davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
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. (GA)

I have notified Experian a few times about the XXXX account XXXX. As a consumer I have the right to a credit report that is 100 % accurate. The FCRA states " The 7-year ( credit reporting ) period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action 15 U.S.C. 1681c ( 1 ) '' according to my credit communication with XXXX my first date of delinquency was XX/XX/XXXX. This item was supposed to be deleted from my credit report back in XXXX
Consumer complaint received 2022-04-05
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)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2022-04-05
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. (NC)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2022-07-18
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. (GA)

Company in Question : Transunion I do not wish for my Transunion File Number to be posted publicly, so I can provide that information separate from this initial complaint. Please call or email to obtain that information if needed in order to reference the call and complaint information. 

I have made several attempts since XX/XX/2018 to have inaccurate and unsupported collections removed from my Credit Report. I have tried to access my full report from all 3 bureaus via Annual Credit Report. Transunion has made it nearly impossible for me to access my full report and have disputed charges properly investigated and removed. During another attempt to resolve this ongoing issue, I called Transunion and spoke to a man who claimed he was a " customer service supervisor '' and his name was " XXXX XXXX ''. The number I called was XXXX at XXXX p.m. XXXX. The call lasted XXXX hour and XXXX minutes. The entire conversation was a joke to this individual. XXXX minute he claimed to have a record of my past disputes and confirmed the collection agencies " investigated '' did NOT provide supporting documentation within 30 days as requested. Then, the next minute, he denied that I ever filed previous disputes. I could hear laughing in the background and he talked to me like I was a child. Per the FCRA, these disputes should have been thoroughly investigated and removed my from credit report 2 years ago. The Transunion rep was disturbingly ignorant of U.S. law pertaining to the FCRA. I want the call pulled/fully reviewed. If the aforementioned call doesn't last XXXX hour and XXXX minutes, it has been edited and " doctored '' by Transunion in another cover-up attempt. I have been denied a car loan, a credit increase, and a home loan due to Transunion. I want full compensation and my credit report fixed immediately. This man should be fired as well. Our conversation was nothing but a sick game to him. He thoroughly enjoyed being disrespectful to me and hearing my frustration. This is my life we're talking about! My future! My children 's future and safety of a home. This is very serious! This is NOT a game!
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reliant Capital Solutions, LLC (MI)

I did not receive a letter stating what the debt was, nor that I could dispute it. I was contacted via phone and told they wouldn't do a payment plan with me and I would have to pay in full or get a loan to pay in full which would then just make me be paying a monthly payment to a different company. I was also told if I didn't pay my credit would be hurt from this going to the credit bureaus. This was back in XXXX when first contact was made. I told them I wanted this in writing and I would not talk with them again unless my mother is on the line with me or I get a lawyer once I can afford representation. They continue to call me almost everyday to try and collect the debt. Still no letter has been sent after 3 months.
Consumer complaint received 2022-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Revolut Technologies Inc. (NY)

Thank you for taking the time to look at my case. 

Company : Revolut, amount {$20.00}. Date XXXX XXXX, 2021. 

The case is regarding Revolut, a virtual debit car wallet with a physical card too. I recently opened my account with them ( back in XX/XX/2021 ). On XXXX XXXX, 2021, I was attempting to pay a friend using XXXX, so Revolut came out and I knew I had money on it, so decided to pay using it. The transaction was declined by XXXX because I had {$20.00} on Revolut and the amount I needed to pay was a bit higher. However, Revolut kept the {$20.00} they charged me ( although their rules say do not charge for declined transactions ). I contacted their customer service several times and each time they give me a different answer. First time I contacted their customer service they told me that my card was compromised and they issued me a new card number. Second time, the agent told me that I had spent that money myself with an authorized charge, which is not true. And when I tried to file a chargeback, they denied it to me saying the charge was authorized. However, XXXX XXXX did not take the money, and the history of charges show Revolut as the merchant ( attachment no. 1 ), so Revolut took my money without being authorized and without any services bought. I repeatedly asked what is the charge for, and they have no answer to me. As you can see in the attachment ( no. 2 ), I filed a complaint with them, they responded on XX/XX/XXXX again denied me a refund, still with no explanation of who took my money and what they did charge me for which you can see in the letter. 

Thank you for your consideration.
Consumer complaint received 2022-02-02
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. (IL)

The accounts listed below are in accurate. I did not consent or authorize anyone to benefit from my credit. This is a violation of my consumer right. 

Account XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX. XXXX
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

In XXXX of last year was when the 1st problem started where on my credit report through trans Union and through XXXX XXXX  decreased by XXXX plus points when only positive things occurred on my credit report meaning accounts were removed and balances decreased no interest was gained on any debt no payments were missed yet the my score dropped by XXXX points. Again in XXXX of this year my score as well with TransUnion and XXXX XXXX  decreased by XXXX points they have since changed it on their side because I complained so now I dropped XXXX points points but again nothing changed no interest was gained on any debt that I have no payments for missed aid balance decreased and An collection account which was on my report which was not mine was finally after a year and a 1/2 proven that it was not mine and they have removed it. And my score drops XXXX points. I contact both companies they both just blame the other 1 no 1 can give me actual explanation as to why they dropped when things positive happened to my account and I need help. I have worked so hard on getting my credit back to a good level because I live in such a dangerous neighborhood I am struggling to get out of this neighborhood so I have been working on my credit since they dictate how people live their lives and now in 2 months they've taken my credit down from a good to now a poor. So I just can't understand why no one can provide me with the information that I'm asking everybody wants to just blame the other person I want to know why and I've looked at all of the models that people use for calculating our scores so I know that it noh that a no model is there a situation where my credit score should drop in this type of situation I wasn't even looking for it to increase I would have been happy with it staying the same back starting in XXXX because that way I know that I would be on the right track but every time I do something positive my scored drops so what am I supposed to do Also now when I try to contact the company 's TransUnion won't even let me get through their automated system to get me on the phone to talk to somebody and credit karma now is playing this game where they can't respond to my emails saying that I'm not emailing them from the account that is listed with them and that's completely
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2022-05-30
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. (LA)

company will not validate and show the method of verfication for disputed items. i have sent letters out on XXXX XXXX until now every 30 days company still have not validated or provided the method of verification. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX. Validate Verify XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I visit the atm on XX/XX/22 to make an atm deposit I deposit XXXX in cash in all XXXX and the atm machine froze up and took my cash without crediting to my account, I called the customer service number to repoart accident the guy who I was speaking to was being rude I ask for a supervisor multiple times after filling claim I even ask for the claim number he never provided it & hung up on me and I was told when I visit branch my account was closed Atm address is XXXX XXXX XXXX XXXX, MD XXXX United States
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5800.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$3000.00}
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (TN)

I was hired through XXXX to work at XXXX in XXXX, TN. When XXXX asked me to convert to a full-time XXXX employee XXXX I accepted and started the on-boarding process. Sterling Infosystems conducted my background check. The XXXX XXXX, TN courts reported to Sterling that I plead guilty for a wrongful arrest the Sheriff 's Office conducted on XXXX. My assigned public defender, XXXX XXXX, had me sign a retirement. I never plead guilty. When the background check came to XXXX 's attention, they refused to hire and instructed XXXX to terminate my employment. XXXX XXXX 's wrongful arrest was part of the ongoing extortion by the county at the request of the patent thief, XXXX XXXX XXXX who had stolen my invention years before. This XXXX employment manipulation by Sterling Infosystems, XXXX, XXXX, and the XXXX XXXX courts has resulted in 10+ years of unemployment with 8+ years of homelessness. And the extortion continues despite my constant reporting to federal authorities such as the XXXX XXXX field office and TN XXXX headquarters in XXXX. To continue the coverup, a XXXX XXXX, TN Sheriff 's Deputy has been murdered, XXXX XXXX. I sent XXXX an email containing incriminating information about an arsonist that was involved in the intellectual property theft that moved into her county. In less than a month, she was murdered and her house was set on fire twice. XXXX XXXX has been arrested for the murder. But like my wrongful arrest, I strongly suspect XXXX is being framed. This is what happens when the Republican Party takes over a growing small town. The small town corruption grows too. Former Sheriff XXXX XXXX was replaced by a smarter version of himself with the criminal activity continuing to this very day. The Sheriff 's Office is run by criminals. The XXXX XXXX XXXX is run by backwood southern lawyers. I became aware of the XXXXSterling Infosystems lawsuit today.
Consumer complaint received 2021-12-28
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. (NC)

dear to whome this may concern i reported to credit bureaus on the inquires on the reports are fraudeulant and i did not authorize these inquires and that they be removed immediately and got no response! also reporting the correct personal info on the credit report with one address and one name spelled correctly.
Consumer complaint received 2022-04-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (ME)

I have been waiting for my COVID-19 relief program since XX/XX/XXXX. I called and requested an end to my forbearance and a loan modification. I was told it would take 30 days. I received a letter on XX/XX/XXXX dated XX/XX/XXXX, indicating that they recently mailed me a letter that contains the agreement that I was approved for and describes what the workout is and how it impacts my mortgage. I called the servicer on XX/XX/XXXX as I had still not received a separate mailing from them even though the XX/XX/XXXX letter stated it was " recently '' sent. I was told by XXXX that the paperwork was not done yet. I requested a call back from a Supervisor as I wanted to know when my paperwork would be sent so I can take care of my mortgage. I was told to just " pay what you can ''. I asked how any payments I make would impact the workout offer and she couldn't answer. I was told I would receive a call back within XXXX hours. As of today, XX/XX/XXXX, I am still waiting for that call back as well as my paperwork with my approved workout information and agreement.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I recently filed a complaint TransUnion responded that they can not be removed. However that's not true I have attached the law pertaining to inquiries what they stated is not true.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (TX)

I received coupon code from chase for opening account and receiving checking bonus ( get {$220.00} when you open a Chase XXXX XXXX account and set up direct deposit within 90 days ). When I applied for this account and opened it I received the following message from chase : " Your account is open, but we couldn't apply your coupon at this time. ''
Consumer complaint received 2022-04-05
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)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
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. (GA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX  XXXX