davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (CA)

I purchased a Netspend pre-paid Visa debit card on XX/XX/22 in the amount of {$500.00}. All that was required at the time of purchase was a state issued photo ID and the payment. I activated the card on the netspend website and verified that the account had {$500.00}. 
I wanted to make certain the card really worked, so I attempted using it at a convenience store and it didn't work. I then tried a restaurant and it was declined. 
I called Netspend and they stated it was locked due to " suspicious activity. '' I would hardly call a gas station convenience store and {$30.00} restaurant bill suspicious. I verified that it was me who was using the card and they still redused to unblock it. Netspend then made a request for my photo ID to be sent to them via text message. That seemed strange and I asked them why I had to do this. At that point they said I had to email the photo of my ID along with my Social Security Card and proof of my address. I refused. For one, most people won't be able to do that. Secondly, their claim of " suspicious actiity '' is arbitrary. Three, the are asking for unnecessary personal information that no bank asks for and placing a hardship on the customer by making such requests. 
Netspend has a pattern of doing this in the past to customers. They now have {$500.00} of mine and I have no leverage to demand access to my own money.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OH)

I had no problem today getting reports from XXXX or XXXX using XXXX. However, Equifax presents me with bogus questions to confirm my identity ( all were N/A ). This exact scenario played out in XX/XX/2020 -- Equifax was the only bureau presenting bogus security questions. I responded by requesting my Equifax report via mail and included the security questions with a full description of the online access issue. Nothing in the Equifax report I received was remotely similar to the security questions that lead to the denial in XXXX and there was no communication regarding my access issue. A quick web search revealed that I am not the only victim of Equifax 's " glitch ''. Is anything being done about Equifax denying people their own personal information, to which they are entitled by law? Thank you.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-02-14
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. (CA)

According to the FDCPA, specifically 15 US Code 1692 ( c ) ; this is my formal declaration to terminate and cease all communication from you in regard to the debt you are attempting to collect. In response to the Ceasing Communication Notice, in accordance with the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will take place. Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication, confirming your acknowledgment of this letter, is in violation of the FDCPA. In addition, any third party that you use to coerce the collection of this debt shall also be in violation of federal law. If you do not cease communication a lawsuit will be commenced against you.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XXXX I filed a complaint with the CFPB about inaccuracies on my credit report. I provided documentation from XXXX, XXXX, as well as TRANSUNION showing THE DEPT OF EDUCATION is reporting 1 account differently to the abovementioned companies causing me grave injury. XXXX XXXX XXXX XXXX XXXX and without this misinformation being corrected I XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP (CA)

In XX/XX/XXXX, I received a " Notice Of Intent To Intercept Filing '' from a company, Linebarger Goggan Blair & Sampson , LLP ( LGB & S ) claiming that I owed {$300.00} to XXXX XXXX XXXX XXXX for a traffic citation. I have been a recent victim of Identity Theft and believed this letter to be fraudulent. 

In XX/XX/XXXX, I discovered that I had Unclaimed Property with the State of California in the amount of {$330.00}. I filed a claim for the money and received a XX/XX/XXXX notice from the California XXXX XXXX XXXX that {$300.00} of the {$330.00} would be intercepted and sent to LGB & S. 

I discovered through an online investigation of LGB & S, that the company was fined {$3.00} Million for a Class Action suit for fraudulent and unfair business practices in their debt collections and had received hundreds of negative XXXX XXXX XXXX complaints and company reviews. 

On XX/XX/XXXX, at XXXX, I contacted LGB & S and spoke with XXXX XXXX XXXX I told her that I did not owe money for a citation and would provide proof by email. XXXX XXXX informed me that LGB & S would be responsible for refunding the money if I could prove the debt had been paid. 

Today, XX/XX/XXXX, I used the Case Number from the LGB & S letter to search for proof of payment on the XXXX XXXX XXXX XXXX website ( XXXX XXXX XXXX  ) and discovered that the citation had been dismissed by the court. 

I contacted XXXX XXXX XXXX XXXX by phone at ( XXXX ) XXXX and provided the citation number # XXXX. The Clerk informed me that the citation, which was FOR {$XXXX} ONLY, had been paid, resolved, and dismissed ten years ago in XXXX. 

I sent an email with proof of the citation dismissal and notified the California XXXX XXXX XXXX about the fraud. I also plan to file complaints about the fraudulent activities of this company to other agencies such as the XXXX XXXX XXXX and news media sources to alert the public about Linebarger Goggin Blair and Sampson, LLP as I have proof that they continue to use unscrupulous and illegal means to prey on individuals with unfair and fraudulent business practices.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

XXXX is reporting inaccurate 30 day late notice on my credit report from XXXX XXXX XXXX on account XXXX for the month of XX/XX/2020. As factual proof I have provided to XXXX  my XXXX XXXX  statement for the month of XX/XX/2020 showing payment being made on time for the month of XX/XX/2020 via automatic payment from my XXXX XXXX Checking account. Additionally the statement for the month of XX/XX/2020 shows multiple payment being made to XXXX XXXX XXXX from my XXXX XXXX Checking account via automatic payment. After I have provided factual documentation as proof of my payment for the month of XX/XX/2020 XXXX refused to remove this inaccurate information from my credit report is defamation of character and willful injury under section 623 of the FCRA.
Consumer complaint received 2022-09-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Tranunion has not operated within the parameter set in the Fair Credit Reporting Act which in pursuant to Fair Credit Reporting Act 1681i ( a ), the CRA that receives the dispute must conduct a reasonable reinvestigation of the dispute in regards to XXXX XXXX XXXX. Transunion has not conducted a proper investigation. The initial investigation was took well beyond the 30 days allowed in the FCRA. My initial disputed stated that XXXX  # XXXX had also violated by rights under the FCRA which states in Section 604 A Section 2 : a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 Initial dispute XXXX Company closed dispute on : XX/XX/2022
Consumer complaint received 2023-11-21
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)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
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 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-11
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. (CT)

I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX is the company that is reporting this to XXXX and Transunion. As well as XXXX XXXX XXXX  is also reporting falsely. They removed it on XXXX but they were not able to remove it on XXXX and TransUnion. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2020-12-28
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. (NY)

Dear CFPB, Experian and XXXX  accused me of using a third party credit repair company when it was actually me. I feel completely violated and heavily stressed. Please help solve this problem. It's been over two months.
Consumer complaint received 2020-12-28
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. (FL)

By this message, I would like to let you know that I found accounts that are not mine in my report recently. Its violation of my rights to report inaccurate data in my credit report. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions and delete them forever.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA (IN)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Cell XXXX. 
email XXXX FNBO account # XXXX Credit limit start date XX/XX/XXXX was {$9400.00} credit limit on XX/XX/XXXX is {$500.00} First National Bank of Omaha Bank Headquarters Phone Number ( XXXX ) XXXX, XXXX XXXX XXXX XXXX Nebraska, XXXX, www.fnbo.com First National Bank of Omaha did not send me a consumer an adverse action notice letting me know they was doing a 95 % Credit Limit Decrease with me. {$9400.00} credit limit, never missed a payment.Then unexpectedly XX/XX/XXXX, my credit limit decreased to {$500.00} which inturn tanked my XXXX XXXX about XXXX points, and affect my credit utilization. FNBO First National Bank of Omaha cut my card limit down about 95 % This is Horrible how you treat people with your high limits then penalize those of us that are responsible and pay on time and more than the minimum!. Bait and Switch Contact customer service and I was told that my FNBO Credit Limit Decrease for not posting a high balance on my credit cards and paying my credit card in full each month. I am not in financial trouble, I never missed due dates, and " However, when people applied for the cards, part of he qualification and limit-setting process stated nothing about I had to spend on the card. FNBO drop my husband credit limit from {$15000.00} down to {$500.00}. My husband spoke to XXXX XXXX from the office of the President FNBO and restored his credit limit back to {$15000.00}
Consumer complaint received 2023-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED BANKSHARES, INC. (MD)

MY MORTGAGE LOAN SERVICER IS UNITED BANK. 
LOAN # XXXX. 
I HAVE BEEN MAKING PAYMENTS REGULARLY. 
EVERY MONTH I AM ASSESSED A LATE FEE- THE REASON IS THAT THE PAYMENT IS NOT POSTED BEFORE THE LATE FEE DATE WHICH TYPICALLY IS THE MIDDLE OF ANY MONTH GIVE OR TAKE A DAY. 
I HAVE BEEN USING ONLINE BILL PAY OF XXXX  AND PAYMENTS ARE MAILED 7-10 DAYS BEFORE THE LATE FEE DATE. DESPITE RECEIVING PAYMENT IN TIME THE COMPANY DOESN'T POST IT FOR DAYS AND FREQUENTLY POSTS IT LATE AND THEN ASSESS A LATE FEE. THERE IS NO OPTION I AM TOLD OF MAKING DIRECT PAYMENT - LIKE FROM THEIR WEBSITE OR ACH. 
WHENEVER I CALL THEM THEY TELL ME THAT I CAN NOT TALK TO ANYONE IN THAT DEPT AND THEY WILL HAVE THEM CALL ME. THOSE calls HAVE NEVER BEEN RETURNED EVER IN LAST 5 MONTHS I HAVE BEEN HAVING THIS ISSUE. 

THIS IS REALLY PREDATORY BEHAVIOR. THEY ARE HOLDING ON TO THE PAYMENTS AND NOT POSTING IN A TIMELY MANNER. WHAT'S SUSPICIOUS IS THAT THE PAYMENT POSTING DATE IS ALWAYS ONE DAY AFTER WHICH THEY CAN ASSESS A LATE FEE. 
THIS SHOULD BE LOOKED INTO ASAP. 
THEY HAVE POOR CUSTOMER SERVICE AND ARE NOT SERVING CUSTOMERS.
Consumer complaint received 2020-12-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (NV)

Radius Global Solutions LLC did not send me notification regarding this issue. I contact XXXX XXXX several Times regarding fraud charge in which they never got back to me. They told me several times after calling them they was going to get back with me. 
XXXX XXXX XXXX never made no attempt to call me regarding this situation. I call them about the issue and they never mailed me nothing nor tried to resolve the issue. 
Radius Global Solutions is now trying to charge me an additional {$100.00} dollars there should be nothing but was owed in which was {$32.00} dollars not the amount stated. 
I have also file a complaint with the US Attorney office regarding this matter.
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (NJ)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

XX/XX/XXXX REF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX Creditors account number XXXX EO Current balance {$31000.00} /Balance at divorce {$20000.00} XX/XX/XXXX To all concerned, Please be advised for the last couple of years we have been attempting to rectify wrongdoing. I represent My Daughter XXXX XXXX XXXX, I am on the contact list with her XXXX XXXX XXXX XXXX XXXX. The charges that occurred on this card were not made by XXXX therefore she should not be held responsible for this bill. 

In XXXX this account was paid in full and closed, sometime towards the latter part out of the 2016 year and the beginning of XXXX it was reopened without consent, knowledge and/or authorization. All charges that occurred during this time are fraudulent charges. This is what the card owner has been trying to inform yall of. There have been multiple requests of proof of these charges. 
When were these charges made? 
Where were these charges made? 
3, Where was any of the purchase delivered too if applicable? 

What was received on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are bills not any proof of purchase, what was purchased and where it was purchased. I will repeat these are unauthorized charges and XXXX XXXX XXXX if being extorted by the federal government. 

These charges came to light during a messy divorce, and because XXXX XXXX XXXX knew these charges were made by him he agreed to pay the XXXX XXXX XXXX, and the debt was a part of the divorce decree. Unfortunately for XXXX and being ignorant of states and federal laws, and the fact that the divorce agreement was not honored by the credit card company. The victim of this fraud being exported for charges that she did not make and the astronomical interest that 'is accumulating. 

The request is that the account be settled for the original balance of {$2000.00} and proof of payment be forward to XXXX XXXX XXXX so that she is able to file a contempt of court order against the guilty party XXXX XXXX XXXX. MOST important, this account must be taken off her credit report expeditiously, Please review and advices, thank you in advance Respectfully, XXXX XXXX XXXX, XXXX ( representative for XXXX XXXX XXXX )
Consumer complaint received 2020-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

I received two monthly mortgage statements in XXXX, the second statement showed unusually activity on the account along with an increase in the account outstanding balance. The unusually activity shown on the statement is listed as " curtailment reversal '' and " funds reversal ''. I contacted the bank by phone and spoke to an agent. After 30 minutes of discussion and the agent placing me on hold each time I asked a question, I was told that my outstanding balance had not increased and a letter would be sent out to explain the unusually account activity transactions. I waited a week and no letter. So I called again and spoke with a different agent. The agent reviewed the account and previous notes from my previous call-in. After 30+ minutes with this agent, he indicated that a letter again would be sent to explain the unusually listed transactions and the account balance issue. Again I waited a week and no letter. So I called again. I spoke with another different agent and explained the issue. This agent would put me on hold after each question and come back with a short statement and then on hold again. This conversation went on for 30+ minutes. Finally, the agent stated the account outstanding balance had not increased during the time between the two statements and said a letter had been sent out to explain this. I stated to the agent I had not received any letter and that I was not in agreement on her explanation regarding the outstanding balance. She hung up on me.