davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
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. (NC)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the identified that resulted from a alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Hello, I have a account I pay for with Transunion for credit monitoring. I also have a free account with Transunion. This morning when I logged into my computer I was told that my password was compromised to Transunion. So I logged into my credit monitoring Transunion account and tried to change my password. The online account had an error message stating that they were unable to change my password. So I called customer support and they said they reset my password. when I tried to use the new log in, it did not work. I called back 5 times. each time they said they reset password and it did not work. By this time I was locked out of both accounts. They said they would have technical call me back in 2 hours. They never called back, and now they say it will be 24 hours. I am completely locked out now of my credit monitoring and my free account with Transunion and it is XXXX pm and 7 calls later. and my account is now " suspended ''. Ridiculous poor incompetent customer service.
Consumer complaint received 2022-01-17
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. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I paid off my loan in full with Specialized Loan Servicing on XX/XX/2020 from an insurance check. My house burnt down in the LNU fire in XX/XX/2020 the insurance company sent the entire insurance policy to the lender to pay off the loan. The lender was to return the remaining amount over the loan pay off the lender has not returned the money the amount due is {$860000.00}. They keep saying they send and provide the check number but it has been 62 days and no check has arrived.
Consumer complaint received 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 2022-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (TX)

I went to check my credit and it says I have a debt with a energy company from when I was XXXX XXXX XXXX and Im currently XXXX XXXX XXXX and I live and XXXX and I wanted to know if I could get that debt off my credit
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (OH)

During the late morning of XX/XX/2022, I attempted to login online to my XXXX CHASE credit card account. Four times I clicked " send me a code ''. Not only four times, but six times, Chase telephoned me- each time with a recording stating that " this is not a valid entry. Goodbye. However, I did not have a chance to enter anything, all I did was say hello. But, while doing so, the XXXX DESIGNED XXXX XXXX  about not being an entry and hung up. Clearly, J. P. Morgan Chase Bank has a malfunctioning online IT system. Moreover, starting at the top with billionaire leftist fascist CEO XXXX XXXX, there is no accountability, no responsibility to the consuming public.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GREAT LAKES (KY)

In XX/XX/XXXX, I rehabilitated my default student loans account and set up a monthly payment plan. I was told to start payments immediately because I was told that after 9 months of successful payments the account would be in " good standings '' on my credit report. In XX/XX/XXXX, I reran my credit to find that no payment information was ever recorded or reported to the credit bureaus. I called the U.S. Department of Education to find out why and they said I needed to fill out a rehab form and they would backtrack everything and it would be in " Good Standings '' once they processed the signed document I returned via mail. On XX/XX/XXXX I noticed no change, so I contacted them again. I spoke to XXXX ( XXXX ), she was very rude and explained that because I never filled out the form initially, which I never received, back in XX/XX/XXXX that it would be another 30-45 days from the day they received the form on XX/XX/XXXX before it would be placed in " Good Standings '' on my credit report. Ive already been reassigned to XXXX and told not to continue payments to the US Department of Education. This whole process has just been exhausting, Especially when I never received the form initially and when i brought up their mistake I was talked down upon and forced to wait even longer for this to come off my credit.
Consumer complaint received 2024-02-09
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. (VI)

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.

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 2022-01-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ARS National Services, Inc. (VA)

ARS XXXX  have called both myself and my spouse regarding a debt collection for a debt that is not ours and threatening legal action if we dont respond. When I call they are looking for a person with the same first and last name, but different DOB and SSN. I I tell them my info and ask how I can get them to stop calling, they hang up. 

Calling 1-2 times daily. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  etc They also call using a spoofing device to make it appear from a local number.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (IL)

Each month, Elan Financial is reporting inaccurate credit card balances to the credit reporting agencies. These inaccuracies are preventing me from obtaining credit. 

Ive reached out to Elan about this issue and they told me that the inaccurate / incorrect balances reported, are mistakes of the Credit reporting agencies : XXXX, XXXX and XXXX. ( The reported credit card balances are the same for each agency. ) Ive reached out to each credit agency, and each one stated that Elan sends over this information electronically and thats where the account balances come from. My credit card statements have been closing between the 4th and 7th day of each month. Based on my credit reports, Elan has been reporting my balances to the credit agencies on the last day of the month. This month, however, they reported my balance on the 14th of the month, and they reported a higher balance than what my credit card statement says for XX/XX/2022. The balances owed, per my credit card statements, are not the same balances reported to the credit agencies, nor are the balances being updated on a systematic or consistent basis. These inaccuracies need to stop as they are negatively affecting my credit and my ability to obtain credit.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I have multiple accounts that should not longer be reporting to the credit bureaus because they have been " charged off as bad debt '' and I have already received 1099-C Cancellation of Debt forms from each and every single creditor reporting that I owe money on the closed accounts. 

I believe it is against the spirit of the law, and possible the US Code itself, to have a debt that is no longer legally enforceable ( due to passing the Statute of limitations ), have the debt cancelled, reported to the IRS, and taxed to me, and then continue to report it monthly as an open debt, or in collections. 

Reporting that the debt was cancelled and booking the loss, yet continuing to try to collect the debt is wrong.
Consumer complaint received 2016-09-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (FL)

After reviewing my personal credit file with XXXX I discovered a collection agency by name of Commonwealth Financial Systems. Inc.. Original creditor : XXXX XXXX XXXX. XXXX. Just a few minutes ago I reached out to Commonwealth Financial to find out why they are reporting negative item to my credit report. After reviewing invoice company sent to me in the mail I discovered they are attempting to bill me for services or hospital visit. I never I was never admitted to XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2012. I disputed this item with XXXX more than 30 days ago and it was supposedly verified that the item is valid.. When speaking to creditor I asked them to provide documents to me to proof I was admitted to hospital. The representative from company stated they do not research or validate collection items and that XXXX is responsible for contacting hospital to obtain documents. This company clearly did not validate this item with XXXX or provided them or me with no documents to validate this debt. 

This creditor must validate that I owe this debt. XXXX has already given them more than enough time ( 30-60 days required by law ) to validate this item which they chose not to do
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This credit reporting agency has stated that the following accounts XXXX # XXXX first late payment was XX/XX/XXXX and XXXX  # XXXX first late payment was XX/XX/XXXX are accurate and verified after they did an investigation to verify the ALL The information was correct. however these accounts are passed the 7 years allowed for reporting on the credit report and therefore must be deleted. This inaccuracy has caused me to be declined for a new car loan. 
I have attached XXXX response showing that they have deleted BOTH accounts after they did do a proper investigation and I am requesting the this reporting agency do the same immediately.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

On XX/XX/XXXX I sent a letter to all three bureaus reporting inaccurate and unknown things on my credit report but to this day nearly two months later I have not received a response yet. I was told maybe you can help me. It's three different bureaus and the fact that none of them even took the time to respond to me makes me feel like I'm being taken advantage of and basically ignored. Section 511 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It's  currently XXXX so I ask that they please go ahead and delete those items. I demand these accounts be deleted immediately or I will file for litigation due to the blatant neglect you all have shown me. My information was also impacted by the Equifax data beach which caused some of my information to possibly get into the wrong hands. So this current neglect is only adding fuel to the fire. Please remove these items immediately
Consumer complaint received 2024-02-09
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. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX account Account XXXX : XXXX
Consumer complaint received 2022-01-17
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Jon Barry and Associates, Inc. (NC)

This debt is invalid. The account was put on hold with the medical service provider while the provider reviews the account with the health insurance provider. I have spoken with the business office for the service provider ( XXXX / XXXX XXXX ) and they have confirmed that no account in my name has been sent to a debt collector. I have repeatedly advised the debt collector that the debt they seek to collect is invalid, disputed the collection, requested proof of the debt based on their information and asked them to stop calling. They continue to call.
Consumer complaint received 2024-02-09
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. (MI)

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.

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 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting a complaint to inform you again that I was a victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXXXXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (IL)

On XX/XX/XXXX, I attempted to make a purchase. However, I was unable to access my credit after verifying my card and PIN information ( Exhibit A ) / Exhibit B ). During this period, my account was not in default and I had an available balance. On XX/XX/XXXX, I credited my account by phone. According to Targets cut-off time payment policy, payments submitted prior to 11 pm of the due date would be credited the same day ( Exhibit C ). I received confirmation of my payment around 7 pm. ( Exhibit D ). ( The second number is either z v or b, the automated voice system wasnt clear enough to catch that letter. ) On XX/XX/XXXX, I received a billing error in the form of a late payment fee on my credit card statement ( Exhibit E ). I contacted costumer service and spoke with an representative by the name of XXXX. I voiced my concerns with XXXX on how my rights were violated as a result of Targets error in processing my credit along with the inability to use my credit due to blockage. XXXX tried to ensure that the payment along with the late payment fee would be credited back to my account after 48 hours. XXXX also stated that he unblocked my PIN and information. I informed him that I did not consent to my account being blocked. When I voiced that I would be following up in regards to my mistreatment as a consumer, XXXX stated he was unable to provide his employee ID number. I am now being inconvenienced when I upheld my loyalty as a consumer and made my payment promptly and fairly.
Consumer complaint received 2021-08-13
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: Bread Financial Holdings, Inc. (PA)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : COMENITYBANK/VICTORIA-XXXX-Balance $ XXXX-Date Opened : XX/XX/2013 COMENITYBANK/VICTORIA-XXXX-Balance $ XXXX-Date Opened : XX/XX/2013 XXXX
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. (FL)

My name is XXXX XXXX I am a living man executor beneficiary of XXXX XXXX. It has come to my attention that although I have brain several letters asking for validation of death, audit trail I am not getting any response because of the automated system you have in place with XXXX fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report as it is in violation of the following federal constitutional law 15 USC 1681 ( A ) ( E ) 15 USC 16 9115 USC 16 zero 1 15 USC 1692. I am afraid of the three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and I respect for the consumers privacy. I did not give consent XXXX account. I have remain humble despite the stress, I do you, and harm three credit reporting agencies have density delete this account : US DEPT OF ED/XXXX XXXX
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax and XXXX must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-02-09
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)

The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely.
Consumer complaint received 2022-07-18
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: AMERICAN EXPRESS COMPANY (WA)

This is in regard to my business credit card ending in XXXX with American Express. 

I had an Amex offer which asked me to spend {$1000.00} to get {$300.00} cashback on AmexTravel.com Despite spending this amount, i did not get the cashback. I filed an escalation which was resolved without talking to me. 

The reason for denial is stated as " The transaction was done on amextravel.com '', as demonstrated in the attachment those were literally the terms in the title of the offer. 

I understand Amex made a mistake in mismatching the terms in title and fine print, however as a customer, I should not be made to suffer for that.