davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-19
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. (MS)

My name is XXXX 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 2022-09-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma (SC)

On XX/XX/2022 Credit Karma suggested I applied for a XXXX XXXX Credit Card, through Credit Karma, to help improve my credit score. The website also stated, my chances for approval was good and shouldn't drop my credit score no more than XXXX points. So, I applied and was APPROVED for a credit card. This one hard credit inquiry, decreased my credit score with XXXX by XXXX points. I tried to locate a number for Credit Karma to speak with a personal customer service about my concerns. But could not locate a contact number on Credit Karma 's website, nor any assistance with this type of complaint. I've spent hours today XX/XX/2022 talking with XXXX and XXXX XXXX representatives for an explanation to why my credit score dropped so significantly. Hours on the phone with both agencies have not given me an explanation to why my credit score dropped XXXX points.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (AR)

After struggling for years to pay off a credit card with Discover, I called to discuss options regarding interest. The interest rate is so high ( 28 % ), that all of the money paid each month went directly to Discover, not my principal. I have paid back the amount I borrowed several times over, but my balance continues to grow because of the interest. After multiple calls to Discover, my lawyer had to help with discussions. On XX/XX/XXXX, they eventually offered to allow me to pay 70 % of the balance with XXXX interest if it was paid within 3 months. This would be XXXX for me. I declined as I didn't have the money for a large lump sum. I later found the means to pay this amount. My lawyer called Discover on my behalf to accept the proposed deal after the XXXX of XXXX holiday, as the department needed was closed each day for the rest of XXXX. When my lawyer spoke to them, he was told to submit paperwork, and wait 5 business days to call back once the files were on my account. He called back XX/XX/XXXX and they refused to honor the agreement made claiming that was a XXXX offer and was no longer available. 
They would rather I file bankruptcy, go to collections, or presue legal action against me etc, then resolve this debt. Their customer service is atrocious. It has been a constant run around. Each representative, supervisor, and lawyer, I have spoken to has had a different story. No notes were taken in my account for any of the many calls made over the past 2 weeks. My lawyer has requested the recorded call be pulled and reviewed from the original offer. They have refused.
Consumer complaint received 2022-12-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CORELOGIC INC (MI)

Demand for proof of payment for property taxes in XX/XX/2022 On XX/XX/2022 I made a payment for my property taxes {$490.00} by my personal check XXXX XXXX According to unnamed " Financials '' coming from unknown to me parties, I was " charged '' for my property taxes again, while nobody provided me any evidence or authority to pay for my property taxes. 

I demand proof of payment for my taxes in XX/XX/2022 ; and the name of the Company who made this payment and name and contact information of its responsible employee ; and the name of Company who authorized this payment and the name and contact information of its responsible employee.
Consumer complaint received 2022-08-04
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX  # XXXX XXXX XXXX, TX XXXX XX/XX/2012 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX DP OF EDUC XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$940.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc. (CA)

Hello, I contacted Firstmark Services to request a retraction of credit reporting for a loan payment I made past the due date because I moved due to an emergency and was unable to provide my updated phone number and address in advance. I have also tried to notify Firstmark that I was escaping a XXXX XXXXXXXX situation and the co-signer on my account was unfortunately XXXX XXXX Firstmark refused to allow me to change the co-signer and instead penalized me for being notifying them that I had enrolled in school in advance. I requested a retroactive in school deferment and a retraction of the negative credit reporting, which dropped my credit by over XXXX points. They have refused to provide the retraction and they have refused to allow me to change the co-signer. I am requesting a retraction since I have provided them with my enrollment verification form, which dates back to XXXX of 2022. I would really appreciate this retraction since I have consistently paid Firstmark for at least the past two years. If not, I will have my loan refinanced and assigned to a different lender. 

Best, XXXX XXXX
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (IL)

I have submitted my remittance coupon to the credit card company according to UCC 3-603, Tender of Payment, and they have refused it and have not returned the coupon to me either which would mean that the coupon was accepted by them and the debt is now discharged and I should have access to use my credit card. This is discrimination toward me.
Consumer complaint received 2023-04-04
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. (MI)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA (OR)

I have been attempting to dispute a XXXX transaction wherein the driver changed our destination without our authorization and nearly doubled the cost of the ride. XXXX refuses to meaningfully engage with me, referring me to a XXXX that gave scripted answers, so I filed a transaction dispute ( chargeback ) with Apple Card. This dispute was sat on for nearly XXXX months and rejected with almost no explanation. I re-filed the dispute at the recommendation of Apple Card customer service and had the same outcome almost XXXX months later. They claimed they would provide me with all documentation regarding this case, including XXXX 's reply, but they have never done so. They provide no proof this transaction was authorized at all and will not engage with my sworn statement of events. They only say that evidence supporting the dispute is " insufficient '', except I am never accorded the chance to provide evidence in any meaningful way nor am I allowed to see XXXX 's responses to the dispute. The transaction in question is nearly XXXX months old at this point and in that entire time nobody has provided me with evidence to support their assertion that this transaction was authorized by me or anyone else authorized to use my credit card. This is contrary to industry practice, the Fair Credit Billing Act, and Mastercard 's own policies for chargebacks and dispute resolution.
Consumer complaint received 2024-09-23
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)

To TransUnion, XXXX, and XXXX, After reviewing my credit report, I have noticed inaccurate information that has been verified as accurate by your bureaus, despite providing evidence to the contrary. This continued reporting of false information violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ) and 611 ( a ), which require the information furnished on credit reports to be both accurate and properly verified.

Attached is proof that clearly demonstrates the inaccuracies in question. I ask that you promptly remove this incorrect information from my credit report, as your failure to do so is in violation of my consumer rights. Please ensure that my credit report reflects only verified and accurate data as required by law. 

Thank you for addressing this issue urgently.
Consumer complaint received 2024-10-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX. 

Re : Cease and Desist - Incorrect Debt Dear XXXXXXXX XXXX, I am writing to dispute and demand immediate cessation of collection activities regarding the alleged debt referenced above. This debt does not belong to me, and I request that you : 1. Immediately stop all collection efforts. 
2. Remove this debt from my credit report. 
3. Confirm in writing that this debt is cancelled. 


This is not my account and has been confirmed multiple times Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq., you are prohibited from : - Collecting or attempting to collect a debt that is not valid ( 1692e ). 
- Failing to provide verification of the debt ( 1692g ). 
- Continuing collection efforts after receiving a dispute ( 1692c ). 

Consequences of Non-Compliance : Failure to comply with this Cease and Desist demand may result in : - Filing a complaint with the Federal Trade Commission ( FTC ). 
- Pursuing damages under the FDCPA. 
- Reporting inaccurate information to credit bureaus. 

Please confirm receipt of this letter and notify me of any further actions. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XXXXXXXX XXXX XXXX I recieved an alert from credit montitering that a new was opened. XXXX XXXX XXXX. Called company and stated that it was opened fraudently, got a form to fill out did so, also filed a Identity theft report with FTC. Disputed account with Transunion. Still company states its my account. They wont tell me my account number, the city the fraud was commited, the product recieved from the fraud nothing. It sounds likethis company is a fraudenlent company. Unfortunetly I have filled out the fraud pappers with my info in the report. Help
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (AR)

In accordance with the Fair Credit Reporting Act, Affirm has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-17
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. (NY)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2024-09-17
Product: Credit reporting 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. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

XXXX XXXX tried to make a transfer to XXXX  from my HSBC checking account like I had done a multitude of times. Got a call shortly after to confirm that it was me making the transfer. Confirmed successfully as far as I know ( was kinda hard to understand the agent ). Then a few hours later when loging in to check on the transfer got a " creditials suspended '' pop up. Called the number where I was told my account was recommended for closure and then transferred to another team who gave me 0 information regarding the reason.

Every 2 weeks ish after I have chatted and called to try and get information regarding reason but have not been able to get an exact reason beyond " account recommended for closure '' and the process supposedly takes XXXX days. I have $ XXXX sitting in an account I can't access nor have gotten a reason for it being marked for closure. Nor any sympathy about the fact my money isn't accessible. It is ridiculous, and there teams have done nothing but give me the run around.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

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. Address information : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Address information : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Address Information : XXXX XXXX XXXX XXXX, AZ XXXX Address Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Address Information : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Address Information : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employment Information : XXXX XXXX XXXX XXXX Spouse information : XXXX Date of birth : XXXX Account Information : XXXX XXXX Account # XXXX Account Information : XXXX XXXX Account # XXXX Account Information : XXXX  XXXX Account # XXXX Account Information : XXXX XXXX XXXX Account # XXXX Account Information : XXXX XXXX XXXXXXXX Account # XXXX Account Information : XXXX XXXX XXXX XXXX Account Information XXXX XXXX XXXX XXXX XXXXXXXX Account Information : XXXX XXXX XXXX Account Information : XXXX XXXX XXXX The above account and personal information being reported has violated my rights to privacy. 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 an account or personal information without my written consent.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.