davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (ND)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PA)

Back in XX/XX/ someone opened a Macy 's Citi card and charged just over {$500.00} on it. I never opened this card, nor did I give anyone permission to open a card in my name. I called their fraud department, they said they marked it as fraudulent right away and I shouldn't worry about it. Three months later my credit score gets dinged and I see they filed a no payment against me. I called back in and they person I spoke with said they see where it was caught as fraud right away, but the person flagging it did so incorrectly, so they claim to have corrected this, but I just received another call XX/XX/ claiming I still owe this money. I am beyond over dealing with this shady company, nor should I have to as I have never done business with them in the first place. I don't know what else to do other than file a complaint before they ding my credit once again.
Consumer complaint received 2023-06-23
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. (CA)

I recently applied for credit and was denied. I checked my consumer profile and noticed that there are several unauthorized accounts being reported on my credit file. I have attached a brief summary of the accounts that are infringing on my right to privacy.
Consumer complaint received 2023-06-23
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. (PA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX XXXX XXXX  : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me because I can not recognize this business. 
Please delete this account from my credit report. 


Sincerely, XXXX XXXX
Consumer complaint received 2019-03-13
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: Experian Information Solutions Inc. (MD)

credit company ( XXXX ) will not remove this and the opening date is incorrect name : XXXX XXXX date opened : XX/XX/XXXX balance date : XX/XX/XXXX balance amount : XXXX status : closed Credit company ( Experian ) will not remove this old account, this account is closed but they have it listed as opened. 
name : XXXX date opened : XX/XX/XXXX balance date : XX/XX/XXXX pass due amount : XXXX balance amaount : XXXX  1.Credit company ( XXXX ) will not remove this old account delinquencies name : first premier date opened:XX/XX/XXXX balance date:XX/XX/XXXX account status : as agreed 2.Credit company ( XX/XX/XXXX ) will not remove this old account delinquencies name : XXXX XXXX date opened : XX/XX/XXXX balance date:XX/XX/XXXX account status : as agreed
Consumer complaint received 2023-06-23
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to revalidate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please reinvestigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$17000.00}, US DEPT ED XXXX XXXX XXXX {$9100.00}
Consumer complaint received 2023-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-06-24
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX : Account number : N/A, Please remove it from my credit report. 
I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX  : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX  : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX XXXX Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 



Sincerely, XXXX XXXX
Consumer complaint received 2019-03-13
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (SC)

I received a check from XXXX XXXX XXXX dated XXXX 2018 as a refund for an overpaid medical bill. Check number : XXXX for XXXX was issued in my name. I cashed the check at a local convenience store and about a week later the owner contacted me and indicated the check had been returned. I contacted XXXX XXXX XXXX to determine the issue with the check and was advised that the check was valid and should have gone through. Well, it did not and I was told by XXXX XXXX XXXX to give it some time and have the owner try to deposit the check again. He did and again it came back returned. After weeks of going back and forth with XXXX XXXX XXXX and the owner, I have finally reached my limits. I later learned from XXXX XXXX XXXX  that they put a stopped payment on the check but was never told why. XXXX XXXX XXXX did confirm that the funds were good and that I should have been able to cash the check but that I should have cashed the check at a XXXX XXXX XXXX branch. I ended up having to pay the owner of the convenience store out of my own pocket to cover the check and have yet to be reimbursed for the XXXX by XXXX XXXX XXXX. I was told by a XXXX XXXX XXXX rep that I needed to write a letter stating what happened and send to their office to be reimbursed. At this point, I have lost all faith in XXXX XXXX XXXX and just want the XXXX refunded back to me.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-06-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (IA)

To Whom It May Concern On XX/XX/2023 I've purchased a part for my XXXX. Order number XXXX for total price of {$140.00} *The part did not fit and so I mailed it back for a refund in its original packaging. I did not even remove the part from packaging. It was a trim piece so I knew it would not fit. 
XXXX provided me with a label to ship the part back of which I shipped it right away. 
*Once I saw via tracking that XXXX received the part, I inquired on the refund. 
*I have been told by XXXX XXXX XXXX that he processed a refund on XX/XX/2023 then again on XX/XX/2023 however my bank ( US Bank ) along with XXXX states there is absolutely no refund on the account. I do not see any monies in my account either. 

US Bank is refusing to file a dispute on my behalf though I know that US Bank is insured. I am out of {$140.00}. In addition, I have provided US Bank multiple emails stating from the merchant that they have supposedly refunded the money. US Bank agreed that there is no money refunded however US Bank is refusing to help. This is nothing but a fraud case and US Bank should stand by their clients. 
I am extremely upset that I can not trust my own bank to protect me in such cases. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (CA)

Please delete the following incorrect information from my credit report, it is inaccurate I'm never live in thefollowing addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, CA XXXX. And the following names are incorrect my name is " XXXX XXXX XXXX XXXX ''. Pleasedelete the following incorrect names : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. Incorrect employer : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX. Also delete the following unauthorized hard inquiries these inquiriesis not belong n to me. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-03-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

MY WIFE WHO IS XXXX HAD HER XXXX BENEFITS STOP XX/XX/XXXX AND HAD TO RE-CERTIFY FOR BENEFITS WHICH TOOK ALMOST 1 YEAR AND CAUSED US TO DEFAULT ON OUR HOME LOAN. WE HAVE A SALE DATE OF XX/XX/XXXX PennyMac Loan Servicing has illegally foreclosed on our home pending sale date is XX/XX/XXXX. We applied for a modification XX/XX/XXXX, we were told that all documents were received and we would hear from them. Then we received letters from PennyMac showing an auction date of XX/XX/XXXX. We were horrified and saddened at the same as we were seeking help to save our home of almost 13 years. We were also under the impression that foreclosure proceeding should be suspended during the modification process. We contacted a Real Estate to list the property for sale. Comps in our area were showing sales for similar properties at $ 700,000k+ but we listed at {$680000.00} aggressively to sell ASAP and obtain a small equity to relocate. We contacted PennyMac for a payoff and was told {$610000.00}. This amount was fabricated to ensure we could not get any equity from the sale since 6 % would go to selling process.

PennyMac denied that offer and 2 additional offers. PennyMac had offered a short sale option and deed in lieu in XX/XX/XXXX. In XXXX, we dropped the price to $ XXXX, got an offer for {$640000.00} which PennyMac denied because they said the home was evaluated at {$650000.00} ... .We found this out XX/XX/XXXX last Friday and that was our last hope ... SALE DATE XX/XX/XXXX. WE CURRENTLY HAVE A VALID OFFER BUT PENNYMAC STILL WILL NOT CANCEL THE SALE ... WE NEED TIME TO SELL THE HOME. PENNYMAC USED ILLEGAL AND FRAUDULENT PRACTICES TO SELL OUR HOME. PLEASE HELP US.