davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc. (KY)

This company is in violation of numerous FDCPA laws. This company is reporting inaccurate and unverifiable information on my credit report and is causing me distress and making my credit report look bad. I request that this company send me a validation debt letter also Pursuant to 15 USC 1692c ( c ) I am notifying this company in writing that I refuse to pay this alleged debt, and I am demanding that this company cease all forms of communication with me through any and all mediums. I would also like this company to stop reporting inaccurate and unverifiable information on my credit file.
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. (NY)

Experian credit reporting agency is not doing a complete investigation into incorrect information on my credit report. I just received today an updated credit report from experian and the results of the investigation did not solve the problem. There is an account " XXXX XXXX  XXXX that was suppose to be deleted off my credit report '' I 've disputed this account with XXXX and the company responded to delete off my report I am uploading proof that this account was deleted from XXXX because the company responded to delete. Experian should have received the same response. I have been disputing this for over 6 months now and when I try to go online to dispute it again experian will not let me on to dispute this account
Consumer complaint received 2024-02-04
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. (TN)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following dates on ( XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ) and ( XXXX XXXX XXXXXX/XX/XXXX ). I am now requesting an investigation to provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments to be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-02-04
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)

XXXX XXXX XXXX updated my credit reports in XXXX reflecting 30 days late in XXXX. While in XXXX, my account reflected current. In reaching out to them, the response I keep receiving is the system is generating the updates. Reviewing my credit report, they are updating at least 3 times a month. In XXXX, my file was updated on XXXX, XXXX & XXXX. My Experian file was reported late on but then revised to reflect current on XXXX. At that time, Transunion and XXXX reflected current. On XXXX, both Transunion and XXXX are reflecting late in XXXX while XXXX is still reflecting current.
Consumer complaint received 2019-05-21
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: Southwest Credit Systems, L.P. (NJ)

A derogatory report was placed on my credit report from a company XXXX XXXX with no account number or any information in amount of XXXX which is not an account that belongs to me. I t is not mine. Tried to dispute on XXXX  but they require account information to include who is reporting and an account number. I do not have thus information How can anyone be allowed to do this and I am asking this be removed from my report and the company that did this to me to include name and their backup do that I can pursue further action Had it not been for XXXX  XXXX I would not have known this do I have to believe they are doing the same type of thing to other unsuspecting people. They need to face consequences for such action I have faith that XXXX XXXX will take care of this and help me resolve it and cause my credit score to go back up where it should be XXXX XXXX  is a great service. Thank you XXXX XXXX
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 — Public record information inaccurate
Company: LEXISNEXIS (GA)

Effective XXXX XXXX 2017 It is to my understanding that my credit report will require any public record such as a lawsuit, judgement, tax lien and real property lien submitted for reporting on a consumers credit report, to include the consumer 's name, address and either their social security number or date of birth. If any of this information is missing on a reported public record, it will no longer be reported on a consumer 's credit report. I would like to have 3 bankruptcies and 1 tax lien investigated immediately and removed from my report.
Thanks in Advance, XXXX XXXX
Consumer complaint received 2024-02-04
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. (PA)

XXXX XXXX XXXX Inquiry : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  My identity was compromised even though I am working diligently with credit freezes. There are inquiries I do not recognize showing on my credit report. 
The inquires I listed above were not warranted by me and I would like them to be investigated and removed in accordance with the fair credit report act.
Consumer complaint received 2019-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (KY)

It says opened on XXXX. {$80.00} is owed, I was never aware of this bill or opening of this account. I've contacted them to let them know that I was never aware of this being open, and someone pretended to be me.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-10-26
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: Experian Information Solutions Inc. (GA)

We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT THE FOLLOWING INQUIRIES ARE ALL A RESULT OF FRAUD XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2017-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (AZ)

I sent Synchrony Bank notarized documents, a copy of my XXXX XXXX XXXX  statement, Arizona Drivers License and social security card to verify my identity. Synchrony Bank is making wait 60 days before they release the temporary block off of my XXXX XXXX XXXX Account : XXXX and my XXXX Account : XXXX, and numerous other Synchrony Bank retail accounts. I shouldnt have to wait 30 or 90 days to have a temporary block removed from my accounts, so I can use my accounts. I have verified my identity and acknowledge, I open up all the accounts with Synchrony Bank. Im been discriminated against and been treated unfairly by Synchrony Bank, all because of my race with me being XXXX ( XXXX ). I feel if XXXX XXXX treat its customers this way. No customer/consumer should do business with XXXX XXXX.
Consumer complaint received 2017-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (IL)

I have a line of credit with Care Credit for a XXXX bill years ago. I was not told at XXXX office I would be charged 26.99 % interest after their promotion ended. I have paid {$110.00} last month and {$63.00} of that payment went toward interest. Therefore my balance is staying the same year after year. I am at poverty level of income and can not afford to pay anymore than what I currently pay every month.
Consumer complaint received 2024-02-04
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. (GA)

I am letting you know, respectfully that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you will fix the situation. Here is the wrong info : Account Name : XXXX XXXX, IN This account is reporting late on my credit report and I was never late with this account. The account is very inaccurate. It is also reporting being late on months that are not even on or matching the other reports. 

I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that Im trying to apply for because it is lowering my credit score big time. I have already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can not be reported. 

I take this very seriously and I would appreciate it if you remove the late payment mark off this account as soon as possible.
Consumer complaint received 2017-10-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

It has come to my attention that Wells Fargo has been rearranging debits and credits within my bank account in a manner which causes my bank balance to fall below {$0.00}. As a result, I have incurred numerous Overdraft and Non Sufficient Funds fees. 

Overdraft fees in the amount of {$35.00} occurred on the following dates : XX/XX/XXXX for a transaction in the amount of {$0.00} XX/XX/XXXX for a transaction in the amount of {$0.00} XX/XX/XXXX for a transaction in the amount of {$9.00} XX/XX/XXXX for a transaction in the amount of {$41.00} XX/XX/XXXX for a transaction in the amount of {$1.00} Subsequently, these 5 overdraft fees ( 5 x {$35.00} = {$170.00} ) caused Non Sufficient Funds fees in the amount of {$35.00}. 

XX/XX/XXXX Non Sufficient Fund Fee Total Fees incurred total {$210.00}
Consumer complaint received 2020-10-14
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. (LA)

I disputed and sent in all correct information with supporting documents and this still has not been resolved. How can my issues not be verified if I sent in everything pro being who I am and the correct information?
Consumer complaint received 2017-10-26
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)

I was a victim of identity theft and notified bureau and also send documentation to one creditor to verify the problem yet they say they ca n't remove the inquiries. police report was sent as well as several calls and letters in the mail over the past 8 mths
Consumer complaint received 2022-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (IL)

As a federally protected Consumer, I am here to contest any purported accusations you are now reporting on my credit report.

In accordance with Section 809 ( 8 ) of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, the Consumer requests verification from you ( FDCPA ).
Consumer complaint received 2017-10-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (FL)

I received a call from loan depot offering lower rates based on recent changes made by the fed. I explained that my only desire was to find a lower interest rate. I provided all of my information including my homes value the outstanding mortgage amount, my credit score, my income etc. When the rep said he was going to pull a hard inquiry on my  credit report I stopped him and said based on an excellent credit rating what interest rate would you be able to offer. He said between XXXX and 3.25 %. I said based on that go ahead. He placed me on hold then came back with an offer at 3.5 % for a 15 year loan which would increase my payment by XXXX a month. I asked where is the XXXX to 3.25 % rate. He said oh that would be an arm. I asked what was the rate for a 30 year fixed conventional mortgage like my current loan. He said 4.2 %. I said I told you I was pursuing a lower rate, I did not ask for a lower term or to change my payments. He intentionally baited me into pulling my credit report after I expressed my concern over doing so for no reason. The rep was unethical and never had a product that met my requirements but pursued anyway. I would fire an employee of mine that behaved in this fashion.
Consumer complaint received 2024-02-04
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. (WI)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 2024-02-04
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. (GA)

Provided credit bureau with certified letter I was a victim of identity theft last year via certified letter 3 times and via email and also my SSN was compromised on the dark web by XXXX Credit Bureau ; also requested credit report be frozen. Transunion fail to lock credit report and XXXX unauthorized requests for credit - all online- were submitted and provided by Transunion XXXX XXXX between first letter and next letter. TransUnion fail to lock/freeze credit and also refused to remove unauthorized inquiries which has reduced my XXXX XXXX XXXX XXXX. XXXX has removed the same inquiries.
Consumer complaint received 2024-02-04
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. (NC)

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 

My information was sold and bought illegally because I was a victim of the + XXXX breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that! was in fact a victim of this data breach, exposing my personal and credit information which is allowing bad actors to attempt to open new credit in my name without my consent or knowledge.
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 — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc. (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Santander Consumer USA , Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )
Consumer complaint received 2017-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IL)

I have two credit lines with Citi bank. One balance is {$2200.00} and other balance is {$940.00}. I have been paying 14.99 % interest for many months and my monthly payments are over minimum required but balance does not change by much over the years. I have called them many times requesting to combine the two at lower interest and they always say they do not have any offers. I explained I am in a lower income bracket since these were approved when I lived in XXXX. I now live in XXXX with rural based poverty level income.
Consumer complaint received 2017-10-26
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: AMERICAN EXPRESS COMPANY (HI)

It has been over 13 weeks since meeting the spending requirements to receive XXXX membership rewards points on my XXXX XXXX card from American Express. I have n't received any points. 

It has been over 13 weeks since meeting the spending requirements to receive XXXX Delta Skymiles on my Delta Platinum card from American Express. I have n't received any points.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.