davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NY)

Full return in cash not check of {$300.00} plus fees of XXXX i don't want the pennies. 
Compensation for my time and my wife 's time and expenses ( cab fare to and from the store. 
Investigation into Western Union to see if the are practicing XXXX discrimination in their " refusal '' practices. Statically did WU the refuse the same percentage of transactions for XXXX, a predominately XXXX nation as they did for XXXX and other XXXX XXXX XXXX. 
A signed written explanation as to exactly what " compliance and regulatory issues '' my {$300.00} transaction violated. I have XXXX sending money on a weekly basis to the same person for the past 12 years. XXXX computer system cant tell that to them.That should take care of the " consumer fraud '' excuse. As to the " money laundering ' excuse, I really don't think the drug cartels are interested in the {$300.00}. 
After some research I have l learned that in 2017 Western Union reached a settlement with XXXX  and FTC over these exact issues and was fined over XXXX XXXX dollars. I think they are using small people like me to defraud the FTC and XXXX  that they are complying with any consent order they may have signed. I think you should refer this matter to these federal agencies
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-27
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. (PA)

I filed an Identity Theft report when I learned that someone was using my identity during my incarceration. I submitted documentation about identity theft and my incarceration and XXXX and Transunion disregarded it. They didn't even block the account for 30 days upon receiving the information. I also received a letter from the IRS stating that someone filed a tax return in my name during my incarceration. 

Account US Dept of Educatio Acct # XXXX
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX 
Last reported XX/XX/2022 XXXX. This a medical billing issue 2. Account was deleted following dispute ( via CFPB ) 3. Account reinserted ( added back ) after deletion 4. I DID NOT receive prior written notice of reinstated on my credit file 5. Under the Fair Credit Reporting Act ( FCRA ) the reinstatement without written notice within 4 days of reinstatement is a violation of the law ( i.e., illegal )
Consumer complaint received 2022-08-26
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-04-19
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. (TX)

In accordance with Fair Credit Report Act XXXX XXXX Account # 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 2022-04-19
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 Fair Credit Report Act XXXX XXXX  Account # 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 2022-08-26
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-16
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. (CA)

I requested debt validation from Equifax about an account that is reporting inaccurate information on my credit report. XXXXXXXX XXXX ACCT ; XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX  XXXX
Consumer complaint received 2024-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

Hello, I have different balances on my Citi XXXX XXXX  credit card ( different % XXXX, promo periods, loans, etc ). 

I used to have : - BalTrnOffer 5 : 0.99 % expiring XX/XX/XXXX. 

I waited until the next statement after XX/XX/XXXX to confirm " BalTrnOffer 5 '' no longer showed 0.99 %, but a high 24.24 %. I called to verify the correct payoff amount, then I paid {$15000.00} online on XX/XX/XXXX. This successfully paid off BalTrnOffer 5. 

The phone rep explained that I had accrued a little bit of interest by waiting to make a payment until *after* the statement. He said ( paraphrased ), " Next time, you can pay *on the day* the promo rate expires. You don't have to wait for the statement. 

That was great advice! The next balance to pay off was : - BalTrnOffer 7 : 0 % expiring XX/XX/XXXX Just to be extra safe, I called again on XX/XX/XXXX and/or XX/XX/XXXX. And again, the phone rep told me, " Yes, you can pay now because the promo period has ended -- and your payment will pay off this BalTrnOffer 7 balance. '' Perfect! I paid {$8500.00}. ( I believe I made the payment on the phone with the rep. ) But instead of paying down BalTrnOffer 7, my payment was assigned to : - Plan 4 : 60-month loan@ 8.99 % This messed up my entire pay-off plan because I was diligently monitoring and paying down my highest-interest balances first, wanting to leave my low-interest loan to be paid off at the end of its term. ( Plus, my loan was set for 60 months@ 8.99 % -- there was no need to pay this off early while BalTrnOffer 7 went up to 24.24 %! ) I talked to Citi multiple times ( at least half a dozen ) and each time was told they were investigating this matter to correct it. 

I specifically asked them to listen to the phone call on XX/XX/XXXX where I was told that my payment would pay off BalTrnOffer 7. 

On XX/XX/XXXX, I was told this recording had been listened to on XX/XX/XXXX. 

On XX/XX/XXXX, a phone rep said my request was resolved and I would see my corrected balances soon. I was also assured that the interest that had been accruing due to the mis-assigning of my payment would be credited to me. 

But all I have been receiving are generic letters from Citi explaining that payments go to balance in APR order from lowest to highest. ( I knew that -- that's why I was so careful to ensure my BalTrnOffer 7 was indeed high interest at the time of my payment. ) Sorry, this has been very frustrating. I believe I have a strong case because multiple Citi representatives repeatedly told me that my payment would pay off BalTrnOffer 7, specifically calls on : - XX/XX/XXXX - XX/XX/XXXX and - XX/XX/XXXX ( when I paid off XXXX XXXX ) Thank you very much for your help.
Consumer complaint received 2022-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

I have been a member of USAA for almost 28 years. Yesterday, on my pay day, my wife and I were paying bills when we were asked to verify a purchase we made. We verified the purchase more than once with USAA and XXXX and the purchase was still declined. I then called USAA to advise them that the purchase was not fraudulent. While I was on the phone with USAA, with no notice, my account was placed into a " credits only '' status. Because I have recently transitioned from XXXX XXXX to retirement we are still making adjustments for a paycheck every two weeks to once a month. As such at the beginning of every month I have to pay all my bills, buy groceries, purchase gas for the commute to work, etc. I haven't a single dollar to go to the grocery store to purchase food for my family. I have a family of XXXX and this is just not acceptable. Additionally, because I was never notified I could not stop any online or automatic payments for my auto loan, utilities, water, Internet, cell phone, TV, etc. Now, the vast majority of these companies are going to charge me a fee for having declined payments. When it is all said and done the {$300.00} verified purchase we tried to make is going to cost me well over {$300.00} in declined transaction fees from all of my various attempted payments. I am being penalized for doing nothing fraudulent. My wife, XXXX kids, and I are going to suffer for attempting to follow USAA 's own company 's protocol by verifying the attempted purchase was indeed not fraudulent. Additionally, after 4 phone calls, and more than 4 hours on the phone, no one can assist other than saying I will have to wait 3 business days for this to be resolved. This happened on Thursday which equates to 5 full days that my family and I will be without money, food, gas, etc.
Consumer complaint received 2022-04-19
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. (NV)

During XXXX, I was attending graduate school at least half time. XXXX, the servicer of several loans, failed to contact me and inform me that my student loans were not in deferment. It was not until XXXX that I was made aware that XXXX was demanding payment. I spoke with a representative from XXXX, and they steered me into a forbearance, and gave me additional ACCOMMODATIONS to address what they were claiming as a delinquency. XXXX also initiated Income Based Prepayment, and wrote me a letter of Good Standing. However, even though I brought the a account " current, XXXX continued to report that my accounts were 90 days delinquent, which damaged my credit score and my ability to secure an auto loan.

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( XXXX. XXXX, XXXX ), at section 4021, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to 15 U.S.C. 1681s-2 ( a ) ( 1 ), which provides, in part that " If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). '' However, as noted above, XXXX continues to report my accounts as 90 days delinquent. XXXX is violating the FCRA, and/or other laws.
Consumer complaint received 2022-04-19
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 Accounts listed below, 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 All these account has been disputed several times and the information isn't 100 accurate and its very frustrating to keep trying to dispute these accounts and nothing is being changed or deleted. This is my last try at this.

Account with incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account paid and payment history is expectational XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-03-25
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: Experian Information Solutions Inc. (GA)

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get a job, apply for an auto loan, apply for a credit card, or even get an SBA loan for my business. Under this crisis of Covid 19 you have hurt my ability to obtain credit. On XX/XX/2022 I attempted to submit a dispute for negative items on my credit report. I submitted my documents to identify myself and used certified mail to ensure the arrival of my dispute letters. I submitted a follow up letter on XX/XX/2022 and on XX/XX/2022 to comply with my demands so that they see I reached out to the consumer financial protection bureau and other agencies for their assistance in this issue.
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

On XX/XX/XXXX, I made arrangements online to have my payment made on the due date of XX/XX/XXXX. When I received my XXXX statement on XX/XX/XXXX, I realized they hadn't taken out the payment on XX/XX/XXXX, so I called the company, Comenity Bank about the mixup with my XXXX XXXX account. They were very helpful, and everything was fixed, or so I thought. Today, XX/XX/XXXX, I received a statement from Comenity BankXXXX XXXX for {$140.00}. The statement clearly shows that I had paid the bill on the XXXX of XXXX, and that they had given me a partial credit on the late fee as well as XXXX on the finance charge. Then it shows that they returned my payment, which they did not do, put the late fee and finance charge back on my bill, and added another late fee and additional finance charge as well. I had them paid off, and had requested my card be cancelled. Now they have kept the money I gave them, lied about returning the payment, which they had no reason to do, and are charging me way more money. They didn't cancel the card, but lowered the limit. I have mailed them a check for {$140.00}, which I do NOT owe them. Please, do something about this company. I don't know anyone who can afford this kind of treatment.
Consumer complaint received 2022-04-19
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. (MI)

In accordance with the Fair Credit Reporting act Convergent Account 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 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 2023-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (TX)

I've just learned that National Recovery Agency has gone around my back yet again to deliver more false info, this time being my address, or one associated with me to XXXX. On this alleged itemized bill that I've attached for you to view, shows an address in which I've never seen, heard of or have ever any connection with in any time or point in my life " XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX. '' I have already filed a dispute to XXXX who confirmed it false and had it deleted from my report. So far, I have had to go to each bureau and do what this " creditable '' collections company " NRA '' said they had already done on their " Non-Monitary Releif '' statement from my first complaint # XXXX, and make sure these were deleted. XXXX out of XXXX bureaus had any idea this was even requested on their end, but another was to correct my address. Which address is my question... Chatting via CFPB complaint, they say they had my current address wrong, which I've proven that was a lie, and as far the address they reported behind my back to XXXX who posted it on my credit report that this was somehow my address on the itemized receipt. 

I've been advised to treat this as identity theft, and make a statement letting it be known, I shouldn't have to keep learning more and more fouls from a larger collection company. They are either desperate, or employ anyone to let this kind of criminal damaging actions take place. 

These accruing damages that I've endured are more than I can continue to bear. I've spent over {$1000.00} in trying to discover who this bogus info came from and how to get it removed off my credit reports. Not to mention the health conditions I've been in since my discovery of this malpractice, or the lack of sleep, work, time with family that I can not get back...
Consumer complaint received 2022-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi I am submitting this XXXX 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 n 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 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 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 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 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

This is not a duplicate report and this is not filed by a Third-party I just reviewed my credit report and there are some hard inquires that I do not recognize XXXX XXXX  XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Auto ) XXXX XXXX  XXXX  ( Bank XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX