davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (NV)

I have been notified by Credit Karma on multiple times, that I have been pre-approved for credit cards. When I apply I am always denied and this is taking big hits on my credit as hard inquires. This is an outrage. I have been struggling to get my credit back on track. These inquiries are causing my credit score to decrease dramatically and it's not fair. To this day I am still receiving notices that I have been pre-approved. I am hoping to receive some type of compensation for this misleading and hurtful information. Please contact me regarding this message asap. Thanks in advance.
Consumer complaint received 2022-09-12
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. (CA)

I have recently been trying to get the credit reporting agencies ( XXXX, Equifax, and XXXX ) to do reinvestigations for some accounts on my credit report but they keep coming back as verified as accurate and i am getting tired of it. 

These companies have violated my rights as a consumer and failed to do a proper investigation on my consumer report disputes. They claimed these items have been verified but there are obvious inaccuracies. This tells me that they have violated 15 usc 1681i ( 5 ) ( a ) The following items have not been properly investigated XXXX XXXX XXXX On XXXX this account has been reaged illegally every month and this is falsely manipulating the statute of limitations. And overall this collection agency has violated 15 usc 1692e ( 8 ) for false and misleading representations. They do not have the correct open date which also jeopardizes the statute of limitations. 

XXXX XXXX XXXX This account has multiple inaccuracies that have not been properly investigated. 

1. XXXX has not marked this account as disputed and this is a violation of section 623 of the fair credit reporting act 2. Equifax is reporting a monthly payment of {$65.00} a month when XXXX  and XXXX  are reporting no monthly payment 3. Equifax has reported the payment status as 120 days late when XXXX and XXXX are reporting charged off. 
4. Equifax is reporting this account type as a collection when XXXX  and XXXX  are reporting this as a line of credit 5. There are 3 different dates of last activity. XXXX is reporting XX/XX/XXXX. XXXX is reporting XX/XX/XXXX ( XXXX ) and Equifax is reporting XX/XX/XXXX 6. The date of last payment is being reported wrong. XXXX and XXXX are both reporting XX/XX/XXXX while Equifax is reporting XX/XX/XXXX. This also falsely manipulates the statute of limitations 7. Equifax reports 120 days late every month which is a lie XXXX XXXX XXXX XXXX company has failed to validate the debt 15 usc 1692g ( XXXX and XXXX ) XXXX XXXX. - The date of last activity does not match. XXXX reports XX/XX/XXXX and XXXX is reporting XX/XX/XXXX XXXX  XXXX XXXX has reaged the account because they are reporting the date of last activity as XX/XX/XXXX and transunion reports XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a monthly payment of {$330.00} when XXXX is reporting {$0.00}. 
XXXX. XXXX and XXXX have failed to mark this account as disputed which is a violation of section 623 of the fair credit reporting act All inquires in my attached letters are in violation of 15 usc 1681b permissible purposes
Consumer complaint received 2024-09-02
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. (OR)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted the credit bureaus about inaccuracies on my credit report, but my letters have been ignored. Instead, I've been receiving responses accusing me of using a third party. I have attached my ID and the relevant letters for your review
Consumer complaint received 2021-08-27
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION (GA)

Attached please find correspondence between XXXX XXXX XXXX  and XXXX/XXXX  and its representatives which is a financial partner of SunTrust/Truist. In my initial call with with a XXXX rep on XX/XX/XXXX, I created a XXXX XXXX account for credit charges in my online store.There was no mention at all of a {$750.00} cancellation fee in using their credit processing service ; thankfully, this call was witnessed in the bank on speakerphone by my Personal Banker. There is a similar statement from her this past week into their back office which is also on a recorded line. As you can see from the attached correspondence, one of the financial institutions ( referenced as an aggregate entity of XXXX/Truist as there is no recognizable domain from the consumer side ) acknowledges that I have not signed in nor used their services as evidenced on emails dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I received confirmation of cancellation on XX/XX/XXXX from XXXX XXXX Specialist Team from the XXXX domain which was yet another missed opportunity to MENTION the cancellation fee yet to be assessed. The assessment of the fee in question took place on XX/XX/XXXX, which was not granted due to a lack of funds and ALSO caused me to incur a {$38.00} overdraft fee on my XXXX  account. I had been trying to cancel service to no avail beginning in XX/XX/XXXX via email, erroneously believing that one of the representatives who opened the account on the XXXX side would reply in a timely manner ; I copied my Personal Banker at SunTrust on this request. A review of XXXX email messages and those from my local SunTrust branch will show you that XXXX did not respond - EVER to this request. Several attempts from my SunTrust/Truist branch partners to XXXX via phone and email have also not garnered any response. I believe that SunTrust/Truist may be in violation of CFPB 1030.4 ( b ) ( 3 ) ( iii ), as they find themselves in the unfortunate position of being potentially liable for committing Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) as a result of the actions of their external service providers ( XXXX XXXX, particularly those that interface directly with customers. It is my understanding from the Branch Manager that this is not the only issue they have had with XXXX as their XXXX XXXX provider ; however, I do not have that in writing.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2022-10-09
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: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-09-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-01-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

A phishing account was created on Venmo. This phishing account was impersonated by someone who used my brother 's Venmo account profile picture and username. Me and my brother had previous Venmo exchanges, thus the phishing account used his profile picture and username to request {$450.00} " for a few days '' on XX/XX/2021. The account name and profile picture was exactly identical to my brother 's. After sending him the {$450.00}, the scammer account asked to send an extra {$100.00}. Thinking that this is my brother, I sent the money without questioning it. Within 30 minutes I called my brother and asked why he needed the money, where he stated that he did not ask for that money. I immediately contacted Venmo and tried to resolve this situation and get my funds back that were stolen from me unfairly. I had money stored in my Venmo account and thus, the money was immediately transferred to the scammer. When I spoke with customer service of Venmo they were not helpful. They said they would transfer my request to someone and an e-mail would be sent. The next day, I get an e-mail stating that I will not be able to receive my money back and that I should try to retrieve the money back by asking the scammer to send me the money back. They also stated that they were not able to assist me further. So I tried to ask the spammer for my money back, and he/she changed their name to a different name or closed the account. I was unsuccessful in receiving my money back. After this, I tried to message them again asking for help, and they ignored me. I have screenshots provided for everything. 

It is unfair that Venmo has very minimal protection for their customers in regards to fraud and phishing accounts. If somebody already has a name and last name and someone is able to create an account using their exact name, is very low security and protection to customers that use Venmo. 

The same scammer asked my sister for {$300.00} on XX/XX/2021. She sent the money. However, Venmo was able to credit her the money back. We filed a police report together in regards to this situation. I have screenshots of the transactions of the scammer when he was impersonating my brother.
Consumer complaint received 2022-07-23
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. (TN)

I asked Transunion to verify an account placed on my credit. The company 's name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  amount asking {$140.00} In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C. 1681 604 A It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (WV)

I applied for the SouthWest Airlines Visa Platinum Credit Card on XX/XX/2022. I received a denial of credit letter from Chase stating why I was denied. As stated in the letter dated XX/XX/2022, their decision was based on information they received from a credit bureau using a credit score.

It is my comprehension of Regulation Z and Title 15 USC Sub-chapter 41 I thru VI, more specifically, Title 15 USC 1691a that any application that is denied for any reason is discrimination. I filled out the application in good faith as an applicant and an extender of credit.

I also comprehend this extension of credit in the form of a card would be used primarily for consumer credit transactions for personal, family, and household purposes.

It is also expressed in 15 U.S. Code 1691a ( c ) the term " Bureau '' is in reference to the CFPB. If that is the case, which credit bureau is the letter referencing?

Accordingly, 12 CFR 1026.2 ( 15 ) ( i ) states any card is a credit card. During the process of filling out the application, I provided my Social Security number from my Social Security Card. If I provided this number, why was I denied? When I provide other card numbers, debt gets paid. Using this logic, I must have prepaid for this credit card when I provided my Social Security number. So, why was I denied?

I believe this information to be true and factual because Congress says so.
Consumer complaint received 2021-05-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I Consumer XXXX XXXX the Executor of XXXX XXXX XXXX XXXX was trying to close out my fathers estate when I notice an alleged creditor place a claim of debt against the estate. On XX/XX/2021 I sent Gulf Coast Bureau, Inc a validation of debt letter containing certain information for them to respond with information such as who is the alleged debtor and what is the debtor address also when was the original charge of delinquency. As of XX/XX/2021 I have not received a response from Gulf Coast Collections containing the information requested nor have they withdrawn their claim of debt from the estate. Gulf Coast Collections is in direct violation of 15 USC 1692g by not responding in the 30 day time period with requested and by also not sending within the the first 5 days of the initial communication a written statement containing the amount of the debt owed and the name of the creditor to whom the debt is owed. They also failed to provide a statement that if the consumer does dispute the debt in 30 days then the debt will be assumed valid within the initial 5 days of communication with the consumer.
Consumer complaint received 2021-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -TRANSUNION XXXX -- XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Consumer complaint received 2022-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-12
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. (WY)

I already submitted this and it is not correct so I am submitted it again with more information at the end. I refinanced my home from Wyoming XXXX XXXX XXXX to XXXX XXXXXXXX XXXX XXXX paid a wire transfer on XX/XX/XXXX and Wyoming XXXX XXXX XXXX had a XXXX balance on my account as of the second. Experian was showing my Wyoming XXXX XXXX XXXX account over 30 days late. I submitted a dispute and showed a statement of the XXXX balance. Instead of updating to show a XXXX balance which they said they would do since I had supporting documents they deleted the account from my credit report. I have been a homeowner for five years with no negative reports on that account and I did not want it removed. Experian told me they received a notice from Wyoming XXXX XXXX XXXX to delete the account and that I would need a reinsertion letter to add it back onto my credit report. I called Wyoming XXXX XXXX XXXX and they said they would never asked for an account to be deleted from a persons credit report. Experian could not tell me how they got the information showing that the account needed to be deleted and will not help me any further to get it added back onto my report. I already submitted a complaint and they marked it as resolved that the account is reporting. There should be two Wyoming XXXXXXXX XXXX XXXX account showing. The one that they say is on my report is my second mortgage of only {$4300.00}. They took my first mortgage off my report and that is what I need reporting
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)

( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$930.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.