davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
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. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TransUnion has been notorious in holding my credit hostage. 15 USC 1601 explains that grave responsibilities consumer reporting agencies have with consumers yet TransUnion seems to not abide be those rules. Federal law explains what should and what should not be on consumer reports yet every time I dispute an item it always comes back as accurate and complete. Even though federal law Pursuant to 15 USC 1681a ( 2 ) ( B ) says any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. TransUnion has taken it upon themselves to hold my credit hostage fraudulently. Pursuant to 18 usc 241 you and your counterparts are in violation of my rights under the constitution. 18 usc 8 clearly explains all indebtedness is obligation of the UNITED STATES. Yet you and your counterparts want to collude to keep me down and enslaved. The accounts need to be removed immediately or I will file suit and you will be charged.
Consumer complaint received 2024-09-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MN)

I have sent a validation letter to Midland Credit management, and they have failed to provide me with all the requested information. I also noticed that as a collection they are reporting as the original creditor, as well as reporting as an open account. Which should not be done when an account is in collection.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MS)

In my previous report, accounts were flagged as fraudulent and supposedly removed per my Federal Trade Commission ( FTC ) report. However, these accounts remain on my updated report. ChexSystems has failed to uphold its stated commitment to remove these accounts.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Coinbase, Inc. (FL)

XX/XX/XXXX - XXXX PM - I paid XXXX XXXX {$2500.00} for their moving services. 

XX/XX/XXXX - XXXX PDT - I emailed support that I needed to dispute the charge of {$2500.00} to XXXX XXXX The owner contacted me and cancelled. He said that he never received the {$2500.00} so he was not going to complete my move. He wanted me to send him an additional {$2500.00} on top of the {$2500.00} I had already sent. I started to feel like this guy was a scam artist and that is why I reached out immediately to dispute the charge. 

XX/XX/XXXX - I sent a follow up email to coinbaseXXXX XXXX  XX/XX/XXXX XXXX I sent a follow up email to Coinbase/XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX All of these dates I have reached out and no one can ever give me an answer. A few times they act like they cant find the claim. I have been given multiple claim numbers. I cant get a human on the telephone. This is AWFUL customer service! 

Case # XXXX Case # XXXX Case # XXXX Case # XXXX Case # XXXX
Consumer complaint received 2021-04-06
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. (IL)

Please delete the account listed below in accordance with the FCRA section 605B and FDCPA. Under section 605B of the FCRA it states that this credit card should be permanently deleted from my credit profile within 4 business days because it was opened fraudulently. I have attached the FTC Complaint to this file. 

XXXX XXXX XXXX Account XXXX
Consumer complaint received 2021-05-17
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. (MS)

TransUnion is reporting the following items inaccurately. Can someone please look into this. Thank You. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX never late XXXX XXXX not mine XXXX XXXX US BANKRUPTCY COURT XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IL)

XXXX Amount : {$61.00} I request the amount of the debt : A detailed accounting showing the amount owed, including any fees, interest, or charges added to the original amount. 
2. The name of the creditor : Verification of the original creditor and a clear chain of title demonstrating how you have the authority to collect on this debt. 
3. Proof of the debt : Copies of any documentation, such as the signed agreement or contract, that shows I am legally obligated to pay this debt.
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

Transferred balance from comenity bank and payment passed due date incurred late fee this was when hurricane Dorian passed thru asked for late fee to be waived now balance exceeds 240 dollars and fico dropped 100 points
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent to XXXX, Transunion and XXXX the letters pretaining to the removal of personal information due to identity theft I sent in the forwarding documents and I received no response nor was the information removed. XXXX keeps reaging accounts that should have been removed and they fail to remove information that is incorrect.I feel that XXXX is retailiating against me because I am a consumer in the class action lawsuit against the company. 15USC 1681 I ( 5 ) States that everything has to be complete and accurate. 15 USC 6802 States " No financial institution is suppose to share my information to third party people. My federal consumer rights are contioniusly being violated. 15USC 1681 section 602 A, states " I have the right to privacy, also 15USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. In which these accounts are violating my rights. acct # XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX, acct # XXXX XXXXXXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX in which has a contract with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15USC 1692 section 805 A in which XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights as well. 

ATTACHMENTS XXXX ( XXXX MB ) XXXX ( XXXX MB ) View full c
Consumer complaint received 2023-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Kikoff Inc. (NY)

Hello, I made a {$800.00} ACH withdrawal from my KIKOFF checking account to mXXXX XXXX XXXX XXXX  checking account on XXXX It stated initially that the transfer would take up to 5 business days. On XX/XX/, I receive an email from KIKOFF stating they have been having issues and delays with ACH transfer requests. I immediately emailed customer support to receive an update on this issue.On XX/XX/, I call customer support, who informs me that the transfer has been canceled. I ask where my funds are and I do no receive an answer. I am told I would receive an email in 1 business day. On XXXX, I do not receive an email as told, so I call again. They again state the transfer was cancelled and that they will follow up with email. I asked numerous times to be transferred to a supervisor and the customer rep says there is no supervisor. On XXXX, I receive an email stating Thank you for getting back to me. Upon review, I can see that the {$800.00} is available now on your secured card. We are terribly sorry that this event occurred and are diligently working with our partner processor to understand the root cause. In the meantime, we are prioritizing processing the delayed ACH transfers. However, the money is still not in my account. I call customer service who again says that the transfer was canceled. After asking numerous times again to be transferred, I am transferred to an automatic message that states there is no supervisor available and the phone call ends. I call again, this time finally transferred to a supervisor who does not know anything about the situation, and says that the email I received is false. They still have no idea where my money is, and after asking them to credit my account while they investigate, they refuse.
Consumer complaint received 2021-07-16
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. (VA)

I attempted to file an online dispute but Experian have blocked me from disputing inquires and other inaccuracies on my Experian online account. My only option was to mail in my dispute which I did. I received an alert today from Experian account via email and when I logged into my Experian account for the result 's from my dispute was not available to me instead the message on my account stated to call customer service or check my report for updates but there's no information on the results on my credit report. I spoke to five representative and I was continuously transfer to multiple representative and even hanged up on. The representative stated they can only read the results to me but can not remove the block on my online account for me to read the results online. I was told that the information was verified but I was deny access to see the result of the investigation for myself. Experian have blocked me from disputing online inaccuracies on some of my account online. Please assist me in getting the result 's of my dispute investigation. Experian should be able to determine how i receive the information. Below are the case number for the disputes. Thank you Results Report Number : XXXX Date Generated : XX/XX/2021 Your dispute results are currently not available online Please call one of our friendly specialists or check your report for updates. 

When calling, use Report # XXXX. 


Results Report Number : XXXX Date Generated : XX/XX/2021 Your dispute results are currently not available online Please call one of our friendly specialists or check your report for updates. 

When calling, use Report # XXXX XXXX Mon - Fri : XXXX - XXXX
Consumer complaint received 2020-07-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

On XX/XX/2020 I attempted a money transfer to XXXX, XXXX. via Money Gram Online Services through their app. 
I initially sent {$100.00} which was available immediately to her account, I then attempted to transfer {$2000.00} and was notified that the transaction was successful, however when the recipient tried to access said funds it was not debited to her account. 
on the next business day, Monday XXXX XX/XX/2020, said recipient went into her local bank and was told that the funds were not deposited to her account by MoneyGram, I  then cancelled the transaction and contacted MoneyGram and was told that they were aware of the situation and was subsequently given case # XXXX by agent XXXX, I was told by him that only first names were given to consumers. 
On XX/XX/2020 after checking my account on numerous occasions I called MoneyGram 's customer service enquiring about the refund, I was then told by the responding agent that it takes at least 90 days for such refunds to be made, I find this a bit hard to accept hence my complaint here seeking some assistance in said matter.
Consumer complaint received 2023-06-02
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: EQUIFAX, INC. (CA)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair the following items : 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 2022-10-21
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: R & B Corporation of Virginia (NY)

I have contacted by ( certified mail via XXXX ) XXXX and have not had this issue resolved. In accordance with the Fair Credit Reporting Act, everything reported has to be 100 % accurate on a credit report. XXXX is reporting addresses that are not accurate or relevant. I did not give XXXX permissible purpose to report false and inaccurate information on my credit report. I can not receive mail or any correspondence nor do I have access to any of these addresses. XXXX is reporting inaccurate account numbers and reporting collection accounts as " late ''. When I cross checked my credit reports the account numbers are different across all of the agencies. In my certified Letter I requested the original contract to show proof the accounts were valid. All i received was a letter saying the accounts were verified and none of the request made in the letter. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My rights have been violated under 15 USC 1681 section 602A, which states I have the right to privacy and under 15 USC 1681 Section 2 which states a consumer reporting agency may NOT furnish a credit report without the consumers written permission. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. 

In accordance with the Fair Credit Reporting act ( CREDIT CONTROL CORP ) has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. 

I would like compensation for the various violations on my credit report for this has had an adverse affect on my ability to obtain credit. For this i should be compensated do to their fraud and negligence. An example should be made so that no other consumer rights are violated. This is a serious matter and should be rectified asap.
Consumer complaint received 2021-09-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (TX)

On XX/XX/2021, I contacted OneMain for any payment options in which I thought would not be successful. However, I spoke to XXXX that hurried through a deferment options but needed me to sign the deferment documents. I was trying to read the documents however the process was rushed. XXXX stated all I needed to pay-was {$180.00} and told me to call back once I talk to my son. Usually, when the customer had to pay the deferred payment and sign document. However, I trust everything was ok but the information was different than XXXX told me. I was told for my XX/XX/2021 payment a deferment would be done and all I needed to pay was the XXXX. When I called back to make the payment, XXXX stated I needed to pay the exact of {$180.00}. He could not explain why there was balance of {$35.00} I still needed to pay for XX/XX/XXXX. I told XXXX the documents signed should redone because it does not agree with I was told would happen. He stated XXXX was at lunch and sent him a message to contact me once he return from lunch. I feel when you are handling loans or anything that could affect a customer financial, the process nor the customer should be rushed so they can go to lunch.