davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-11
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. (SC)

there is various lines not being reported correctly, there are various lines reporting the wrong information. All agencies should be reporting the same information : Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Secured credit card Credit line secured Secured credit card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$25.00} {$25.00} {$25.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$290.00} {$290.00} {$290.00} No. of Months ( terms ) : 0 0 0 High Credit : {$460.00} {$460.00} {$0.00} Credit Limit : {$300.00} {$300.00} {$300.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Secured credit card Amount in XXXX column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ACCT HISTORY is not reporting correctly
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

It has come to my attention that pursuant to the Fair Credit Reporting Act, XXXX, XXXX, and Transunion has violated my Federally protected consumer rights to privacy and confidentiality

und er 15 USC 1681. 15 U.S.C. 1681a : States I have the right to privacy 15 U.S.C. 1681b : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 the information is inaccurate. 

Since I haven't authorized any business or consumer reporting agency to report on my consumer report I am now exercising my right to opt out of any and all authorization I the federally PROTECTED consumer may have given whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Consumer complaint received 2023-06-01
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. (TX)

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 

XXXX XXXX - {$250.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$700.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$3200.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$140.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$2500.00} Last Reported : XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 604 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 without my written authorization.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am in the process of purchasing a home for my family and it was requested by a lender to pull my credit reports. As part of the review I found there are inaccurate items and should not be on my credit report. I understand mistakes happen but this needs to be fixed because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : Acct Name : XXXX XXXX XXXX with Account # : XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing 120 days past due multiple times according I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.
Consumer complaint received 2020-06-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

Dear Sir/ Madam, I am writing to file a complaint against Moneygram for their unfair business practices. I used their money transfer services to send XXXX USD from my XXXX account to my own account in XXXX. I did the transfer and received an email on XX/XX/XXXX that the transfer has been sent ( The Reference # for this transfer is : XXXX ). I did not receive the amount and asked them to cancel and refund for the same. I have been calling their customer service for the past one month and they made an excuse that it would be refunded within days which never happened. I look upon the CFPB and wish to issue the complaint about refunding my money from Moneygram. Kindly consider this complaint as a high priority and I hope you will understand the situation. Expecting a positive outcome soon. 

Kindest regards, XXXX
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collection Bureau of America Ltd. (CO)

ON XX/XX/2022, I completed a payment with XXXX XXXX XXXX XXXX XXXX  | XXXX XXXX XXXX, located in XXXX XXXX, CA, which manages an app that provides debt relief services. I paid XXXX, {$190.00} to close a collection account to COLLECTION BUREAU OF AMERICA with the original amount of {$300.00}. This account was supposed to be a PAY TO DELETE agreement which I made with debt specialist, XXXX. 

Let me make this clear, this was never my account in the first place, but in order to make a vehicle purchase, it was clear to me that I needed to pay this balance off since I was never able to get it removed. XXXX received the payment from me on XX/XX/2022 and never paid the collection company off. This is also reflecting another account for another account I paid XXXX to remedy also, and have them delete from my credit reports, which XXXX also failed to pay and they collected my funds without ever paying off the balance as well. 

COLLECTION BUREAU OF AMERICA XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX : XXXX | XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX ) XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX. 
ACCOUNT BALANCE : {$300.00} NEGOTIATED AMOUNT WITH XXXX : {$190.00} ( one time payment ) ADDITIONAL NOTES : Account was agreed to be paid for at negotiated amount with a pay to delete I wish for XXXX to pay the account off as agreed to, I wish for COLLECTION BUREAU OF AMERICA to delete this account as it was agreed to by XXXX in our PAY TO DELETE agreement, and I wish for any additional fines as regarded in Federal Consumer Laws, Colorado State Laws, and California State Laws to be applied to XXXX and for me to obtain those funds for violations which XXXX  made against me.
Consumer complaint received 2020-07-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I have sent " Experian '' several certified letters 120 and 90 days ago disputing the late payments they're reporting is inaccurate and needs to be corrected as I never been late on any of my accounts, also Experian has one of my accounts marked as closed when its an open and active account. Experian never responded or corrected the problem!.
Consumer complaint received 2020-07-02
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. (NJ)

on XXXX XXXX 2020 i contacted TransUnion and XXXX  to dispute of an account ( XXXX XXXX XXXX   account number starting with XXXX ) which not belongs to me dispute number for trans union is is # XXXX, dispute number for XXXX is XXXX i called TransUnion and XXXX on XXXX/XXXX/2020 to hear an update they told me that company verified this account and disagreed with my dispute, i asked if company provided with proof hat the account belongs to me, transuion and XXXX  told me their is no proof,
Consumer complaint received 2022-06-25
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. (OK)

I RECEIVED MY CONSUMER REPORT AND FOUND INACCURACIES ALL OVER MY REPORT DELETE IMMEDIATELY.INACCURACIES LISTED BELOW. 


XXXX XXXX XXXX XXXX $ XXXX CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX XXXX XXXX  XXXX XXXX $ STATUS CLOSED, XXXX # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX BALANCE XXXX $ STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( INACCURATE WITH XXXX AND XXXX ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED IS ( INACCURATE XXXX XXXX AND XXXX ( XX/XX/XXXX ),
Consumer complaint received 2021-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (MA)

I Had moved from my previous address in XX/XX/XXXX of 2018. I spoke to a few representatives and there were several issue at the time. I had owed last months bill which was paid. I also had several issues with paying that bill as well at the time because the amount was outrageous and could not be justified by XXXX XXXX. I believe my bill was mixed up with my ex-husbands name XXXX XXXX who had previously moved out and our bills where intertwined at the time. They also stated he had another bill, but I was not interested to hear his other account info. I went back and forth several months after I moved, and was going to pay because it was on my report, but one of XXXX  XXXX associates I finally spoke to saw their was a discrepancy on more than one of my bills and stated that it would be taken care of and it was removed from my Credit Report at that time. I'm in the process of buying a new home and I pulled my report and saw it was back on my account almost 2 years later still trying to get the bill pushed for payment? I will not tolerate this injustice of playing around with someone SSN as they removed it knowing it was an error on their part and then removing it to then trying to slap it back on my credit report to get a payment that ' not mine. I refused to be bullied into making someone else 's payment or just their billing depts error for their profit of {$1100.00} for a utility bill, that's an insane $ amount for a monthly payment for anyone. If they allowed that amount to go on that " their fault for allowing someone's bill to get that high and should be criminal if they think that will be accepted.
Consumer complaint received 2020-07-02
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX {$3100.00} XXXX XXXX {$1100.00} XXXX XXXX {$220.00}
Consumer complaint received 2020-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX {$3100.00} XXXX  XXXX {$1100.00} XXXX XXXX {$220.00}
Consumer complaint received 2020-07-02
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: Experian Information Solutions Inc. (NJ)

Im a victim of idenitiy theft..I submitted several disputes with the creditors and the credit reporting agencies ..creditors told me its the responsibilitiy of the crdit reporting agencies to remove the fraud accounts ..the credit agencies are refusing to remove some of the accounts. For the past 9 months I made several disputes with my police report ... Experian told me they can not accept my report but never gave me a reason why. I went back to the police department to see if they where contacted by the credit reporting agencies ..They said No..So why wont they accept my report? I followed there directions and supplied them with a offical police report..on XX/XX/2020 The received the attached letter from experian stated i should contact the creditors and when i contact them they say its up to the credit agencies and address XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX NJ don not belong to me which XXXX is reporting account from XXXX and XXXX that Fraud and XXXX  is reporting XXXX, XXXX and that are fraud..attached also is my police report
Consumer complaint received 2022-10-12
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. (SC)

These hard inquiries have been on my accounts and I do not recognize them at all, I have made multiple calls to the fraud departments at XXXX, XXXX, and Transunion however no one assisted me. I am attaching an identity theft report to this complaint. 
Hard inquires that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( RAN ON MY REPORT 3 times ) XXXX XXXXXXXX XXXX XXXX XXXX  Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Good afternoon, my name is XXXX XXXX. I am reaching out to u, due to the fact my account was hacked and my entire account was drained ( {$3600.00} ), with only {$22.00} remaining on the card the card was terminated and I received a new one. The felonious charges that were made were from the state of New York, I live in XXXX XXXX, can. Bank of America EDD is the company.This incident took place XXXX XXXX. I have already filed a claim, but I'm being told I would have too wait from any where from 45-90 days until case is resolved to receive the money stolen out of my account. I spoke to claims..and I have been getting the run-around..i was told 5 - 6 different answers of when my money will be returned.Due to the pandemic and the end of the month, there is no way I can wait that long. My rent was due XX/XX/XXXX, late fee starts on the XXXX of XXXX. I understand that Bank Of America have a policy that they follow, but I ask that something be done concerning my case in a more expedient manner. I have XXXX children, ages XXXX and XXXX  years of age. So I humbly ask something can be done, I look forward to hearing from you and thank you for your time. # Claim number XXXX ..my phone number XXXX
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I submitted disputes with XXXX  and XXXX and both were closed. I have a XXXX balance as I paid off my mortgage with XXXX  nearly a month ago. It is still on my credit report with a balance.
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: SYNCHRONY FINANCIAL (FL)

XXXX emailed me a credit card offer XX/XX/2021. Offer said " Open XXXX Mastercard issued by Synchrony Bank & spend $ 300+ w/XXXX within 30 days & receive a {$60.00} statement credit. '' I opened account on XX/XX/2021, was approved instantly by Synchrony & program eligibility for purchases ends XXXXXXXX XXXX. I made a purchase on XX/XX/2021, & called XXXX to insure purchase was applied. They advised I must link credit card to get purchases credit but card wasn't linked. I called back several times to record my complaint that I called Synchrony & they refused 1. -to link card to my XXXX account, 2.-would n't give me card info securely so I could link it, 3.- wouldn't extend 30 day period past XX/XX/XXXX since card won't arrive until mid- XXXX XXXX XXXXwould n't credit my {$130.00} purchase XXXX said bank controls program offer. I had called Synchrony bank on XX/XX/XXXX. I tried to resolve problem with XXXX & Synchrony & was not able to with either. Spoke XXXX last on XX/XX/XXXX & finally got issue recorded & escalated. I don't have Card yetXXXX I feel since Card isn't automatically linked or I can't get card information to link card myself or program time extended, that offer advertisement is deceptive. The Bank is cheating me by curtailing the time that I have to make purchases on new credit card in order to save the {$60.00}. credit, which is a deceptive advertising & trade practice. XXXX is also complicit by not revealing the linking requirement or that bank won't auto link the card to my account & the fact that period starts immediately @ account opening, not after receiving card & that their would be a delay in receiving card. 
Synchrony Bank New card Division is XXXX XXXX XXXX, XXXX, Fl. XXXX, XXXX w/headquarters in XXXX Utah, XXXX www.synchronybank.com . 
XXXX headquarters XXXX XXXX XXXX, XXXX XXXX, Ca., XXXX, XXXX XXXX As remedy, my {$130.00}. purchase on XX/XX/XXXX be applied to program spending minumum & I be given extra time credit for days I don't have possession of card.
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-09-07
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: I.C. System, Inc. (GA)

I received a bill in the mail around XXXX stating I owed a bill of XXXX dollars for a hospital visit. I reviewed the information and realized that this was for a visit that I never had. I have never been to XXXX Georgia but they are claiming that I received services from them as of XX/XX/2020. My issue is that I again have never been to XXXX GA. Now they have placed this on my credit which is becoming a hassle to have removed. In addition to this, me and my insurance provider reached out to the company seeking resolution but they gave us the run around. I requested verification by way of identification they used to process this and they stated I was unconscious. It has been a nightmare and still I am being affected by this foolishness.