davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
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. (MD)

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  The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2022-08-14
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX  ) inquiry XX/XX/2022 XXXX XXXXXXXX XXXX  XXXX XXXX ) inquiry XX/XX/2022 XXXX XXXX  XXXX XXXX inquiry XX/XX/2022 XXXX XXXX inquiry XX/XX/2022 I dont recognize this inquiries. I didnt give authorization for this inquiries
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contact these companies to ask why my credit was ran and that my identity was compromised and that i have a ID SECURITY ALERT on my ssn .... and ask them to remove them ... .see below... and no one responded at all 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 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CT)

I had missed a payment due on XX/XX/23. As I had explained to XXXX reps and supervisors, I had both computer issues and a login in problem. In the confusion I thought I had paid my bill until I contacted customer service on XX/XX/23 to get login help. It was then I was made aware I missed a payment. Prior to this I was paying down my bill, making payments on time, not making additional charges. I was prepared to make a payment but found out XXXX severely cut my credit line a deactivated my card. XXXX knows what a {$5000.00} cut in credit does to someones credit They also lied multiple times denying the function of my card and restoring my credit limit. XXXX is also financially profiting from my innocent missed through fees and exessive interest. The way XXXX clobbered me for one week overdue shows XXXX has no intention of doing an honest business with me. Provoking me to default so to profit from additional fees and interest. Sell the debt, write it off, they don't care. I want to continue making payments with my credit line restored to where it was. Fee waived and card reactivated. Nothing else is satisfactory. Card # XXXX Cus Serv Phone XXXX
Consumer complaint received 2021-11-29
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. (FL)

After learning that my personal information was compromised and involved in the XXXX data breach ( attached ) I reviewed my credit reports and found multiple accounts and inquiries that I did not recognize nor authorize. I attempted to have this problem corrected with the three credit reporting agencies of XXXX, XXXX, and TransUnion but I have not had the issue corrected.
Consumer complaint received 2024-02-13
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. (FL)

I am a victim of identity theft. I have carefully reviewed my credit history, and these addresses are unfamiliar to me. As a diligent consumer, it is essential for me to ensure the accuracy of my credit report to maintain my financial integrity and security. I have never lived nor been associated with the following addresses. 

Transunion is inaccurately reporting the addresses below to my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GL XXXX Transunion is Inaccurate reporting is non-compliant with FCRA laws violates the FCRA reporting laws. Please find enclosed any supporting documentation.
Consumer complaint received 2023-01-20
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. (TX)

Went in to acquire a car and was under the assumption that I was entering into a consumer credit transaction. I was then advised I needed to make a cash down payment, which is in direct violation of TILA, then later found out the transaction was turned into a security backed asset without full disclosure and my private source data was used and disclosed to a third party that I didnt do business with, again without my knowledge permission, and/or consent. Which constitute fraud and breach of contract solely for the disclosure of information without authorization. Its negatively impacting my private consumer credit report, with fraudulent information and values credit transaction reporting, including but not limited to late payments which is not considered a credit transaction.
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. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2024-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This dispute pertains to the information reported by your agency under the permissible purposes underline in 15 USC 1681B as well as my request for blocking information related to identity theft under 15 USC 1681C2 I recently attained a copy of my credit report from your agency and have identified The following inquiries account name XXXX XXXX XXXXXXXX this inaccuracy such as the account itself the balance delete payment, and the account status is false due to identity fraud on the 15 USC 1681B consuXXXX reporting agency must ensure that the information they report is used for permissible purposes only I am disputing the accuracy of this information as it has a significant impact on my credit worthiness. I request a thorough investigation into the accuracy of this information as required by feeding USC 1681B additionally, I also sent in proof of identification and address to update update my account with my personal information. I have hear nothing back from XXXX XXXX XXXX
Consumer complaint received 2022-07-18
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: CITIBANK, N.A. (FL)

I applied for a Citi AAdvantage MileUp card and was approved. I tried to use my card and the transaction was declined. I called and I was told they couldn't verify me on the phone and had to send me a letter at my home. I wait for the letter and received it on XX/XX/2022. I called the number, provide the code on the letter and I was told the account is good to go. I try to make another purchase today on XX/XX/2022 and the account is blocked again. I called in and I was asked for the previous letter. I explained I called on XX/XX/2022 and my account was unlocked. I spoke with XXXX in Executive Response Unit and I was told she could not help. I was hung up on and I had to call again. I asked for my account to be closed because this is ridiculous and I was told she couldn't do that either. So now I'm trying to speak with somebody to get this block lifted. I've had this card for a month and I haven't been able to use it. Citi has me stuck in a cycle of purchase something, card declined, call in, told I have to wait for a letter, call when I receive the letter, account unblocked, try to charge something, same process. So in essence Citi did a hard pull on my credit, gave me a credit card, and is not allowing me to use it. I'm contacting the XXXX  Attorney and my congresswoman because this is ridiculous.
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 — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Equifax refuses to update my personal information and my credit file. My credit card has sent them many updates, I have sent in my identification to update address and they refuse to update. They show I live somewhere I haven't lived at for about 10years. I cant even speak with anyone because the " security '' question asked is " If I have or ever had a credit card '' which I currently hold one but they don't any information regarding it so I cant verify my identity. The other " security '' question is to verify where I live, as you would imagine I cant verify I live somewhere if they have no clue and think I live somewhere from 10 years ago. 

I cant get a first time home owners loan until this is sorted out. they're reporting incorrect credit score because they have no clue I even have or had credit. As well as they show I live in a different state.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX and TransUnion have all failed to update my XXXX XXXX XXXX XXXX, XXXX  credit card account monthly as required by law under the Fair Credit Reporting Act. This gross negligence on behalf the three major credit bureaus has adversely impacted my credit score and my financial health.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 45 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Do not send me no automate message I need this stuff fixed.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (PA)

XX/XX/2020 applied for a Care Credit card on line as advised by my XXXX XXXX office in the amount of {$5000.00}. XXXX. I filled in my name, address, phone numbers, last four social numbers and date of birth and net income for the month. At this point, I was denied. No reason given ; told I would get a letter in the mail from the bank explaining ( Synchrony Bank in XXXX, Fl ). Same day in the afternoon, I phoned in my application and gave same information and denied as it was a duplicate application. XX/XX/2020 discussed with employee of XXXX XXXX who said she would call the Care Credit company to find out what is going on. XX/XX/2020, heard back from employee of XXXX XXXX and told problem occurred as no information re/net income and told to call Care Credit to fix. I called the same day, gave information to woman at Care Credit but I was denied again. Told Ill get a letter in the mail from the bank. XX/XX/2020 received letter from Synchrony Bank indicating the most significant reason the application was declined listed below : ratio of current obligations to income provided. The bank claims they received information from XXXX XXXX but XXXX XXXX played no part in their ( bank ) decision and unable to supply reason why credit denied. I had applied for the amount of {$5000.00} to pay for dental implant issue that is definitely needed. I am quite capable to repay the loan amount ; I never got to where I would complete financial information ... ..income vs expenses. Care Credit not only deceived me but the representative of the XXXX XXXX office. I truly feel this an age discrimination issue.
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I XXXX XXXX entered a consumer credit transaction with Capital One Bank on XX/XX/2019, due to this being a consumer credit transaction a finance charge was involved, 15 US code 1605 the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So there shouldn't be any late payments due this being a finance charge because it was the SUM OF ALL CHARGES paid indirectly by my credit card.
Consumer complaint received 2024-03-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (IA)

I bought a XXXX XXXX XXXX XX/XX/XXXX for which I believed to be only XXXX XXXX I go to look at my XXXX XXXX it say XXXX XXXX but when I go to credit acceptance it say XXXX XXXX which extremely high for a used car that I found out is only worth maybe XXXX XXXX, I've asked about lowering the payment no good, the car lot told me I would only be paying the XXXX XXXX but that's not the case and for XXXX months at XXXX dollars a month
Consumer complaint received 2021-11-29
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. (MI)

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information XXXX XXXX XXXX **** XXXX XXXX  XXXX
Consumer complaint received 2021-03-30
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: Santander Consumer USA Holdings Inc. (FL)

On XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX My credit was pulled by Santander Consumer USA without my authorization. I've never given anybody the authority to send my information to Santander. On XX/XX/XXXX I contacted XXXX regarding this issue, and i was told i needed to have Santander send them a letter addressing the issue. When i contacted Santander ( XX/XX/XXXX ) I was informed that because I am not a member of theirs, they will not send the letter to XXXX. When I asked why my credit was pulled THREE times in the first place, the representative said she didn't know which was highly concerning. I am now stuck between a rock and a hard place as Santander is refusing to send a letter of deletion to XXXX, or ANY credit bureaus these fraudulent inquires have been sent to. XXXX told me to contact consumer finance regarding this issue, so here I am. Thank you.
Consumer complaint received 2021-11-29
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. (MI)

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information XXXX XXXX XXXX **** XXXX XXXX  XXXX
Consumer complaint received 2024-02-13
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)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NC)

They are calling threatning to sue and or garnish wages for a debt that is 15 years old that im not aware for chase bank they are calling my job and my wife the calls im recieving are from some legal courier service the statue of limitations in the state of nc is 3 years this is 15 years old
Consumer complaint received 2021-11-29
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. (MI)

These accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

On XX/XX/XXXX, I submitted a certified letter to Equifax to dispute unauthorized inquiries that were listed on my credit report. My dispute was received by Equifax on XX/XX/XXXX. In my dispute I requested for the removal of seven unauthorized inquiries. I did not authorize any of the disputed inquiries in writing or verbally. These inquiries occurred on two different dates XXXX XX/XX/XXXX & XXXX XXXX ) in a state/s where I do not reside. The Equifax website stated that my dispute was completed on XX/XX/XXXX. When I reviewed my inquiries online, all of the inquiries that I disputed were still listed. I then contacted Equifax via telephone to find out why my dispute of these unauthorized inquiries were denied, and I was told that I needed to contact the lenders who reported the inquiries which I had already done. When I requested a copy of the description of how the investigation was conducted, Equifax denied my request and sent me a copy of my credit report in the mail. I also requested copies of an application or any other documentation that shows that I authorized the lenders to obtain my credit report. Documentation should have been submitted to Equifax by all of the lenders who reported these inquiries if I authorized them to obtain my credit report. I did not authorize any of the disputed inquiries neither did I have knowledge of these inquiries. Equifax denied my dispute as if the unauthorized inquiries that I disputed were proven as factual from an investigation that never took place. Equifax violated the Fair Credit Reporting Act by through it's failure to reasonably investigate the disputed information.