davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-04
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. (VA)

I have repeatedly requested that The XXXX of Virginia to remove the paid off account they are reporting for me. The account was open in XXXX of XXXX. It was paid in XX/XX/XXXX and should have been removed in XXXX of XXXX. It has been re-investigated four times and I have been told it's accurate. I'm not denying the accuracy of the account ; But the XXXX of Virginia has not been contacted to endorse the removal of this account that has been closed for 7 years. There is no longer a need to report a paid and closed account that hinders my credit.
Consumer complaint received 2022-07-04
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)

I have repeatedly requested that The XXXX of Virginia to remove the paid off account they are reporting for me. The account was open in XXXX of XXXX. It was paid in XX/XX/XXXX and should have been removed in XXXX of XXXX. It has been re-investigated four times and I have been told it's accurate. I'm not denying the accuracy of the account ; But the XXXX of Virginia has not been contacted to endorse the removal of this account that has been closed for 7 years. There is no longer a need to report a paid and closed account that hinders my credit.
Consumer complaint received 2021-10-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (MI)

This letter is regarding an alleged account which you claim was placed for collections for {$95.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for : - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2021-10-13
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. (GA)

I went to my credit union to refinance my car and they said I would have a higher interest rate than I have on my current car loan,. He said it was because of my credit. Like anyone else it concerned me and I requested a copy of my credit report and I sec a few things on there that are not mine. AXXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX. I need help with getting this resolved. I am doing this on my own.
Consumer complaint received 2021-10-13
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. (ID)

Hello, I have a complaint against the 3 credit bureaus- XXXX XXXX XXXX XXXX Equifax XXXX I work in the mortgage industry as an Underwriter so I see credit report 's all day long and the credit scores are all over the board. I obviously can not give out names or SS # s to show you examples but my own credit report would be a good example. I have had a perfect credit history for past 3 years and before that I had 2 X 30 day lates. I check credit karma almost daily to view my report. After viewing my credit scores yesterday, one bureau dropped 70 points because my 3 different accounts increased by no more than 120 a piece and that is not over the credit limit either. How can the scores vary so much? I have also seen where people with new credit, less than 12 months and only 1 tradeline have scores over 700. How is that? 
Something is totally wrong with this system and it needs to be addressed. It's so frustrating to watch my scores go up by a few points then just sky rocket down, it's not right especially when I have worked so hard at keeping everything paid on time. 
Please advise on how to get this corrected. I am sure that I am not the only person that feels this frustration.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC. (GA)

Contributor : SUNTRUST BANK Contribution Ref # ending in : XXXX Incident Date : XX/XX/2017 Principal Loss : {$0.00} Contribution Reason : Checking Account Fraud The issue concerns the fact that SunTrust bank has incorrectly classified my account as fraud. I have not committed fraud in any manner. I have not submitted bad checks or performed any other type of activity that would constitute checking account fraud. I have contacted the EWS agency and they have viewed the information. However, I have not received any response. The incident date is incorrect because the incident never occurred. 



Thank you
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

Hello, The following account is not mine. Please remove from my credit account. Thank you. 
XXXX XXXX XXXX The following Inquiries were not made or authorized by me. Please remove from my credit account. Thank you. 
Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am unable to receive the Capital One card Therefore, I have no card to reference when calling in. I just want to receive the card and request an increase for my business. I have called and left a low rating on the survey regarding the POOR customer service received. From there I received a call to follow up as requested but still have not received a card and it was issued in XXXX according to my credit report. XX/XX/XXXX, XXXX XXXX XXXX XXXX from the Survey called and I return the call several times but to no avail. I did not get response. I was able to request the card later with someone but still no CARD
Consumer complaint received 2022-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2021-06-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc. (CA)

On XX/XX/XXXX I requested from money lion to refund my credit builder plus loan funds totaling more than {$400.00}. All they said was that they cant refund it unless I finish paying it off, but I had recently quit my job to a hostile work environment, and dont see myself being able to get money to pay it off in the future. My self employment wont be enough to cover it. Also, Im not sure if this company is fradulent given I was charged {$110.00} on XX/XX/XXXX on my roar account, but I had already payed it off using my bank account. Also, there was hidden membership fees. It wasnt stated that Id owe an extra XXXX dollars twice a month in the user agreement.
Consumer complaint received 2019-10-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Certegy Holdings, LLC (GA)

The bank-XXXX put accidentally a stop payment on 100 of my checks not 10. I wrote checks to XXXX who sent them to XXXX. XXXX has never sent me a written notification about the checks. They ran the payments thru my account a second time but charge me {$60.00} per checks fee. I paid the amount and requested for them to send me proof of payments and the amount I paid in return fee 's, they informed me 1st they don't send those type of letters. I then ask for them to send me the paid n full letter. they then told me their systems was down, after I demanded they send me the information.
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now imXX/XX/XXXX XXXX cant provide to my XXXX XX/XX/XXXX daughter PLEASE HELP ME PLEASE imXX/XX/XXXX now.with no help.
Consumer complaint received 2019-10-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HOVG, LLC (NC)

Bay Area Credit, I have informed them this is not me. Also they have harrassed my mother, my kids and my work and have yet to contact my phone. I talked to them on my daughters phone they refused to give me any info on the acct also told me if i didn't pay it i would be Sued. I don't know this acct or where its from, what its about. She wanted me to giver her my info but refused to give me any info abt the acct.
Consumer complaint received 2022-08-20
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)

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 XXXX  XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Account number XXXX Original XXXX XXXX XXXX XXXX  XXXX XXXX. 

XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Account number XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX
Consumer complaint received 2022-07-04
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXXXXXX XXXX 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 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 2022-07-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (WA)

I have asked repeatedly for proof of debt from Rash Curtis over the years, detailed bills, invoices, etc, but they have not provided it. They went as far as to call my out-of-state parents trying to find me. They are notoriously rude and my alleged debt is nearly 7 years old. Since they did not provide the original invoice of any of the debts, I've been righting these off my credit report for years only for them to put them back on sneakily. I have been sending dispute letters to them for years none of them were answered.
Consumer complaint received 2019-10-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (NY)

I had requested a wire transfer on XX/XX/2019 through Western Union. The money was with drawn form my bank account. It was supposed to be transfered by XX/XX/2019 and it was not. I had called Western Union on XX/XX/2019 to inquire and they said the money would be available on the XXXX. Then I get emails saying they want a date of birth, government issued ID, and address. All of this after I had inquired. I tried chatting with Western Union and they ignored my by not responding to my questions. I told them to give me my funds and really do believe that Western Union acts in good faith with it's customers. Aside from returning my money. It would be a gesture of good faith if the interest that Western Union accumulated off of my funds be remitted to me as well.
Consumer complaint received 2019-10-23
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. (FL)

I have contacted XXXX multiple times to close the fraudulent credit account and remove all information from my report. I have submitted copies of my police report, FTC identity theft report, FBI IC3 form, and proof of identity. They have failed to provide any proof of who and where the account was opened. They claim my letters ( which are provided by the FTC for identity theft victims ) are on the behalf of a credit repair organization and therefore are not obligated to investigate. 

On XX/XX/2019 I received a package from XXXX. On the same day XXXX comes to pick it up claiming the sender had sent it by mistake. The following week I receive a welcome letter with XXXX XXXX. 
XX/XX/2019 I contact XXXX fraud department to initiate an investigation. I placed a fraud alert to the credit bureaus. 
XX/XX/2019 I have received no response from XXXX so I check my credit report to find that the fraudulent account is being reported. I initiate a dispute with credit bureau XXXX. 
XX/XX/2019 I submitted a dispute letter to XXXX with an FTC report and police report. The dispute is closed at XXXX  as it states XXXX finds the information accurate ( my information was stolen and used so of course it would match ) XX/XX/2019 I submitted a dispute letter to XXXX XXXX account services which has a different address listed. I send a letter to XXXX  requesting to block the information from my credit report directed by section 605B of the Fair Credit Reporting Act. 
XX/XX/2019 XXXX responds claiming no suspicious activity XX/XX/2019 XXXX responds that they find my letter to be prepared by a credit repair organization ( which it is not as the FTC provides the letters to identity theft victims ) so they will not investigate. 
XX/XX/2019, I found that the fraudulent account now appears on TransUnion report so I send a letter requesting the information to be blocked from my account as directed by section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-04-18
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. (DE)

I never received any notification about this alleged debt from XXXX XXXX XXXX and was not provided with any documentation to validate it. I disputed this debt with Transunion and it was removed from my credit report. It was re-entered on my report 30 days later without any prior notification from Transunion.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (CA)

I paid the balance in full and the company is reporting it late and over the credit limit and yet the account is CLOSED. This is a violation of my rights to privacy and fair reporting of correct information. My limit is XXXX and I paid that amount and yet the reporting reflects 1, late and 2 over the limit
Consumer complaint received 2022-07-04
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XX/XX/XXXXthey record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XX/XX/XXXX XXXX cant provide to my XX/XX/XXXX daughter PLEASE HELP ME PLEASE im XX/XX/XXXX now.with no help.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I paid the balance in full and the company is reporting it late and over the credit limit and yet the account is CLOSED. This is a violation of my rights to privacy and fair reporting of correct information. My limit is XXXX and I paid that amount and yet the reporting reflects 1, late and 2 over the limit