davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-02-28
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. (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 U.S.C 1681. 

XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX XX/XX/XXXX amount XXXX These persons have 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 agency can not furnish an account without my written instructions.

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. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be 100 percent accurate.

15 U.S.C 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by Congress to protect my rights.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2015-09-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Ballybunion Enterprises, Inc (NJ)

these people sued me XXXX for a debt they say i owed XXXX and i lived in XXXX and did not receive service notice..they continue to take money from my account these people are crooks and need to be closed down.
Consumer complaint received 2015-10-25
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Empowerment Ventures, LLC (NY)

I have the Rushcard and been locked out of my account, been hit with late fees on numerous bills, no food, no access to my money since XXXX XXXX. My rent is due this week and have no access to my money ....
Consumer complaint received 2023-01-24
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. (MS)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to : XXXX XXXX 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2023-01-24
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: ERC (TX)

ERC Enhanced Recovery Company was paid a total of {$200.00} for an old XXXX XXXX XXXX account which I paid on XX/XX/2022. I have XXXX letters from ERC showing my payment was received and the account was settled. I am and have requested multiple times for them to removed/delete this from my credit report and they have failed to do so. I have called them and have be redirected to contact XXXX XXXX XXXX which I have and was told they dont handle this since it was given to ERC. I have called ERC back asking for this to be removed they have told me they cant do this and I have to handle this myself reaching out to XXXX which I have but I am still waiting. I really need help with this as I am trying so hard to get approved for a home loan and this XXXX collection that has been taken care of it all comes down to this. 

Thank you so much.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of receipt. I HAVE ATTACHED MY FTC TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTIC FROM TRANSUNION
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Victim of identity theft my documents were stolen from me. As of right now, I am not aware of the suspect whether it's XXXX XXXX, close friend, retail stores or family. I am asking that the reporting accounts, inquires and even the addresses that I am not familiar of to be completely erased from my files. These accounts doesn't belong to me at all. Review each attached files carefully, My identity is attached in the file below along with an additional copy of my identity.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I purchased two acrylic prints for my wife for our anniversary. I paid through PP using my credit card. When I received the prints they were damaged and I requested a refund through PP. This went nowhere, so I contacted Citi to step in and resolve the matter. I submitted images to Citi showing the damage and their 'investigator ' resolved the dispute and is holding me accountable. 

How is this possible? I paid good hard earned money for an item, and I received something not as advertised. They had damage, so much so that you can not hang them on a wall or look at them. 

I am requesting that Citi do the ethical thing here and resolve this dispute in my favor for paying for and receiving damaged items. If the merchant wants the damaged items back, they can send me a prepaid shipping label and I will gladly send them back, but I refuse to come out of pocket to mail these things back to XXXX. 

Thank you
Consumer complaint received 2024-09-04
Product: Credit reporting 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)

So even AFTER the second investigation I still found several inaccuracies on my credit report according to XXXX XXXX XXXX - XXXX XXXX XXXXXXXX was marked charged off on XX/XX/year> which previously showed XX/XX/year> BUT according to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX this account was charged off XX/XX/year> and since then the account has been repeatedly updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history this inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX - XXXX XXXX  XXXX TransUnion is the only bureau with this on my credit file STILL even after reporting ID theft and several inaccuracies please delete this from My credit file
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I have sent numerous of investigation letters to all three Bureaus. they have not deleted Names and address on my credit report that are fraudulent and that are not mine. Also the jobs that are reported are not accurate. there are accounts on my Credit report that i have sent letters about that are not mine.
Consumer complaint received 2023-02-28
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. (GA)

Privacy and confidentiality under the 15 USC 1681 Account XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXXXXXX 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 XXXXXXXX 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 an account without my written instructions.

15 U.C.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 2023-01-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: DOLLAR MUTUAL BANCORP (PA)

This is not the first time Ive had trouble with Dollar Bank. Between mid XXXX and early XXXX of XXXX, my debit card was compromised twice in a 15 day period. The replacement cards took a very long time to arrive and I found the service I received over the phone to be less than great. After the XXXX time my card number was compromised, I opened a new checking account at a different bank with the intention of closing this one. 

On XX/XX/XXXX I received a letter for overdrafted transactions to XXXX. Knowing I hadnt used this account in some time, I called and filed a fraud claim. The next day I reinstalled XXXX and discovered I had been wrong, the transaction was made on my XXXX using this account in error. I immediately called Dollar Bank back and asked to cancel the fraud claim, to please waive the fees, I would settle the account and close it then. The rep I spoke to ( XXXX XXXX advised I would need to go to a branch to close the fraud claim and they would handle waiving all of the fees and settling/closing the account. I confirmed the branch would waive ALL fees more than once. 

So I took time off of work today to go to the branch, withdraw the fraud claim and settle it. I had to write a statement and sign it to withdraw the fraud claim. Then they refused to waive the three {$36.00} overdraft fees that they applied to the account, would only waive two. I told them I would happily wait while they contacted the call center and pulled the call and that I would like what I was told on the phone to be honored and they refused multiple times to waive the fee, refused to close my account and threatened me with a charge off. Over two transactions totaling less than {$25.00} that I was willing to pay! I was a loyal customer for more than eight years and always had direct deposit. I recommended them to so many people and I feel lied to, I feel bullied by both the personal banker XXXX XXXX XXXX and his boss, branch XXXX XXXX XXXX. So now Im out not only the wages I lost not being at work to go all the way out to the branch, I was deceived by multiple people. I feel this is a XXXX violation.
Consumer complaint received 2023-01-24
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: GLOBAL SOLUTION BIZ LLC. (GA)

Hello this company continues to harass me and skip trace family members I have never heard off but the family members are finding me via social media. I have asked to go to court they keep reselling this when I'm already paying a company and sent the proof. I've emailed and mailed cease and desist and they will not stop. I contacted my attorney he advised me to file a complaint here first.
Consumer complaint received 2023-01-24
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. (NC)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (KY)

I 've been noticing that I had been having some unauthorized charge on my Best Buy ( Citibank/ XXXX /  XXXX   - whatever it is called now ) account called " Debt Protection/Debt Cancellation. '' I never really thought anything of it. Further into doing research, I noticed it had been on my account for  two ye ars ( the oldest statement that I can see online is from   XXXX   XXXX    ),  and I 'm assuming this probably has been happening unknowingly for much much longer. It 's been around $  XXXX  {$18.00} every month. I NEVER ever purchased this or authorized this, because I have no need for that service or any similar service. Every time I buy something anywhere and they ask for any kind of additional protection, I always say no.  Plus, I h ave n't charged anything to my card in years and years and years.     I saw online that  Citibank had n umerous complaints and there was a  Class Action lawsuit and that they were fined {$35.00} million and forced to reimburse {$700.00} million to customers. I NEVER got notified or refunded at all or   received any notification that this had occurred. This is actually the first time I 'm hearing about ( ever since I did research online this week ). I would like to find out when the charges started and be reimbursed for the entire amount up until currently, as well as having the whole " debt protection '' charge cancelled and removed from my account indefinitely. I 've even read about people having the charges on their card even after their card is paid off and the account is closed. I do n't want that to end up happening to me.     I contacted Best Buy and they sent me this message " We received your recent request regarding your account. We have received your request to change or cancel your debt protection enrollment. This process is handled by  XXXX , a third party vendor, please contact them directly at  XXXX  ( TDD/TTY : Use Relay Service ) Monday  thru  Friday  XXXX   XXXX  ET to  XXXX   XXXX  ET, Saturday   XXXX   XXXX   ET to   XXXX   XXXX   ET and Sunday  XXXX   XXXX  ET to   XXXX   XXXX   ET. Please let us know if we can be of further assistance. '' I 've never heard of  XXXX  or was ever informed of this Debt Cancellation service, and I do n't want to play phone tag.     The account should also be closed - as of    XXXX    ( I still have a balance on it  ).   The account is n't active, but yet they are still charging me for this " debt cancellation service. '' Once the balance is paid off, I do NOT want them to continue charging me for something that I do n't want. That   XXXX   is also the number on my statement each month.     ( I have attache d two screenshots - one is a sta tement from   XXXX   XXXX  , and it states that I purchased " debt protection, '' which is not true, because this is the first I had ever heard of it! ) I 'd like to get this resolved as quickly and less painful as possible. I would also like for that money from all of those years be reimbursed.
Consumer complaint received 2023-01-24
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)

I REPORTED TO XXXX XXXX THAT MY CAR PAYMENT HISTORY WAS NOT REPORTING TO MY CREDIT FILE. I'VE JUST RECENTLY PAID THE CAR OFF BUT IT'S STILL NOT SHOWING AND I NEED THIS ACCOUNT TO SHOW PAID AS AGREED AND NEVER LATE BECAUSE I WANT TO PURCHASE A HOME SOON AND I UNDERSTAND THAT THIS WILL HELP ME ALOT HAVING A PAID CAR LOAN REPORTING TO MY FILE. I'M ATTACHING A COPY OF THE LETTER XXXX JUST SENT ME SHOWING PROOF.
Consumer complaint received 2023-01-24
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. (GA)

In accordance with Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Consumer complaint received 2023-01-24
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. (GA)

In accordance with Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Consumer complaint received 2015-08-05
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY (DC)

I submitted a check payment in full via USPS in around XXXX XXXX, but the amount was not posted until XXXX XXXX, two days past my due date. XXXX charged me a {$27.00} late fee and {$28.00} in interest. 
They refuse to refund my money when I called to complain. 
This card has an annual fee of over {$200.00} that I have already paid. For what it is worth, this card has award miles associated with it.
Consumer complaint received 2023-01-24
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. (MI)

XX/XX/XXXX Experian XXXX was added to my XXXX XXXX acct. ( 3 ) inquiries as to Why I HAVEN'T REC 'D A XXXX YET? XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX NO REPLY FROM EXPERIAN! YESTERDAY I called both XXXX XXXX ( XXXX ) & EXPERIAN ( XXXX ). XXXX said - pending...? dashboard ...? today ... Her accent got worse when I asked WHY MY ACCOUNT HASN'T BOOSTED? Accounts added are XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
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. (TX)

My information was stolen years ago due to that XXXX data breach. I need your help in requesting that the CRA 's block the fraudulent information listed on my reports. Thank you
Consumer complaint received 2023-02-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION (MO)

I, XXXX XXXX, Original Creditor and Natural Woman/Man hereby rescind my consent to be liable to perform on the contract agreement i entered with XXXX XXXX XXXX XXXX XXXX XXXX 
I entered into this contract agreement with XXXX XXXX without 1 ). Full disclosure of my right to rescind 2 ).

Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that XXXX XXXX willingly and knowingly took advantage of me and my consumer credit.