davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
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: I.C. System, Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-11-26
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 — Problem with personal statement of dispute
Company: The CMI Group, Inc. (CA)

I had a collection show up on my credit reports that I was unaware of. I contacted the original creditor XXXX XXXX XXXX, paid the amount owed, but disputed the amount at the same. They took payment, and opened an investigation into the matter. I disputed the collection with all 3 bureaus as not valid. The account was removed from both XXXX and XXXX. The original creditor found in it's investigation that I was not liable for the {$59.00} and refunded to me. They also said they would contact the collection agency ( Credit Management ). I disputed again with XXXX  as the original dispute did not remove the account, and still showed it as unpaid. I included a copy of the account statement showing a credit balance. The result of this dispute changed the status to PAID. It must be removed now as the original creditor found the collection to be invalid.
Consumer complaint received 2022-06-11
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: ENOVA INTERNATIONAL, INC. (VA)

Upon reviewing my credit reports in XX/XX/2021, I found an account from NC Financial ( at some point the agency began reporting the same account under Net Credit and NC Financial ) that I was not familiar with. On XX/XX/2021, I made several failed attempts at contact with the agency in XX/XX/2021. On XX/XX/2021, I sent a debt validation letter certified to the agency along with identification documents to show my address. The agency failed to respond to my validation request within 30 days. On XX/XX/2021, I received a response from the agency with several different account numbers, grammatical errors, and an address that does not belong to me. I responded to the agency detailing all the inaccuracies and requested that they stop reporting this account to the credit bureaus because it does not belong to me. I also reach out to the credit bureaus requesting removal of this account after supplying the documentation I received. I sent several debt verification letters with no resolve.
Consumer complaint received 2022-06-11
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. (VA)

Upon reviewing my credit reports in XX/XX/2021, I found an account from XXXX XXXXXXXX ( at some point the agency began reporting the same account under XXXX XXXX and XXXX XXXXXXXX ) that I was not familiar with. On XX/XX/2021, I made several failed attempts at contact with the agency in XX/XX/2021. On XX/XX/2021, I sent a debt validation letter certified to the agency along with identification documents to show my address. The agency failed to respond to my validation request within 30 days. On XX/XX/2021, I received a response from the agency with several different account numbers, grammatical errors, and an address that does not belong to me. I responded to the agency detailing all the inaccuracies and requested that they stop reporting this account to the credit bureaus because it does not belong to me. I also reach out to the credit bureaus requesting removal of this account after supplying the documentation I received. I sent several debt verification letters with no resolve.
Consumer complaint received 2024-11-07
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. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I've filed disputes on XXXX, XX/XX/20, with XXXX  and on XXXX/XXXX/202 with Experian and XXXX  in regards to the inaccurate information being reported across all 3 beaus which have caused my scores to decrease for months. I've reported several times but the results were said to be accurate. some accounts were charged off on my credit report but yet it's was still being reported as open and past due. one account is XXXX  XXXX which is reported as past due for {$490.00} but it's in Collection. Another is for {$1000.00} with XXXX XXXX but had been charged off but was yet being reported as past due. another is XXXX XXXX reporting inaccurate info across 3 bureaus posting an {$470.00} account as in collection on one beau but reoprting the same account on other beaus as closed.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2022-06-11
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. (TX)

You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy. It has been over 30 days since I have sent my letters which means these accounts have to be removed due to many inaccuracies and I have not been notified of the results with the disputes within that 30 day timeframe. Remove this items immediately!
Consumer complaint received 2022-06-11
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: Experian Information Solutions Inc. (NV)

This account was incorrectly put on my credit report so I reached out to them for debt validation. They have not correctly validated the date yet, failing to list the original creditor I supposedly owed. They listed the account as paid off by creditor in XXXX, but now are re-aging the account to show charged off XX/XX/XXXX.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Capital One has violated my rights. They have reported incorrect and various payments on my credit report and frivolous false late payments to 3 different bureaus with missing dates like activity dates and closed dates. Ive tried to get them to correct this information, but for some reason they won't. I need your help.

Unless every part of my credit report is the same for all three bureaus, it need to be removed.

They also violated my rights under 15 USC 1681s-2 and 15 USC 1681 section 602 A
Consumer complaint received 2022-12-19
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)

I sent a letter addressed to the 3 Credit Bureau requesting to conduct an investigation and correct the information being reported. The 3 credit bureau must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXXXXXX 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 2022-07-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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.

15 U.S.C 1681 Section 604 A Section 2 : My student loans is all paid for. All student debt, loans, fed loans needs to be removed from my report.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I consolidated my student loans years ago. These old XXXX loans have been paid off for years and I have no new debt with them. They never used my forebearance or defferment time on their loans, even after I pleaded them to change those late payment statuses reported they would not. Now the loans are all paid in full, and they will not remove them from my credit reports ( TU, XXXX, XXXX ). Thos late payments that are nearly 8-9 years old are causing tremendous harm to me in as I try and buy a home, and qualify for other loans. The reason for denial with new financial institutions is marked as " serious delinquency '' and it is all due to these old old XXXX loans ... .That are paid!!!
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit reporting act the following accounts have violated my rights : XXXX XXXX XXXX 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 consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2020-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (AZ)

midland funding has two judgements against me and in XXXX by phone they said the first one was paid and knowing I could not afford 3 payments a month, I worked out a payment plan in XXXX for the second one for {$97.00}. my credit report in XXXX reflected I owed midland {$9.00} for the first one. In XXXX midland stopped garnishing me for the first one. Then in XXXX, midland has garnished me twice for {$100.00} each, for the first one. My employer can't stop them for taking money from me even though the garnishment should have been paid off already. I don't know what to do. I can not afford to pay midland {$330.00} a month.
Consumer complaint received 2022-10-21
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: TD BANK US HOLDING COMPANY (GA)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer
Consumer complaint received 2022-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

unknown person rented a car in my name, it was not me ... remove this debt from my credit report some one rented an XXXX  car in my name XXXX XXXX and it was not me i live in XXXX Ohio, some rented a vehicle in XXXX mas in my name and I do not live in XXXX
Consumer complaint received 2022-06-03
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. (FL)

You are in violation of my rights according to the 15 U.S.C. 1681 Code, not only do I have a right to privacy, I did not give you written consent to furnish anything on my report. Nor, is the information reporting 100 % accurate and must be deleted. 
There are unauthorized inquiries on my credit report and need to be deleted immediately XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2021-04-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (OH)

I have been a victim of a scam that tricked me to wire money overseas from my Chase saving account. At the time, I didn't know that I had been scammed. I had no relationship or knowledge of the recipient. The scammer impersonated an FBI agent asking for money to be wired internationally to be in a safe account. They made me believe that my identity was stolen and that someone opened dummy bank accounts in my name ( not realizing that they were stealing my identity as it was happening ). 
I sent {$160000.00} to XXXX XXXX in XXXX on XX/XX/2021. The scammer informed me that the money was not received by the recipient and there was a problem and that I needed to request a wire recall. I contacted Chase customer service the following day on XX/XX/2021 and the person I talked started a case and stated to check back in 2 days. When I called back, the told I have to send secure msg through the app. I went to the branch where I sent the wire and they didn't help. I eventually sent the msg through the secure app. The respond I received " msg received, will get back to you in 24-48 hours ''. Then their response has been " we sent swift code to the recipient bank and didn't receive a response yet ''. Ultimately they closed the case. Once I realized the scam and reported it the police, I called back customer service and they re-opened the case. Again they Chase through secure message claimed that they sent Swift msg to XXXX XXXX in NY and didn't receive a response. At one point, when I sent an inquiry about status, they stated that XXXX in NY is helping them to connect with their branch in XXXX. It seemed like the messages I received from Chase were not consistent neither helpful. Not sure what to make of a bank not receiving a response from another bank ( whether positive or negative ). To this date, Chase couldn't and didn't tract the wire to tell if it has been cashed or not. The way Chase handled this was very upsetting and extremely unprofessional and frankly unethical. If Chase had acted on the wire recall immediately within 24 hours as I requested, the money should had been back.

Chase neglected to do its job and committed grave and inexcusable negligence. Now as of yesterday, they decided to close the case claiming that they didn't receive a response from XXXX in NY
Consumer complaint received 2022-12-03
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. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation 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 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (MS)

Aid Vantage ( student loans ) there are 11 of these closed accounts on my credit report that we're set up in an all in one payment. I was in forbearance in XXXX  with payments coming up soon. I stayed in contact with them and I made a payment, then a month later I noticed a 90 day late payment right after my on time payments. how is this possible. they refuse to remove it and the bureaus seem to think its ok to have a 90 day late payment after on time payments. they are also missing many on time payments sometimes many months of on time payments. and the missed payment is reported on different dates on different bureaus. last activity dates are missing. how can this be? They need to be held accountable for the hardship in financing they've caused. these are grounds for removal. They also violated my rightS under 15 usc 1681s-2 / 15 usc 1681 section 602 A.

Please review these 11 closed accounts accounts. Unless everything on my account is exactly the same and accurate on all 3 bureaus, this needs to be removed please. thank you
Consumer complaint received 2022-06-11
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. (CA)

Your company sent me a letter stating that the information on my credit report is accurate. When the Fair Credit Reporting Act ( FCRA ) states that 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. 

XXXX XXXX XXXXXXXX XXXX has failed to investigate this billing error in the amount of {$940.00} which inaccurate information has been furnish to my consumer report. Your company has furnished my nonpublic personal information to the credit reporting agencies which is experiences and transactions between me and your financial institution. I never gave you consent to furnish any information about me to a third party company, Also I never gave the CRAs consent as well to furnish any info. Which is identity theft. your company is committing racketeering activity, Which XXXX and the Credit reporting agencies are knowingly using extortion to collect on a unlawful debt. ( 18 U.S code 894 ).
Consumer complaint received 2024-11-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: MoneyLion Inc. (TX)

On XX/XX/year>, MoneyLion notified me that they are discontinuing cryptocurrency accounts and will force liquidation of all holdings by XX/XX/year>. I requested alternatives, such as the ability to transfer assets to an external wallet, as permitted by the custodial terms in the XXXX XXXX  XXXX  XXXX. Despite multiple attempts, MoneyLion has not responded, leaving me with no choice but to face forced liquidation, which creates a taxable event and financial harm.