davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Complaint Summary : Failure to Block Fraudulent Information as Required by FCRA Section 605B, & Potential Pattern of Illegal Practices by XXXX XXXX Complaint Details : I submitted an identity theft report to Transunion on requesting that they block the fraudulent information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B. This section requires credit bureaus to block the disputed information within four business days upon receipt of an identity theft report while they conduct their investigation. 
Instead of following the required procedure, TransUnion treated my submission as a standard dispute and began a 30-day investigation process. They did not block the fraudulent items from my report as required within the four-day window. 

Furthermore, the fraudulent accounts in question are associated with XXXX XXXX ( XXXX ). It is important to note that XXXX XXXX has a documented history of engaging in illegal and deceptive practices, as demonstrated by a Consumer Financial Protection Bureau ( CFPB ) enforcement action that ordered XXXX to refund {$59.00} XXXX to over XXXX consumers due to illegal credit card practices. The CFPB found that XXXX used misleading and deceptive marketing tactics and imposed an additional {$9.00} XXXX in civil penalties. This history of fraudulent practices may suggest that the identity theft on my credit report could be part of their ongoing illegal behavior. 

As a result of the credit bureau 's failure to block the fraudulent information and the potential involvement of XXXX XXXX in deceptive activities, I have suffered financial harm, including [ describe the financial impacts, such as denied credit applications, higher interest rates, loss of opportunity, etc. ]. I am requesting that the CFPB ensure that the credit bureau complies with FCRA Section 605B by blocking the fraudulent information immediately.
Consumer complaint received 2022-07-29
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. (NY)

There are two accounts that I have been trying to get corrected for quite some time. 7 months to be exact. There is an old XXXX which reports me as late and I have never been given proof that I was! It needs to be removed. What's worse is that the bureaus report Erroneously. XXXX reports the Date last active as XX/XX/XXXX and Transunion reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. XXXX also reports positive and current activity on an account that is closed. this should not be listed on my report. I have requested this removed based off these errors for months and no one will help me. They just keep updating incorrect information. 

The other account is a XXXX  credit card. The Date last active is reported as XX/XX/XXXX by Transunion. XXXX reports XX/XX/XXXX and they report me late and also charged off! they can't do that! XXXX reports me with current payments after collection activity and a date last acitve as XX/XX/XXXX. this is not accurate!
Consumer complaint received 2023-05-18
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. (DE)

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. 
Account name : XXXX, Account : XXXX, Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX has violated my rights. Or list of inquiries 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 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 2023-10-05
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. (NJ)

XX/XX/2023, I sent in dispute letters asking the CRAs to verify how they they found the disputed items valid or verified if there are still so many inaccuracies. I have requested multiple times on how they do so and haven't received any documentation. The accounts I am asking about are XXXX XXXX XXXX XXXX ( along with the other two inquiries. )
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (NV)

On XX/XX/XXXX I filed a dispute on for 24 charges that were made on my account. These charges are identical to previously disputed charges and all online transactions. I hadnt used my account online besides XXXX and to pay bills. When disputed I was told to wait 10 days. I also sent a written notice of dispute. When the 10 days was up I was told my claim was denied because the charges matched previous charges. However the charges that they matched are the same charges I have previously disputed. The card company has since reopened and closed my claim several times. When I ask what can be done about This because I didnt make the charges they tell me someone will contact me. No one had contacted me. The claim has been over the ten days and they open the claim and closed it when they want without providing any type of credit.
Consumer complaint received 2023-05-18
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX account # XXXX, XXXX, violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 168b A Creditor May not treat a payment on a credit card account under open end consumer credit plan as late for any reason
Consumer complaint received 2022-07-16
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$460.00XXXX XXXX XXXX Balance : {$820.00}
Consumer complaint received 2022-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

On XXXX XXXX, 2022, I received the following confusing and unexpected message from Venmo : We have recently reviewed your usage of Venmo 's services, as reflected in our records. Due to the nature of your activities, we have chosen to discontinue service to you in accordance with Venmo 's User Agreement. As a result, we have placed a permanent limitation on your account. 

We ask that you please remove any and all references to Venmo from your website and social media accounts. 

You may transfer the remaining account balance to your bank account but you will no longer be able to access your Venmo account. 

We thank you in advance for your cooperation. 

Sincerely, Team Venmo I wrote back on the same day that I did not understand why my account was suspended. I only use it for transactions among friends. In no way do I use it for commercial purposes. 


Later on the same day ( XXXX XXXX, 2022 ), I received the following email from " Team Venmo. '' We have received your email and will respond within 24 hours. You can always view answers to frequently asked questions in our Help Center. 

While youre waiting, how about you verify your email address if you havent already? Itll help us improve your Venmo experience. 

If you have an account related question and didn't write from the email address associated with your Venmo account, please reply with your account 's email address, phone number, the issuer of your funding source, and the last 4 digits of your card or account number. ( Example : XXXX, XXXX, XXXX XXXX. ) We look forward to helping soon. 

Your ticket number is # XXXX. If you have additional info, simply reply to this email. 


I did not feel comfortable responding to an email asking for personal information, so I did not reply. 


On Thursday, XXXX XXXX, 2022 I received the following email from a Team Venmo representative named XXXX : My name is XXXX, on behalf of Venmo. Thank you for taking the time to reach out to us. 

While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your account, we have found that your actions and activity have been in violation of this agreement. 

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help ensure that Venmo continues to be a safe way to make payments. 

If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. 

I apologize that we are unable to assist you further. 

Best regards, XXXXXXXX XXXX  | Venmo Support I have been unable to transfer my current balance of {$15.00}. I have written back to XXXX that I am reporting them and I would like my {$15.00} balance immediately.
Consumer complaint received 2023-05-18
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: Professional Debt Mediation, Inc. (GA)

XXXX XXXX XX/XX/XXXX {$1300.00} Connected the company demanding deletion cause it wasn't my account XXXX XXXX XXXX XXXX XX/XX/XXXX {$5000.00} Connected the company demanding deletion cause it wasn't my account and trying disputing XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} Connected the company demanding deletion cause it wasn't my account
Consumer complaint received 2022-07-16
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$820.00}
Consumer complaint received 2022-07-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Thaxton Investment Corporation (TX)

These people are literally harassing me. Theybsent me a loan throughout the mail which i deposited. Because of XXXX the payments didnt start until XXXX, which is when i dtarted my new job AND moved into my new apartment. I needed the extra funds to help with both. Ive never qualified for any rental assistance program so i had to utilize what i had available. Because they deferred all payment until XXXXXXXX XXXX of covid my {$300.00} loan turned into a {$900.00} balance. I did not find this out until i went online to create my account profile to make my payments. I realized quickly i got screwed but i was managing so much that i really didnt have time to complain. These people started calling me EVERYDAY!!! i have never spoken to them at all regarding my account because i literally work XXXX freaking jobs. I work from XXXX monday-Saturday to pay my rent, other bills, and pay of this dang loan!!! I literally pay between $ XXXX at least every other week..even on days i make a payment THEY STILL CALL ME!!! The latest was at XXXX literally!!! Ive gotten the {$900.00} balance down to less than {$400.00} and they still call me EVERY DAY!!! IF I LOSE MY JOB FOR THEM CALLING AND LEAVING ME MESSAGES ALL DAY I AM SUING THEM DIRECTLY!!
Consumer complaint received 2024-12-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (AR)

I believe this prepaid Master Card gift card was purchased from a XXXX grocery store, but I'm not certain. It was gifted to me by my father. When I received the card, it was in its original, intact and factory sealed retail packaging. I removed the card from the packaging, placed in a safe place in my home where it was inaccessible to anyone but me until sometime later. When I decided to use the gift card, I went to the website to attempt to register the card to be able to use it online. The website listed on the back of the card is XXXX  When I entered the card number and CVV, the website responded as if the numbers were invalid. I called the phone number listed on the back and was asked to provide the registered name. I told them it hadn't been registered because the website wouldn't accept the numbers. They responded that they could not assist me if I wasn't the registered owner of the card. I provided my name. They said that was not the name registered to the card. I told them THE CARD HAD NEVER BEEN REGISTERED, SO THERE COULDN'T POSSIBLY BE A NAME ATTACHED. I asked for the name of the company I had called, and was told it was U.S. Bank. They told me I would have to fax a copy of the gift card and my driver 's license to prove I am the owner of the card. I asked how I could possibly I asked to be transferred to a supervisor. They refused. I asked for the address of the company, so I could send written correspondence. They refused to provide any information. Frankly, I was concerned this was a scam and a phishing attempt, so I was just trying to ascertain as much as I could about the scammer. I have since come to believe that this is a different sort of fraud, in which this company sold prepaid debit cards as " gift cards '' in retail locations and has deliberately disabled its online registration function, so that the cards are too difficult to use. They have, in effect, stolen the money my father put on this card by placing ridiculous barriers to usage.
Consumer complaint received 2022-07-15
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. (WA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXXXXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXXXXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX  Inquired XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX  Inquired XXXX XXXX XXXX Inquired XXXXXXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX Inquired 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 an account without my written instructions not to mention the fact none of these were from me they were false or fraudulent attempts
Consumer complaint received 2023-04-08
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. (CA)

Pursuant to the FCRA, it is EQUIFAX 's duty to report CORRECT and ACCURATE information on my credit report and file. However, they are NOT. EQUIFAX is reporting inaccurate late payments for the XXXX XXXX XXXX account ending in XXXX. These inaccurate late payments include the reporting of 120+ days past due on XXXX XXXX, and XX/XX/. This is INCORRECT and is supposed to be reporting as PAID AS AGREED. Moreover, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A late payment constitutes a " transaction ''. Therefore, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. Furthermore, I did NOT give EQUIFAX written instruction/ permission to furnish these inaccurate late payments on my report and file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is VERY clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the reporting of the inaccurate late payments is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-04-08
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: EQUIFAX, INC. (TN)

There was an item placed on my Equifax credit file by XXXX XXXX XXXX after we moved out of state and had no knowledge of an amount left owed. It was sold to a debt collector, XXXX XXXX of Companies, and added to my credit file. I contacted XXXX, paid the amount and notified Equifax. It took them over 2 weeks to investigate and still came back with the same result, saying they verified the account was accurate, when in fact, they had proof that it was not. The collection is still showing unpaid on my credit report.
Consumer complaint received 2023-05-31
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. (GA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

I am a victim of identity theft. In XX/XX/XXXX, when I checked my credit score from my financial institution 's site, I noticed that my score went down XXXX points from XXXX to low XXXX. I reviewed my credit reports and learned that my personal information was used to open various accounts with XXXX and Discover. Based on the information that XXXX sent me, the accounts were opened using my name, SSN, birthdate, an old address from XXXX and a made-up email using my name and birthyear. I did not open nor authorize these credit card accounts and I contacted said companies to have them : 1. Close said accounts immediately. 
2. That XXXX and Discover absolve me of all charges on the accounts, and 3. That they take all appropriate steps to remove information about these accounts from my credit files. 

I filed a police report through the XXXX XXXX XXXX Department. I also filed an Identity Theft report through the Federal Trade Commission. I have contacted the companies where fraudulent accounts were created. I have also reported this to XXXX, XXXX and XXXX. 

I spoke to a Discover Card Fraud Department representative, " XXXX '', on XX/XX/XXXX. XXXX claimed that their initial investigation did not find that fraud occurred in this account because the phone number they said is associated with the account is a phone number linked to me based on public records. I have a different phone number than what they have on file. And I have been using this number since I started subscribing to XXXX from XX/XX/XXXX. I have received a letter from Discover dated XX/XX/XXXX which stated that I am responsible for the entire balance on the account and will begin receiving statements within 30 days. The representative gave me the name, address and phone number of the merchant involved in the fraudulent transaction. I contacted the XXXX XXXX XXXX Department and gave them this information to update the status of the fraudulent accounts. The Sheriffs Deputy who assisted me, XXXX XXXX, created a supplemental report and forwarded it to the XXXX XXXX Police Department for possible further investigation.