davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 account without my written instructions.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX offers a subscription service to receive credit scores at a monthly cost, but that subscription can be canceled in the first 2 weeks or so before the customer is billed the monthly fee. I subscribed on Saturday, XX/XX/2022 and have been trying to cancel ever since. I have tried calling them, sending emails, and submitting cancelation via their online forms, all to no avail. It's very clear that the company is trying to make it virtually impossible to cancel the service.
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the 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 accounts 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 are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX  XXXX XXXX Balance : {$180.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

I tried reaching out to the creditors ( XXXX XXXX XXXX XXXX in addition to the credit bureaus ( XX/XX/XXXXand Experian XXXX. To date I have yet to receive any correspondence from either creditors or credit bureaus. 

Please reference documentation that was submitted to both creditors and credit bureaus. Correspondence to the creditors was sent via certified mail. 

Both the creditors and credit bureaus have exceeded the 45 Days. I am requesting complete deletion of the late payments.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I tried reaching out to the creditors ( XXXX XXXX XXXX XXXX in addition to the credit bureaus ( XX/XX/XXXX Equifax, and XX/XX/XXXXXXXX. To date I have yet to receive any correspondence from either creditors or credit bureaus. 

Please reference documentation that was submitted to both creditors and credit bureaus. Correspondence to the creditors was sent via certified mail. 

Both the creditors and credit bureaus have exceeded the 45 Days. I am requesting complete deletion of the late payments.
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting a complaint to you today to inform you I was the 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 : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$180.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$820.00}
Consumer complaint received 2024-02-10
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. (OH)

The credit score has decreased without any negatives added to the credit report. 

The other models for lending mortgage, credit cards, auto are even lower and unattainable. 

It list late payment there are no missed payments XXXX, XXXX, or XXXX and recent collections and there is nothing recent. 

Inquiries on the account are duplicate and unauthorized as I only do soft pulls and they need to be removed, along with the late pays, and disputed other accounts instead of leaving a comment of consumer disputed. 

The scores are being lowered also from what's displayed. 

I am so XXXX  by credit that I have a constant headache and XXXX XXXX. 

Next round I sue. It's been a long XXXX  years of dealing with this.
Consumer complaint received 2023-05-23
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. (CA)

Hello, Chase bank offered me a balance transfer for my Chase Sapphire Reserve card via mail and when I logged into the my banking portal. The offer was 0 % interest rate, for 12 months ( until XX/XX/XXXX ) and then a 20.74 % after the promotional period ends. There was a 5 % fee associated with this offer. I took this offer and on XX/XX/XXXX the {$15000.00} was deposited into my checking account and the {$15000.00} was charged to my credit card ( for what I believed 0 % interest until XX/XX/XXXX ). 

When my credit card statement was distributed today ( XX/XX/XXXX ). The credit card statement said to pay the the full balance transfer amount ( {$15000.00} ) + my new purchases last month + minimum amount to avoid interest payments to AVOID interest charges. This is not what I believe I agreed to with the balance transfer agreement. 

I called their customer service line twice to understand why my credit card statement said that. Upon calling their customer service line the first time, the customer service representative could not explain why my credit card statement said that or how that amount was calculated. Upon calling the customer service line the second time, again, he customer service representative could not explain why my credit card statement said that or how that amount was calculated. 

It was on the second call where I was transferred to a supervisor that declared that unless I paid that amount in full [ full balance transfer amount ( {$15000.00} ) + my new purchases last month + minimum amount to avoid interest payments ] that I will not be charged any interested. This is because in the fine print of the contract ( which is being mailed to me in 7-10 business days ), unless I pay that full amount previously noted, I apparently agreed to that any new purchases I am being charged interest from the day of transaction. This is contrast to traditional interest that you incur if you don't pay off your new purchases in full by the due date. 

I believe balance transfer agreement was false advertising, and that is because buried in the fine print ( which I am waiting to be mailed to me and review ) they changed the terms of the original agreement and how they charge interest. It used to be : you incur interest if you don't pay off your new purchases in full by their due date. Whereas now I'm getting charged interest the day of any new purchase. 

The net result is a feeling that a big bank pulled one over on me in the fine print.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

I am submitting a complaint against TransUnion for their failure to adequately address my dispute letter sent on XX/XX/2023, regarding inaccurate items on my credit report. The disputed items include accounts from XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and a reference to bankruptcy with the case number XXXX. 
In my dispute letter, I provided all necessary documentation, including a copy of my photo ID, social security card, and a recent bill with my current address, to assist TransUnion in verifying my identity and address. 

However, I received a response from TransUnion dated XX/XX/2023, stating that they couldn't process my request as it did not appear to be sent directly by me or an authorized third party. This response indicates a failure on TransUnion 's part to conduct a reasonable reinvestigation into the accuracy of the disputed information, as required by the Fair Credit Reporting Act ( FCRA ). 

Enclosed with this complaint is a copy of the dispute letter I sent to TransUnion, along with their response, as proof of correspondence.
Consumer complaint received 2022-08-08
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: ENCORE CAPITAL GROUP INC. (NJ)

The companies thats reporting on my report are : XXXX XXXX XXXX XXXX for the amount of XXXX I have files a complaint with the credit bureaus and the FTC and the companies are reporting accounts that are fraudulent accounts on my credit report.
Consumer complaint received 2022-07-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (TX)

My husband was awarded 100 % VA XXXX in the state of Texas in which he is exempt 100 % from taxes. The county provided a letter stating that we are now exempt from property taxes as of XX/XX/XXXX. Our mortgage company, Fay Servicing, has stated they were not accepting the letter from the county and would only except a tax bill showing the amount owed for this year. The county has advised that the invoicing does not occur until the end of the year and provided an estimated taxes screen shot, however, Fay servicing is still not satisfied. We are currently having to pay an extra almost {$1000.00} a month in taxes that we legally do not owe and the county has provided a letter stating the fact. 

We filed a complaint and Fay Servicing lied stating the taxes currently being collected are for the XXXX  year and not the XXXX  year. This is not correct as the XXXX  year taxes have already been paid. I have provided additional documentation to this complaint showing that the XXXX taxes were already paid so there should be no reason for Fay Servicing to be collecting taxes for XXXX.
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

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

I want to seek damages for financial injury for inaccurate reporting according to 15 usc 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} per violation or this account deleted from my credit profile : XXXX XXXX- XXXX
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (MS)

on XX/XX/2023 i transferred {$500.00} from my go card to one of my accounts and to this day the money has not transferred yet on the go card statement it says pending review but they have taken the money out of my account on the statement but it has not been transferred yet and tgoday is XX/XX/2023
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

I was reported as 6 days late through Home Depot credit services because I never received a bill or a phone call then a email 6 days later paid it on they day then paid the whole amount the following day but they reported it to the credit bureau.
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

I want to seek damages for financial injury for inaccurate reporting according to 15 usc 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} per violation or this account deleted from my credit profile : XXXX XXXX- XXXX
Consumer complaint received 2021-11-29
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. (AZ)

XXXX XXXX XXXX opened XXXX XXXX-XXXX  late payments from XXXX  Want to have them removed please. It has been XXXXyrs, payment history is exceptional now. 

XXXXXXXX XXXX XXXXr-opened XXXX XXXXXXXX late payments, it has been XXXXyrs, would like removed.payment history is exceptional now. 

XXXX XXXX XXXX XXXXXXXX late payments. payment history is exceptional now. 

XXXX XXXX XXXX XXXX-Paid in full, still shows on Report, need removed. 
I dont have amounts..to long ago XXXX XXXX XXXX
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

XXXX Amount : XXXX Actions : Reported this error with XXXX XXXX they could not get it removed. Experian recently denied my request to resolve this based on the previous ( failed ) attempt, so I am need this agency 's help. I also contacted the card company and they show no record of this negative item. Please have them remove this negative item from my credit report.
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX Amount : XXXX Actions : Reported this error with XXXX XXXX they could not get it removed. XXXX recently denied my request to resolve this based on the previous ( failed ) attempt, so I am need this agency 's help. I also contacted the card company and they show no record of this negative item. Please have them remove this negative item from my credit report.
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

XXXX Amount : XXXX Actions : Reported this error with XXXX XXXX they could not get it removed. XXXX recently denied my request to resolve this based on the previous ( failed ) attempt, so I am need this agency 's help. I also contacted the card company and they show no record of this negative item. Please have them remove this negative item from my credit report.
Consumer complaint received 2020-05-26
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)

XXXX XXXX XXXX recently placed a collection on my credit report. They sent me an itemized list of my minor childs medical procedures from 6 1/2 years ago stating that money was owed on a medical debt. The letter did not include a HIPPA release form nor was authorization given to share my minor childs medical records. This is a clear violation of HIPPA laws and they did not produce a HIPAA release form with the itemized receipt that was mailed to me. How did they receive my minor childs health records without my permission??? Both my minor child and my HIPAA rights were violated and I demand the deletion of this debt immediately or I will take legal action.
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (MO)

Nordstrom.com and a XXXX by the name of XXXX, who claims to be in financial services, has canceled and blocked all online orders made by me or a family member to my address on file. Her reasoning was that I was upset and cursed at here over an order that was clearly tampered with when received. Instead of fixing the solution, she took it upon herself to block my usage and then in an email told me to not shop with Nordstrom. When advised to escalate and that she didn't have that authority she stated she could do whatever she wanted. This is causing me to not use my nordstrom card, who has stated there is nothing wrong with my credit account. XXXX is clearly vindictive over a customer being upset and is retaliating against me and my family over an issue that should have been resolved
Consumer complaint received 2024-02-10
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. (PA)

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 XXXX XXXX # 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 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.