03-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

I contacted all three of the credit bureau, XXXX XXXX  and Experian. I ask that they provided me with all the accounts that had errors that I listed in the letter. I was requesting that they provided me with how each account was verified and that steps that we're taking to verify each account. I sent these letters out over 30 days ago and still have not received anything back. I don't feel liable for the debt that my credit report is saying that I owed and I am requesting answers.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$440.00} XXXX  XXXX BXXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXXXXXX XXXX Balance : {$350.00}.
Consumer complaint received 2021-03-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2019 I had an international wire transfer coming to me and Wells Fargo was the intermediary bank. They said the funds came through but were given to someone else whose name did not even come close to matching mine but somehow had the same account number? Wells Fargo said this rarely happens but it can happen. They told me there was nothing they could do as the money was gone and spent. They even said they knew who took the money but could not get it back because it was already spent by the person who stole my funds due to Wells Fargos mistake. This wire was for {$8000.00} to help pay for my mothers XXXX  expenses. How can they think its okay to give funds to the wrong person without any recourse?

We called several times to speak with Wells Fargo on the missing funds and their answer was always the same. Yes, we received the wire, gave it to the wrong person, and there is nothing we can do. It got to the point where they starting hanging up on me as soon as I gave them the account information to see what can be done.