davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
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. (IL)

i told transunion that they needed to delete or send me proof i got card from inquiry or firm offer of credit they just deleted older inquirys nothing new XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Hotel and XXXX ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX i got XXXX card from and yet they have XXXX inquirys on my report so give me proof or delete inquires you guys stated that when i got started you guys told me to send in report and you would delete and so far i sent in XXXX consumer fraud reports XXXX police reports and attorney genaral and still got these inquirys on my report
Consumer complaint received 2023-12-30
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. (IL)

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 : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 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 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Paramount Capital Group, Inc. (PA)

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( PARAMOUNT CAPITAL GROUP ) LAST REPORTED DATE XX/XX/2023, bureau ( XXXX XX/XX/2023 ), ( XXXX XX/XX/2023 ), ( XXXX XX/XX/2023 ) ( XXXXXXXX XXXX DAYS LATE PAYMENT ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-12-30
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. (OH)

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 Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : 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 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 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX {$430.00} XXXXXXXX XXXX XXXX- XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX - XXXX XXXX {$230.00} XXXX XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED.I am requesting that you provide complete documentation validating this debt, including but not limited to : The original account number The original creditor The date the account was opened The date of the last payment The amount of the original debt An itemized statement clearly showing the full payment history on this account If you can not provide all of this information, then under the law you must cease collection activities regarding this account. Furthermore, if you can not validate this debt, I request that you immediately delete this account from my credit report. The negative information associated with an invalid debt is damaging my credit score and ability to use credit where needed. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act. You are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, TRANSUNION, AND XXXX I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft also DID NOT consent to you reporting information in my name to the consumer reporting agencies. Please supply this or immediately remove it from my credit report.
Consumer complaint received 2023-12-30
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

Hii I was only looking at insurance rates because I will soon be buying a car and wanted to know approximately how much I would pay a month. According to law 15 U.S.C 1681 there shouldnt be any damages done to my credit. This is considered defamation of my character and I would like my credit fixed.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Account : XXXX. To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged account is not only listed as OPEN, but also as having a past due balance of {$2000.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to The Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Consumer complaint received 2019-12-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

CITIBANK. I deposited a check for {$14000.00} in a New CITIBANK account on XX/XX/2019. Because the account was new they placed a 5 day hold on the deposit. This Hold was removed XX/XX/XXXX. On XX/XX/XXXX they removed the hold - I used some of the funds and then my card was blocked. I was notified Citi was closing my account - I had an ending balance of {$8200.00}. I was told they would mail out a check - they have not. I have received {$0.00} from CITIBANK. They are holding my money. Every time I call, they say they mailed a check. I spoke to one lady who said " Citibank has taken possession of these funds. '' I have asked for invoices and statements to be sent to me - no one does anything. They say it is confidential. They are holding my money and have stated this multiple times.
Consumer complaint received 2022-11-02
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. (AZ)

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-29
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Western-Shamrock Corporation (TX)

After filing a complaint on yesterday with CFPB in regards to repeated phone calls and a cease and desist, I received a response from CFPB this morning in which the company stated that they have ceased calling my family and friends and will continue to call me. Well, that has been determined to be a lie. All 3 of my references received a phone call on today, XX/XX/2020 but I, personally did not receive a call. I called the office and told the lady that I would call in everyday that way she did not have to call me and she stated that she still was going to call me and all of my references EVEN IF I call the office each day until payment is made, which makes no sense if I have already informed them by calling of the status of that payment. This further proves my harassment claim. The fact that they would blantantly lie to a government agency speaks volumes for the moral of this company. I do not understand their obsession with defrauding the government by providing information that they knew was not true.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to formally request the blocking and deletion of the following account from my credit report. I am a victim of a data breach, and pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to have this account removed to protect my credit. 
The account in question is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NJ)

I sold my home on XX/XX/XXXX. My loan with Freedom Mortgage was paid off in full on November 5, 2019. I have not received my escrow refund of {$2100.00} yet, and it has been almost three months. I have tried resolving this issue with the company several times. 

I was initially told that my mail was being returned undeliverable. I contacted my local post office and was told that this was not true. I received mail every day to the same address Freedom Mortgage had on file without issue. Freedom Mortgage never provided me with any proof that a check was ever mailed out or returned undeliverable. 

I then provided Freedom Mortgage with a different address to send the check to and I was told that I would receive it within 7-10 business days. I have not received anything. I spoke with a supervisor again today ( XX/XX/XXXX ) and was told that it still had not been mailed out but it would be and they would try to put a tracking number on the package. 

Each time I call I receive a different answer as to when I should be receiving my refund. The customer service representatives have been extremely rude and unhelpful.
Consumer complaint received 2020-01-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harpeth Financial Services, LLC (TN)

24/7 Advance financial repeatedly charged my bank account after i paid off the full balance that i owed. I walked into the branch to make sure my payment went through and the clerk informed me that my bank cleared the payment and was waiting for their bank to proccess it. But a few days later i was getting notifications from my bank that 24/7 financial attempted to debit my account {$61.00} this happened at least 5 times which is excessive because i did not Authorize any autopay from my bank account.
Consumer complaint received 2020-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: PENTAGON FEDERAL CREDIT UNION (MS)

i been on hardship because havent work in some months, so penfed closed my account and now sending this letter about suing me with their lawyers.i have reach out to them about this account to keep it in good standing.
Consumer complaint received 2023-12-29
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)

XXXX, XXXX, and Transunion have violated my consumer rights under the fair credit reporting act, also known as 15 USC 1681 by publishing these negative items on my report without my written consent. Under permissible purposes 15 USC 1681b ( 2 ) and breach of privacy in which congress set forth for the credit reporting agencies as they are to exercise their great responsibilities with fairness impartiality and to respect the privacy that of the consumer. 

Not only these credit reporting agencies, but these creditors of the negative accounts have also violated these laws as well as also the fair debt collection practices act also know as 15 USC 1692. As they are prohibited to communicate with any third party pursuant to 1692c ( b ). As these negatives on my report are a harm to my reputation and character by defamation. 

Letters were sent certified mail with receipt to these companies on XX/XX/2023. One was received as refused ( XXXX, XXXX ) and still waiting to receive the other ( XXXX XXXX XXXX XXXX ) and its been past 30 days. 

30 days has passed which by law they must respond within that time frame long with the negative items deleted. Not only is XXXX, XXXX in violation of the law to which they were notified about complaint filing as well as process of litigation to seek relief and remedy pursuant the 15 USC 1681n under the fair credit reporting act and remedy and relief under 15 USC 1692k, they and the consumer reporting agencies neglected to respond and make those changes pursuant to 15 USC 1681o as they neglected to respond which further remedy and relief shall be pursued for punitive damages. 

There are also a few other violations that these companies have made that can be provided for further evidence if needed.
Consumer complaint received 2023-12-30
Product: Credit 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: DISCOVER BANK (VA)

On XX/XX/2021 a charge was made on my discover card in the amount of XXXX At the time my ex-girlfriend lived with me and was using my personal information to obtain credit card and use my cards for a fee for her associates to support her addiction. I became aware when I received a letter with a pin number for a XXXX credit card that I never applied for. Since I did not know the extent of the damage, I contacted XXXX who forwarded me a detailed credit report. It was a long process to get those opened cards closed. However, discover has been nothing but difficult with getting that large purchase removed. The more I tried the more Discover Card penalized me by lowering my credit limit and increasing my APR. Not only have I been suffering by trying to pay the high interest on a purchase I never made, but It has also made my utilization higher in which ruined my credit score. I also have another credit card from Discover not opened by me that I was lucky to have closed yet it has also affected my score. I had to take out a loan recently to have discover paid off in full because with the interest and fees I have paid them twice for that fraudulent purchase that I received not benefit from.
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

Company reported my account closed due to chapter XXXX wage earner plan on XX/XX/2019. I filed a dispute with Equifax and XXXX  on XX/XX/2019 and they both claimed negative information is correct. I called XXXX MasterCard directly on XX/XX/2019 they told me they would open an investigation and for me to call back in 7 to 10 days. I have never filed bankruptcy or missed a payment!
Consumer complaint received 2023-12-30
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. 

Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 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 2021-10-15
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: JPMORGAN CHASE & CO. (MI)

My drivers license was lost in XXXX I got a new one then someone stole my wallet with id and credit card and used it in XXXX... I have notice that there are inquires on my account which leaves me to believe they are trying to use my identity..
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I had disputing this account with XXXX XXXX XXXX multiple times this is not my account I was XXXX  during the times this account was open I has summited multiple supporting documents as well as police report. XXXX and XXXX has already removed this item from my file .everytime I dispute it threw Equifax they say the dnt have my documents on file here I am once again resending the documentsthis account is showing inaccurate such as XXXXlate payments as well as its not my account ..I ask that u removed all late payments or removed whole account this has cause pain and suffering to me. I have file multiple complaints
Consumer complaint received 2020-01-29
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: Experian Information Solutions Inc. (IL)

I HAVE DISPUTED AN INACCURATE BANKRUPTCY WITH EXPERIAN SEVERAL TIMES. AFTER THE INITIAL DISPUTE THEY INFORMED ME THAT THE BANKRUPTCY WAS VERIFIED, AND IT WAS VERIFIED THROUGH XXXX XXXX. WHILE DOING MY OWN INVESTIGATION I CONTACTED THE BANKRUPTCY COURT & XXXX XXXX DIRECTLY. AFTER REVIEWING MY XXXX  XXXX  REPORT IT STATES THERE IS NO RECORD OF ANY BANKRUPTCY FOUND. I RESUBMITTED MY DISPUTE WITH EXPERIAN AND ATTACHED ALL OF MY SUPPORTING DOCUMENTS WHICH STATES THERE'S NO BANKRUPTCY FOUND. I ALSO DISPUTED THIS WITH XXXX  AND XXXX, AND BOTH BUREAUS REMOVED THE INACCURATE BANKRUPTCY. I THEN PROVIDED EXPERIAN WITH MY INVESTIGATION RESULTS WHICH SAYS THE BANKRUPTCY HAS BEEN REMOVED, AS WELL AS THE XXXX CONSUMER DISCLOSURE REPORT FROM XXXX XXXX. AFTER ALL OF MY SUPPORTING DOCUMENTS THEY HAVE YET TO REMOVE THE BANKRUPTCY AND IS LYING SAYING THEY VERIFIED THE PUBLIC RECORD.
Consumer complaint received 2023-12-30
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (NC)

XXXX of XXXX  I had 2 disputes I made and nothing did not happen and it keep messing up my credit, which they knew it was frod and keep coming back and 1 stayed..no action was taken cause.its still on my credit