davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Consumer complaint received 2021-08-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

i just find out that on my credit borough reports i have 3 collections in a small amount in a total of {$450.00} 1. XXXX/XXXX  XXXX, $ XXXX, 2. XXXX XXXX XXXX XXXX, $ XXXX, 3. XXXX XXXX $ XXXX. 

I don't know what is about, i just can guess according to original creditors names ( whish i found on credit reports ) that its medical outstanding bills. I never received any letters/notices from Collection/Or-and/Original creditors that i own some money. 
I am a medical provider too, in case i want to put patients for the collection I am always mail them certified green mail card which must be signed by the patients. Then i am allowed to put patients for collection because i have received proof that the patient received a notice. A few month ago some collectors was trying to call me about some outstanding amount, they just verified my name, but when i asked them Can you please email me or mail a bill/statement from original creditors so i can Verified where is the source of my outstanding but I WAS HANG UP THE PHONE immediately, for me looks like that just they just want verified my name and its more than enough to put me in a collection. 
Another way, because i have very valuable time I would like to pay these outstanding balance and forget about this., and unfortunately i am unable to do it because when i have clicked on Transunion , XXXX  , and XXXX  collection names I DO NOT HAVE ( website link ) an OPTION to pay it OFF. I did search by creditor names on line and its brought me to their subcontractors websites where they offer some some credit card and other things. 
For Example on Transunion Credit Borough I have clicked DISPUTE button and its brought me to : XXXX XXXX XXXX XXXX Its Not fair to me, like i mentioned above i would like to pay OFF a balance i have and even not to thing what is about. BUT i do not have an options to do it on their website. I have made a few calls by the name i found of my credit reports and i was switched to companies who offer some services to clean up a history for monthly fee etc.

1. The reason is it has to be removed from Transunion, XXXX  and XXXX  that is NO link from original creditors/or collection agency to PAY OFF a collection Balance.

2. Transunion, XXXX  and XXXX  must have received a confirmation from original creditors that debtors have received a notification ( NOT just phone calls to verified the Names and hang up the phone after )
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/21 I noticed that there was a charge made to my card that I didnt do. When I looked into previous days I noticed that it was more than one. It was {$190.00} worth in purchases. I contacted the merchant to complain about which it was XXXX through email. The next day I contacted Bank of America to dispute my transactions. I waited about a month and then I received a letter saying that they already finished the investigation and found that it concordat with my usual usage. I call them to see how they came to that conclusion since XXXX emailed me back with the information of who have done these purchases. They reopened my case just to a couple of weeks later send me a letter saying that these purchases where made by an authorized user on my account which I do not have. Spend two almost two hours on the phone just so they can say we have to resubmit the dispute again. They did and a few weeks later the same thing a letter on the mail stating that it was an authorized user which like I said I do not have. I asked to speak to a manager and explained my problem and asked for the manager to explain how the investigation is done since is obviously they didnt do it since I was the one that emailed the merchant and had to pay {$6.00} extra to fax the paper over to them since I couldnt even email them. He said it was a mistake they did on the first dispute and that now he fixed it and it should be approved. A couple of week later the same letter came is now almost XXXX and my dispute still didnt get approved. A week ago I tried calling again was on the phone for almost two hours going from manager to manager and the last thing that manager told me was that in order for me to get my money back I had to do a police report and call back with the information so my dispute can be approved. Before hanging up I told her I recorded the information she just gave me and that she was sure that is how it was going to happen since I keep getting different things said to me from different people there she lied and said yes that she noted in my account everything we talked about and what she suggested. When I did the report I called back and they said there is no note and that I need it to fax or mail the police report which they only have me a lil card with the number and the police officer information. She said she going to reopen it and this time it should work. This manager expla To me how they do investigation and noticed that in my account the merchant was not contacted. They never investigated on my case apparently according to a lawyer it would have cost Bank of America more than {$200.00} to investigate my dispute and for them that would have not been worth it. I cant believe this bank. Is a shame they even open!
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The Credit bureaus seem to throw my letters out or do not do anything on my file. 
My name and alias name need to be corrected. My OLD addresses are wrong as well. I am attaching a letter of explanation
Consumer complaint received 2024-11-06
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. (NH)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2021-08-01
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. (MO)

Im demanding that these fraudently accounts be blocked and removed from my credit file. My idenity has been compromised and reported. Im demanding that the XXXX major credit agenices remove these accounts immediatelty. 

XXXX. XXXX XXXX Bank XXXX. XXXX XXXX {$1700.00} XXXX. XXXX XXXX XXXX. XXXX Bank XXXX XXXX
Consumer complaint received 2022-07-24
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: World Acceptance Corporation (SC)

I do not recognize having any agreement with WORLD FINANCE CORPORATION and i am not liable for these accounts, This alleged debt is not mine i never enterted into signed agreement or completed an original contract with WORLD FINANCE COPRORATION .This inaccurate collection NOT MINE.I never provided any written consent or premissible purpose for this allege creditor to report on my credit report XXXX Am THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report.This is a violation of us code 1681b premissible purposes of consumer reports.Pursuant to 15 u.s. code 1681b ( a ) ( 2 ) -permissible purpose, of consumer reports. ( A ) in general subject to subsection ( c ) any consumer reporter agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it relates.This is a violation and also identity theft! 15 U.S.C 1681 c-2 - block of information resulting from identity theft.You have no rights under the law to send me any type of communication immediately.further more you are attemping to collect an alleged debt where so called oringal creditor has falsely represent character other violations under 15 usc 1692 e that are implementing your self. Violation :15 usc 1692b ( 5 ) ,15 usc 1692 ( 2 ) ( A ) ,15 usc 1692e ( 3 ) ,15 usc 1692 ( 10 ) ,15 usc 1692 ( 11 ) if your office fails to respond to this validation requst within 10 days from the date of your receipt, all references to this account must be deleted and completly removed from my consumer report or attorney general will be contacted
Consumer complaint received 2021-08-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditor's Collection Service, Inc. (SC)

Creditors Collection Service , Inc. CCS holds several accounts for collection of unverified medical amounts listed in my name. 
In XX/XX/2021 I mailed debt disputes on these accounts requesting detailed accounting for all of the debts they have listed which are in question. After more than 60 days I have not recieved a response to my letters. In the past they have sent a one page letter that shows their account numbers and the amouts that are in question with which it is impossible to determine if they are my debts and the accuracy of these accounts. I needed more information but they refuse to give me any information at all yet they continue to report these accounts to the collection agencies. 

Address XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Va. XXXX Mailing Address XXXX XXXX XXXX XXXX, Va. XXXX
Consumer complaint received 2021-08-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (GA)

Loan Fraud : GreenSky LLC Acct. # XXXX An XXXX  XXXX XXXX XXXX representative offered to do home improvements about 6 years ago for {$8200.00} at 3 % APR for only {$95.00} a month. When I got the bill it said, " Greensky. '' " interest rate : 5.99 %. '' I was annoyed that it was higher than quoted, but I thought that was still a good annual percentage rate for home improvements. 
The work was done. I have been making monthly payments, on time, all these years, and I noticed that I still owe more than half of the original {$8200.00}. I must have paid out almost {$6800.00} by now, and the current bill says that the balance due is {$4400.00}. 
I just used my calculator and ( even at 5.99 % instead of 3 % ) 5.99 % of {$8200.00} is {$490.00} {$8200.00} + {$490.00} = {$8700.00} {$8700.00} - {$6800.00} = {$1900.00} I should owe that amount, not {$4400.00}. 
Then I realized the 5.99 % is a monthly rate. Does that mean the annual rate is really 71.88 %?? The kicker is, I'm XXXX. I sold that house 3 years ago and didn't pay off the loan because the interest was so low.
Consumer complaint received 2022-07-14
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX Accounts below have 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 - XXXX XXXXXXXX Account # XXXX ; XX/XX/XXXX : {$360.00} - XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$270.00} - XXXX XXXX Account # XXXX XXXX XXXXXX/XX/XXXX : {$490.00} - XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$3700.00} - XXXX XXXXXXXX XXXX Account # ; XX/XX/XXXX : {$650.00} - XXXX XXXX XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$80000.00} - XXXX XXXX XXXX Account # XXXX ; XX/XX/XXXX {$15000.00} - XXXX  Account # XXXX ; XX/XX/XXXX {$3500.00} - XXXX XXXX XXXX  Account # XXXX ; XX/XX/XXXX {$73000.00} - XXXX XXXXXXXX Account XXXX XXXX ; XX/XX/XXXX {$360.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (TX)

I applied for a vehicle via XXXX as a result the sent my information to several different companies that are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-29
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. (MD)

Checking over my report today and I have noticed that these accounts & inquiries are still reporting on my file after I have been disputed & waited for a response after 45 days .you are still going against the law and I have rights.
Consumer complaint received 2021-07-29
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)

Tired of having to keep disputing inaccurate information after 40 days. A computer generated system response is not acceptable I have contacted creditors & bureaus trying to solve this issue. & Im not waiting no longer you keep letting these people go against the law. I see the problem is not going to be solve until I get a lawyer. 

XXXX  XXXX XXXX XXXX  XXXX **** XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

For at least the last 3 yrs TransUnion has been providing me with one credit report while providing creditors with a completely different and adverse credit report and in their attempt to hide this from me have refused to provide me with a credit report through the Annual credit report process, denying me 6 times over the past 3 years claiming the information I provided is wrong, which it is not as the information I have provided matches what TransUnion has. Transunion has denied my request online and via phone, deliberately violating my rights to my property. 

As a result, I was considering hiring an attorney, XXXX XXXX, until I spoke to a family member who is a field agent for the FBI. He advised me to mimic how the feds investigate. Sitting back allowing the perpetrator to do their thing and build my case. I took his advice and for the last 3 years have been building my case. Truly glad I took his advice and ready to move forward with a very strong case against Transunion. Yes, Transunion, I got you. 
Here are a few of the deliberate crimes committed by Transunion. 
Failed miserably to address any of my 14 complaints through the CFPB, numerous times claiming an item was removed ( Student loan delinquencies ) when in fact that never were.

Provided me a fake credit report at least 3 dozen times while providing creditors with a very different and adverse report For instance the credit report TransUnion provided me through 2 separate memberships claimed I had a Transunion FICO score XXXX of XXXX & through XXXX XXXX a score of XXXX. However I applied for 3 separate lines of credit where TRANSUNION PROVIDED THOSE CREDITORS a score of XXXX. Very big discrepancy. ( I attached the denial letter with the score receive from TransUnion ) I have also attached copies of TransUnions refusal to provide me with my free credit report through the annual credit report website. I also was refused over the phone and via mail.
Consumer complaint received 2022-06-27
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. (NJ)

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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX 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 XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX 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 XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-21
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. (MI)

N accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

The company, Citibank, has already reimbursed the money I felt owed. The purpose of this complaint is to report a practice that should be illegal. 

I have had a Citibank Double Cash card for many years. I am supposed to receive 2 % cash back on purchases. A few months ago, my cash rewards began to appear as " Thank You Points. '' I called Citibank to ask for an explanation. They explained that each point is worth XXXX cent. On several occasions, I have redeemed some of my points toward a statement credit, and they have indeed counted each point as XXXX cent. 

Today, I purchased a {$60.00} gift card on XXXX. I noticed that there was an option to use Citibank Thank You Points. I entered {$60.00} and made the purchase. I soon got an email confirmation from Citibank saying that I had used XXXX Thank You Points. This is equivalent to {$75.00} -- a 25 % markup from the {$60.00} I thought I was paying. 

The fact that Citibank charges a 25 % fee to use Thank You Points is not explained anywhere on their website. ( I could have simply paid with my Double Cash Card and then redeemed the points for a statement credit with no 25 % additional charge. ) I called Citibank and asked where the 25 % additional charge appears on their website. The agent put me on hold for a long time and came back and explained that this information is NOT on their website. She said it was in the terms and conditions I received when I received my Double Cash card. However, I received my Double Cash card many years ago when there were no Thank You Points. 

This seems to me to be an unethical trick that ought to be illegal. It should have been clearly explained that using Thank You Points for purchases incurs a 25 % fee. Surely no one would use Thank You points for purchases if they knew about the additional 25 % charge, since they could simply redeem their points for a statement credit.