davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I found out I had a security freeze on my personal credit report and I sent in the right documents to prove my identity to get the security freeze lifted Experian head advise me to do so so I mailed it in and I received a experian report number XXXX - XXXX - XXXX For XX/XX/2020 .... all it says is a work we received a request to temporarily or  permanently remove a security Freeze from your personal Credit Report or for a personal identification number reminder. Our records indicate that your file does not display a freeze if you have any questions please contact us. Well when I tried contacting them there's no one to talk to you on their phone lines I tried I tried every which way now I can go on my phone there's no one to speak to they don't let you talk to anybody. I dont know what to do cause everytime i apply for credit it boots me automatically and saying on my credit disapproval mail letter my security freeze needs to be lifted. Im trying to rent a apt . How do i XXXX do taht with no options now ....
Consumer complaint received 2019-08-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Everi Payments Inc. (IN)

Went to 2 casinos. XXXX XXXX and XXXX XXXX. used ATM to remove cash. During the use of the ATM my husband and myself selected checking account to withdraw {$200.00} and during the transaction at the end said this ATM charges a {$4.00} fee do you want to continue. Clicked yes. Then when the charge shows up at the bank they removed the {$200.00} plus the {$4.00} but they also removed {$2.00} for our checking and savings accounts saying that I requested a balance inquiry. This is a pattern for this company and it is fraud on a grand scale. I am looking for and attorney to see about starting a class action law suit. This company is making millions off this scam and say it is in the computer programming of the ATM. The Casinos are aware of it also and do noting to stop it. Pass time the government look into the business dealing on this company ' Saving account : XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$18.00} XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$21.00} XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$23.00} XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} Checking account : XX/XX/2019 Global Cash Ac XXXX XXXX XXXX XXXX XXXX MI Card XXXXWithdrawal at ATM # XXXX - {$200.00} {$5800.00} XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI XXXX XXXXWithdrawal Foreign ATM Fee - {$2.00} {$6000.00} XX/XX/2019 XXXX XXXX  Ac XXXX XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$6000.00} XX/XX/2019 XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI XXXX XXXXWithdrawal at ATM # XXXX - {$100.00} {$6000.00} XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$6100.00} XX/XX/2019 XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$6100.00} XX/XX/2019 XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal at ATM # XXXX - {$100.00} {$6100.00} XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$6200.00} XX/XX/2019 XXXX XXXX Ac XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$5400.00} XX/XX/2019 XXXX XXXX Ac XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal at ATM # XXXX - {$100.00} {$5400.00} XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$5500.00}
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

i sent all 3 credit Burroughs a list of inconsistencies between the 3 companies, names they must have created and or spelled wrong because they are not mine and i never used, addresses and phone numbers fictitious, wrong or just over 10 years old. more then 30 days ago. the only reply i got was they sent me another copy of the same bs report. nothing got fixed or removed. i already had copies that's how i found the mistakes i did not ask for another copy. i believe they sent this as a deterrent to say they replied
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I pulled a report from Transunion in XXXX and I though I was being charged a one-time fee. Instead Transunion sneakily enrolled me in a subscription, of which I had no idea or memory of signing up for. Transunion does not send monthly emails when a payment is made. No receipts, no notification, that I was being charged every month. If you log into their account, there is no clear indication that you've signed up for a subscription. I looked through these options, 'My profile, ' 'my account, ' 'Payments, ' 'billings. ' None of these options have so much as a note about me being subscribed to their services. If the information is nestled somewhere that is not obviously available to the customer, it is a clear indication that the company is trying to trick you into paying for something they did not completely inform you of. 

Every company I have a subscription with, will send me an email notifications every month when you are charged for the subscription. Transunion does not. Nothing on my account page with this company, tells me that I have a subscription. Where is this information and why is it not easy to find it? What is the reason that Transunion is making this information so hard to find? This is an unscrupulous tactic to dupe poor consumers. 

Really Transunions? You have all the big banks in the country paying you money for your services and you want to cheat poor people out of a monthly charge. THIS IS XXXX. 

They also don't have a complaints department. When I talked to the customer service agent on the phone, she told me they don't have any such services where I can lodge my grievance. How is that possible? FOR A COMPANY THAT DEALS WITH PEOPLE 's MOST SENSITIVE INFORMATION, YOU ARE EXTREMELY deceitful! I want my money back. This is absolutely wrong.
Consumer complaint received 2024-11-04
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)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: ENCORE CAPITAL GROUP INC. (CA)

To Whom It May Concern, I am a caregiver for a XXXX veteran on XXXX XXXX. On XX/XX/2019, a representative from Midland Credit Management ( XXXX ) called my XXXX-year old grandmother and began harassing her about a false " credit report '' associated with me. I have no association with Midland Credit Management and they are harassing my grandparents on a Sunday. When I asked them to identify a promissory note they demanded my social security number. I refused to give them my social security number because they could barely speak English and were very rude to the point of being belligerent. This company is a disgrace, calling elderly people on Sundays and causing trouble with false credit reports. I implore your organization to stop this company 's harassment. When I reviewed various websites, I discovered that this company is harassing people all over the country with false credit and debit reports, often leaving " extension numbers '' with their parents, grandparents, and relatives. It appears that I am just another victim of this company 's nation-wide scam. 

Regards, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Good morning, My name is XXXX XXXX, Im submitting a complaint against XXXX, XXXX, and TransUnion. I acquired my credit reports from annual credit report.com and I put in a dispute on a XXXX  XXXX on my report. I submitted my dispute to all 3 bureaus on XX/XX/2022 asking what method of verification did they use to verify my XXXX and no response after 45 days. After no response I called each bureau and explained to the representatives my concerns and I was told the method was verified through XXXX XXXX. On XX/XX/XXXX I sent a letter to each bureaus to delete the XXXX because I received a letter from XXXX XXXX stating that the XXXX was deleted because it wasnt verified. I received no response from TransUnion and XXXX. XXXX said they verified it through XXXX XXXX which I dont understand how could they verify through XXXX XXXX if the XXXX dont exist on my report.
Consumer complaint received 2020-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (WI)

On XX/XX/2020, I received a deposit in my account for an economic injury stimulus package. TCF National Bank placed a hold on the account, so in no way that I utilize the account, I could do urgent business. I have called and tried to resolve this matter with many attempts. I was told the hold would be released 24-48 hours and it has been a week. Their verification process has taken longer and is very misleading to me as a consumer. They continue to hang up as I get through to a representative. This is not being resolve in a timely manner and I have been working on the issue with an enormous effort. The deposit is strictly for business purposes which is the reason, being a XXXX XXXX, it was placed in to my account, as well as tax purposes and filings.
Consumer complaint received 2022-07-14
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. (TX)

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, 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, 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, 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, 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, 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, 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
Consumer complaint received 2022-07-14
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. (IL)

XXXX XXXX has closed out an account that was last reported on XX/XX/XXXX, with a close out date for XX/XX/XXXX. XXXX of XXXX, I reviewed my latest consumer report and its reporting as a repossession. 
I am aware that any transactions between a consumer and a creditor should not be furnished on a consumer report. I also did not give XXXX XXXX nor Equifax, XXXX, or XXXX  consent to furnish this negative account on my report. I also was not given a chance to opt of reporting for this account. As of today XX/XX/XXXX, this is my written consent to opt of credit reporting for this account. Because I am aware that I have all rights to privacy, I will hold whoever knowingly and deceptively falsified negative, non-personal information liable to the extent of what federal law allows. A cease-and-desist letter is attached to this report as well as an FTC complaint. This account should be deleted Immediately.
Consumer complaint received 2020-04-30
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. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others  have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original  creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-05-14
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. (CA)

I am victim of identity theft. I have already contact the credit furnisher and they have verified that the ( Auto Loan with account number XXXX, opened XXXX XXXX, 2017 ) is fraudulent and sent me documentation to confirm that the account is fraudulent and for it to removed. I have provided this information to Experian and they have refused to remove this identity theft account. I have also supported my deletion request of this fraudulent account with the XXXX - XXXX Police Report, Federal Trade Comission File Report and the letter from XXXX XXXX XXXXXXXX. I am requesting that Experian remove this fraudulent account immediately using the supporting documentation that has been provided.
Consumer complaint received 2022-07-14
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. (MS)

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 XXXX has me at a score around XXXX. 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 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 XXXX. 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 XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX  cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-07-14
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. (AL)

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 credit score over 719transunion has me at a score around 590. 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 us 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 three 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 .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 n they record the calls n 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-06-19
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 (IL)

On XX/XX/2018 Nordstrom/TD Bank Opened account for XXXX for 11mos Ive never used this card nor did I fill out and application to open this account.I have filled out a police report and a FTC.GOV report regarding this matter. I've called XXXX and they stated Nordstrom is comfirming this was my account. This information was reported to a childhood address which I haven't lived in 40yrs. also they are reporting a 1st payment was never received. I have resubmitted everything to XXXX for the fifth time. 
XXXX XXXX XXXX opened account XX/XX/2018 for the amount of XXXX this was removed then added back. Ive called requesting more information from both XXXX and XXXX
Consumer complaint received 2022-07-14
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. (AR)

I filed a dispute with Experian about an XXXX XXXX bankruptcy on my Experian credit file. Experian did not fully investigate. I contacted XXXX XXXX who verified the bankruptcy and I was informed Experian never contacted them for bankruptcy verification. This bankruptcy was inaccurate and dismissed per the judge along with several accounts. Experian did not do their job.