davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
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)

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX B XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-04-07
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. (CA)

I requested an investigation on a bankruptcy reported on my Experian file under my social security number which they responded their provider has confirmed the accuracy of the information, and yet when I requested the method of the investigation and the source of the information provide for over a year Experian has refused to provide that information even though I opened a complaint with CFPB ( Complaint # XXXX ) and they just responded again with a predefined response without providing information about the method of investigation and the detail of the information provider. 
I also included a copy of the court response letter which they completely ignored to consider. 
Experian is in violation of my FCRA rights and must provide the details on the source of the information they include in my Experian report as per FCRA.
Consumer complaint received 2021-12-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation (FL)

Aspire Credit Card solicits as a credit card to help people with poor credit build their credit. But, their bills are consistently misleading. The amount reflected on your bill is frequently in conflict with what the chat representative conveys when asked to explain the bill. If you pay your bill early it is reflected as an additional payment within the same month, yet their system does not advise you of a prior payment received at time of payment. The available credit on the bill is misleading. I became over the limit because of it. The over the limit amount math did not add up and could not be explained. It appeared there was a over the limit fee and additional fees mysteriously included in the calculation of the over the limit amount reflected on the bill. It is the most confusing card billing system, I have ever tried to keep up with.
Consumer complaint received 2022-11-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (CA)

Original creditor was XXXX XXXX XXXX XXXX. Debt was then sold and the debt to cks prime investments. Never did I receive a debt validation letter via certified mail. Im requesting to see proof of certified debt validation letter if they can not produce it I am requesting this debt be deleted because its effecting my ability to establish credit
Consumer complaint received 2022-09-28
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. (FL)

In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2021-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Placement Services, LLC (IL)

The Professional Placement Services sent me a notice via U.S. Mail about delinquent medical debt in the amount of {$54.00}.

I requested from the above collection agency to validate this alleged debt and provide me with a proof pursuant to 15 USC 1692 Sec. 809 ( b ) of the FDCPA.

The company provided me with a " proof '' of debt by creating their own statement dated XX/XX/XXXX. Upon review their statement, I found this debt is not owed by me to the former creditor XXXX XXXX XXXX. Back in XXXX of XXXX, I applied directly with creditor for financial assistance due to my financial hardship situation and the creditor applied a credit to my account. I have not heard from any other collection agency that I owed a debt to the creditor since XXXX of XXXX. 
Debt collector did not comply with Federal Debt Credit Practices Act and upon review their statement, I requested from them to send original statement from creditor showing that I owe this debt or any agreement that bears the signature of the alleged debtor and verification that this debt was assigned or sold to them, agreement with creditor that grants them the authority to collect on this alleged debt. I sent second request to them to revalidate a debt. Instead debt collector reported derogatory information to major credit reporting agencies XXXX, XXXX, and XXXX XXXX. I have been trying to dispute the reported negative information with each credit bureau Debt Collector violated FDCPA and responded to credit reporting agency that debt is valid and disputed by consumer I will now need to bring the above dispute to my state Attorney General and the company will not comply with the Federal Credit Act
Consumer complaint received 2022-10-03
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. (FL)

I was looking over my credit report and noticed several inaccuracies throughout it. Several collection accounts which are inaccurately updating balances. I sent a dispute letter dated XX/XX/XXXX to all 3 credit bureaus, which are currently undergoing the dispute process. XXXX keeps updating this account from XXXX XXXX XXXX for {$400.00} without proper investigation. I have also sent a letter to this company separately demanding them to valid this alleged debt.
Consumer complaint received 2020-12-04
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. (MI)

On XX/XX/2020 I sent 2 dispute letters each to XXXX, XXXX, & TransUnion. The first was disputing an inaccurate bankruptcy, and other was disputing a list of inaccurate accounts being reported by the bureaus. 
I never received a reply from any of the bureaus within 30 days, so I sent another round of letters on XX/XX/2020 demanding that action be taken to remove the inaccurate accounts. 
XXXX is the only credit bureau that has replied to be, but the letter was dated on XX/XX/2020, 48 days after my first letter was sent. And they haven't removed the inaccurate accounts from my credit profile. 
I have included all of the letters I've sent to the bureaus
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am the author of this complaint. I checked my credit report and saw that XXXX XXXX was reporting incomplete and incorrect info on my credit report. I disputed that accuracy and completeness of the account with the CRAs and after the reinvestigation results, the account was still reporting inaccurately and in a way that violates the FAIR CREDIT REPORTING ACT. 15 USC 1681s-2b states that if the error is not corrected after disputing with the CRAs then the creditor has to DELETE the tradeline from my consumer report
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2023-11-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (MO)

I have been trying to use my cash app for many years now. Last week I was on my facebook page and a XXXX XXXX sent me a friend request. I accepted it and the next thing I know this profile asked me if i needed XXXX dollars? I said yes and asked where these funds would be coming from! I was told FEMA funds. I was asked if I have cash app and what my cash tag is? I sent XXXX XXXX my XXXX XXXX. Next thing I know I receive a screenshot from my cash app profile! What I mean is someone took a screenshot of my XXXX pending cash app deposit and the screenshot showed they were logged into my account. This XXXX XXXX sends me a message on messenger saying the funds are actually from a cash app business account. This raised my suspisions. Cash app tells me I have to verify my account to receive my XXXX dollars. XXXX tells me I have to send XXXX dollars to receive my deposit. I asked if the funds are actually coming from an account of mine? I get back on my facebook page and this XXXX XXXX profile was posting on my page, in my story line, and the screenshot from my cash app account was already posted on my storyline with the song this is how we do it! Next thing I know posts start showing up on my page showing receipts for XXXX, XXXX, XXXX, XXXX, up to XXXX sent from my cash app account to people I do not know. And this XXXX XXXX profile is telling people to get in touch if they want some of my money! I blocked the XXXX XXXX profile who I am 99.9 % sure is actually XXXX XXXX and XXXX XXXX! XXXX XXXX and XXXX XXXX have been fraudulently using my accounts for way to long. XXXX actually died a year or two ago. A month or two ago I ran into XXXX XXXX and he told me about a program helping people. A XXXX XXXX XXXX is who showed up on my messenger and XXXX. I was told I qualified for XXXX just had to pay XXXX so I blocked the profile which again I believe was XXXX XXXX and XXXX XXXX fraudulently using my accounts. So I am in constant contact with cash app through this and I told my cash app support I also have $ XXXX, $ XXXX, $ XXXX and others. Cash app tells me they will not grant me access to my XXXX XXXX or my XXXX XXXX, or XXXX XXXX for security resaons! While in my cash app I went to the search window and found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and sent multiple messages to XXXX and XXXX and the support page in my cash app. Still no response about any of the other accounts. Why would I not be able to use my cash app accounts? When I downloaded my cash app in 2021 on a new phone of mine my cash app greeted me as XXXX XXXX! Nothing was done and still isn't! I want this fraudulent use of my accounts stopped! I have filed hundreds of reports with the CFPB and never received any refunds! I hope this is not another waste of my time with ths cfpb! Why have never received a refund when the cfpb claims it pays back money stolen to consumers?
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-10-27
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: Experian Information Solutions Inc. (OH)

I have forwarded this information over to experian XXXX and XXXX to remove this late payment from my credit profile I spoke with a representative on XX/XX/XXXX with all three bureaus and they have refused to do so self financial lender has agreed to remove the late payment from XX/XX/XXXXXXXX  from my credit report and the bureaus are not taking this removal seriously and is refusing to remove this from my payment history this had been a headache and has been negatively affecting my credit score as I am trying to buy a home I have attached the proof that XXXX self lender wants this removed from my credit report and these companies are giving me a hard time removing them!!
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act XXXX, XXXX. 
Closed on XX/XX/XXXX XXXX Closed on XXXX XXXX, XXXX XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$80000.00} Reported balance XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$20000.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

I spend up a Citibank card with a XXXX deposit. I was late on a payment and my account was closed. I called and was told I would receive my original deposit of XXXX back to wait a week. If I didn't receive it to call back, time passed and nothing so I called. I was then told I was charged a late fee and I would be receiving lesser amount and that it was deposited via direct deposit. I waited and waited and nothing. I called AGAIN and was told I would receive a check in the mail for XXXX to call back by XX/XX/XXXX if I didn't receive anything. I CALLED AGAIN TODAY SINCE I HAVE NOT RECEIVED MY XXXX MONEY YET. I was told a lesser amount XXXX has been sent out. I hung up because EVERY SINGLE TIME I CALL I GET TOLD SOMETHING COMPLETELY DIFFERENT. I just want MY MONEY BACK XXXX!!!!!!!!! IMMEDIATELY!!!
Consumer complaint received 2024-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (SC)

I am writing you in a last ditch effort to have {$770.00} credited back to me for XXXX  ticket number XXXX back to my citicard ending in XXXX. This was for a flight that did not occur due to the XXXX XXXX in XXXX. I have been trying since XXXX to get a refund. I have spoken to multiple people at XXXX  and Citibank. Being told that money is stuck somewhere and there is nothing that can be done. MULTIPLE HOURS involved in this. 

Initially I requested a refund from XXXX XXXX- they offered flight credit, which i disputed. Then I filed a dispute with Citicard- who found in favor of the airlines- could be because they have an XXXX XXXX Citicard. I then returned my complaint to XXXX, which resulted in a refund that citicard is saying they didnt receive. At one point I had both citi and XXXX  on the phone with me and neither could figure out where money is??? 

I am BEYOND FRUSTRATED!!! I have since closed XXXX citicard accounts and will not EVER do business with XXXX XXXX ever again! I have been a loyal citi customer for over 20 years, without XXXX late payment or filed dispute! 

For a CITICARD with XXXX  XXXX  BOTH companies should have a clue how to fix this. 


Reps at CITIBANK I have worked with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My last correspondence from XXXX  stated I needed to contact citi once more - after reaching their executive services department, I was told there was nothing they could do. I have paper correspondences saved.
Consumer complaint received 2023-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

Dear CFPB I filed a claim to Citi Mastercard Benefits because my phone was stolen/ taken from me on XX/XX/2023. 
I have received the result of this claim on XX/XX/2023 from XXXX XXXX XXXX, a Citi Card Benefits Administration who underwrites the coverage of the claims, Regretfully, your claim is not eligible for payment for the following reason ( s ) : " The item was not reasonably cared for ''. 
Claim # XXXX. 

Their response to my claim is invalid. I always take care of my belongings and everything was reasonably cared for. In this event, my phone was taken from me by force, unwillingly and unauthorized, I did not give anybody consent to take my phone. The thief also sent himself an unauthorized electronic funds transfer - a XXXX to himself after confiscating my phone and gaining access to my mobile banking. The thief is still using my phone that he stole from me, he was able to remove my XXXX XXXX from the phone and entered a new email to use. The phone is an XXXX XXXX XXXX XXXX XXXX serial no XXXX and XXXX XXXXXXXX. I had to purchase a new phone and Citi Mastercard Benefits is not honoring their phone claim program. 

Attached is my police report, FBI report, FTC report, and Claims Denial confirmation. Please help me.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Under the Fair Credit Reporting Act,15 U.S.C . 1681 ( g ) I have the rights to demand that you disclose to me all of the documents that you have recorded and retained in your file at this time of this request concerning the account ( XXXX XXXX XXXX XXXX XXXX ) that you are reporting in my credit report