davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
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. (AZ)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated XXXX  2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX SS XXXX XXXX I am trying to get my address and personal information all correct and together. I was in contact with XXXX XXXX and I was told that I had to send in proof of address my information is being confused with another XXXX XXXX XXXX and I have never lived at these address listed below. I do not wish to file a police report unless I have to. Please delete these following addresses the are no a previous address or current address : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX
Consumer complaint received 2022-08-21
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: MoneyLion Inc. (IL)

I recently pulled a my credit report with XXXX and noticed this MoneyLion Inc has still been reporting negatively after a bankruptcy filing in XX/XX/XXXX they been continuing to report up until XX/XX/XXXX when I notified the company they insisted the information they were reporting was accurate I then contacted XXXX about the issue and again they verified the information is correct. To my knowledge this is a violation of FCRA both creditors and bureaus have an obligation to report only accurate information. This is a closed account and was included in a XXXX XXXX Bankruptcy which was successfully discharged if I'm not mistaken this can be seen as a violation of bankruptcy law as well as this can be seen as still attempting to collect on a debt
Consumer complaint received 2020-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (FL)

I sent off a letter on XX/XX/2020 to this company, also to the original creditor ( XXXX XXXX  XXXX XXXX ), who has since removed the negative markings from my report, notifying that the account does not belong to me, that I am a victim of identity theft. This company ( Trident Asset Management ) has ignored my request to have this fraudulent account removed from my report and continue to report this inaccurate information. If the original creditor removed it, why is the debt collector still trying to collect on an account that has been confirmed to be the result of identity theft? This is a violation of the FCRA.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

There are Inquiries on my 3 credit bureaus that were never authorized done in XXXX of 2021 in relation to car loans that I never gave any sort of formal nor written authorization to have done. 
All 3 bureaus have been disputed through but yet none of them will remove these fraudulent inquiries.
Consumer complaint received 2022-09-12
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX  Account # XXXX, has violated my rights. XXXX XXXX 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
Consumer complaint received 2023-04-26
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. (GA)

I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report. 

XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  secured card account # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXXt # XXXX XXXX  XXXX XXXX XXXX XXXXt # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act.

Pursuant to 15 USC 1681 ( 2 ) ( B ) 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. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card.

The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 I request that you review this information and make the necessary corrections to my credit report. 

Additionally, I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA. 

Thank you for your attention to this matter.
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (TX)

I went to a trip to the XXXX XXXX and for the first time, my wife lost her passport and we went through multiple adaptations to deal with it and it cost a lot of money. The XXXX system usually helps with transfers Immediately and upon arriving late, the hotel that is supposed to be 5 star, refused to transfer our room to the adapted date. XX/XX/XXXX I call american express to call it a fraud and unauthorized charge and they said no, it's an insurance claim for a small {$500.00}. This doesn't cover the actual charge well over this amount. The actual charge is attached. The charge never says the hotel is non-transferrable. It says non refundable and the hotel said they would've taken the transfer if they heard the day before, but they never answered the phone and hotels.com even tried. What I mean by that is they take the call but say the " person who can help isn't here right now .... '' XXXX didn't try hard enough again until monday after the friday start of the room charge. I never used the room and XXXX and the hotel misrepresented themselves as a fraud. XXXX in the past would've offered me immediate service and they failed this time. The hotel acted like a 2 star and not a 5 star. On an added note, the centurion club in XXXX airport is half the size for what's appropriate for one of the biggest airports in the world. I couldn't go in there because there was an hour wait and I wasted money on dinner.
Consumer complaint received 2021-10-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivable Collection Services, LLC (NY)

Receivables XXXX, XXXX XXXX, XXXX XXXX launched derogatory credit reporting very recently. I have not heard of the company. When I called, their outgoing message identified them as a debt collector. Please, restrict companies from derogatory credit reporting. I am fully insured and have found that providers often place claims incorrectly creating problems. If someone contacts me I can help them to resolve any issue
Consumer complaint received 2021-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX XXXX Account XXXX : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX Account XXXX : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX XXXXXXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2021-11-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

The apartments where I was living sold itself XXXX times while I was there for XXXX  years or so. They were poorly ran after the sales, so I decided to move. I gave proper notice and spoke with the front office associates ( manager and leasing agent ) to ensure that everything was good, and that my departing cost were settled. they informed me that it was fine, and that the pre-move out inspection was completed and approved, with no additional charges. Once I loved, I then received a letter stating additional charges for rent and replacing carpet. I had been there for almost over XXXX  years and they said that they expect carpet to stay looking new for 5-6 years or it will be charged to the resident upon their move out ( not informed of this on the pre-move out inspection ). In addition, I was charged for a couple of bags of trash left on the balcony, but on the weekend I was moving, the only trash compactor in the complex was overflowing to the point where it was all in the street. ( a regular occurrence on this property, and I took pictures ). I contact their headquarters and leasing office, yet I received no help. I was treated extremely disrespectful, and told " it is what it is ''. I explained that if they pulled my file that I was never later or delinquent on any rent payments and never had any issues while living there. I informed them that I even had a months deposit that I was entitled to, but they had no record ( since they changed owners and staff like most change their underwear ). I was willing to accept the lost of my deposit if the " bogus '' charges were waved ( even offering to pay for the XXXX bags of trash left ), but they had no interest in this solution. I am attempting to rent a home soon and my realistate agent stated that this would be something that could cause a denied application for rental or an extremely high deposit. I am looking for some resolve, since this is something that has further financial implication to myself and my family. Please let me know if there is anything else you need from me. Thank you.
Consumer complaint received 2021-06-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an accounts that does not belong to me.
Consumer complaint received 2020-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

A lawsuit was filed against me and my husband by a property management company and the case against us was dismissed in court. We have court documents to prove that and have sent them to the collections agency but they will not drop the collections even after I spoke to the court which sent me two more copies stating the case was dismissed and nothing is owed which I sent to the collections agency. The collections agent was rude even after seeing the paperwork and tried to intimidate me about the loan being interest bearing. 

This company goes by Genesis credit collections.
Consumer complaint received 2023-03-09
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. (CA)

On XX/XX/2023, I sent dispute letters to XXXX, Equifax, and XXXX disputing an inaccurate information regarding a bankruptcy on my consumer report. XXXX, Equifax, and XXXX have neglected to report that bankruptcy that is on my consumer report has been disputed. That is a violation of 15 USC 1692e ( 8 ). It must be reported that an account or an entry on a consumer report be marked disputed when a consumer has disputed it. Failure to do so can result in litigation or arbitration. I have previously disputed this entry as inaccurate on my consumer report. Since this account/entry has been disputed XXXX, Equifax, and XXXX have failed to comply with the requirements of 15 USC 1692e ( 8 ). 
Also, XXXX, Equifax and XXXX have no permissible purpose to share bankruptcy information in its entirety with my name, social security number and other identifiers. That is a violation of 15 USC 1681 ( b ). I have never given my written consent or permission to furnish information not given to them by me or the United States Bankruptcy court ( please see attachment ). I completely intend to file suit in small claims court.
Consumer complaint received 2023-01-24
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. (MD)

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 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 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Progrexion Holdings, Inc. (PA)

I signed up for creditrepair.com amidst also diligently working on my credit on my own. They sold me on a dream where they could remove negative remarks on my account. Now since I had already been working on it, since then 2 accounts have been removed - this is because I PAID THEM OFF and or DISPUTED them on MY OWN. In no way did this company have anything to do with it. The dispute they did send out on my behalf generated a DECREASE in my credit score which is unacceptable. Additionally, When I initially signed up, I paid a fee to have my credit pulled then was offered a {$50.00} coupon for the first month 's services ( a reduction of about 50 % ). Despite reminding the onboarding agent multiple times of the coupon I was still charged the full amount. When I called in for a refund, they offered me a coupon for the following month. Now that I want to cancel and receive the {$50.00} refund I would be owed, that is suddenly not possible because I would be paying for the work already done - even though this upcoming payment would be my third in 6 weeks? Very very suspicious business practices.
Consumer complaint received 2021-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

Federal Reserve Consumer Help Center Acknowledgement Inbox XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX  to me To : XXXX From : Federal Reserve Consumer Help Subject : Federal Reserve XXXX Help Center Acknowledgement XX/XX/2021 Dear XXXX XXXX XXXX XXXX This e-mail is to acknowledge our receipt of your correspondence on XX/XX/2021. 

Please be advised that the entity you are inquiring about is subject to supervisory oversight by the Consumer Financial Protection Bureau ( CFPB ) for certain consumer protection laws and regulations. Accordingly, we are forwarding your correspondence to that agency, at the address below, for appropriate attention. 

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Website : www.consumerfinance.gov Phone : XXXX Fax : XXXX TTY : XXXX We hope that this information is helpful to you. 

Sincerely, Federal Reserve Consumer Help Center ________________________ I sent my complaint regarding Citicard to the Federal Reserve and received the above email. It was regarding Citibank charging me {$82.00} in interest on an amount less than {$900.00} after I paid {$6500.00} on the card one-half way into my billing period. I don't believe the Average Daily Balance would have been nearly as much as that and they are refusing to adjust it. They want to put me on a " treatment '' or " program '' and turn off my charging privileges until I pay what I consider to be an inflated amount. They have informed me today that they have reduced my credit limit from {$7000.00} to {$970.00}. They are totally unwilling to work this issue out with me in a fair and reasonable manner. Needless to say, I won't be using their card in the future unless and until this is resolved. I don't remember ever being late with a payment but, if I was, I know I contacted them and explained any issue I may have had ( simply forgotten ) and fixed the problem immediately. I feel it is very unfair to me and my credit rating for them to take the steps they have. Thank you.