davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
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)

I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I amm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.
Consumer complaint received 2022-09-21
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. (DC)

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account : XXXX XXXX account number : XXXX account XXXX XXXX XXXX XXXX XXXX : account number : XXXX XXXX XXXX XXXX 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 then seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Terrill Outsourcing Group (IL)

They keep calling the XXXX phone number even though I asked them to send a letter multiple times and to stop calling. I let a relative use the phone and they were asking that person personal questions about me. They werent even supposed to call anymore.
Consumer complaint received 2022-01-02
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. (PA)

I never consented to the furnishing of these accounts on my report and that is in direct violation of USC 15 1681 ( b ) -PERMISSIBLE PURPOSES OF CONSUMER REPORTS. 
ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBERXXXX
Consumer complaint received 2022-01-02
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: EQUIFAX, INC. (NC)

I am a former XXXX XXXX student who s applications for borrower defense to loan repayment was approved in XXXX of XXXX. Under the court rulings and the secretary of education authority, all outstanding loans, paid off loans and negative reported account history should be forgiven erased, loans dismiss and/or reimbursed. All loans that were on my credit in XXXX were paid off after a payment settlement with the department of education, balance which was reimbursed to me a few months ago. Since the approval of my application I have been contacting the department of education, the different credit reporting agencies and the original loan provider ( XXXX XXXX ) attempting to have this loan accounts and negative, derogatory and inaccurate information from my credit reports. I have called each of the above places several times but each place deny being the people reporting this information. I can not find the company or department responsible for this information being on my file. I have disputed these items numerous times and they always remain on my credit and after I call all parties involved to see who is reporting this incorrect information attempting to have it removed all parties give me the same answer.. that they are not the ones reporting this information.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-16
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. (SC)

This is my 7th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2021 XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2400.00}
Consumer complaint received 2021-10-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hello, My name is XXXX, I could not pay my credit card debt from Capital One Bank due to financial difficulties. So, I called directly to Capitalone Bank. After my phone call with the bank, I accepted the 80 % discount offer on XX/XX/2021. I gave my bank details to the CapitalOne Bank official, and he made an automatic payment plan on the XXXX of every month. 
I restructured my debt in three installments. For an unknown reason, another collection company called me about this balance, and they asked me for the total amount of the debt. I didn't understand the situation either. I started doing research. I saw that the first two installments were withdrawn from my account on XX/XX/2021 and XX/XX/2021, but the last installment was not withdrawn. I continued researching to understand why. First, I checked my bank account to see if I had any balance problems on the withdrawal date of the last installment. I have seen I have enough balance on XX/XX/2021. Then I called CapitalOne bank and reached the relevant department. I explained the problem. They gave me a number and said to call this unit. I called that number, but they gave me the number of the Collection company that called me before. I called again and explained the situation to Capital one bank 's representative. 
She said to me ; you did cancel the payment of the last installment. That's why you lost the discount given to you. You have to pay full debt, he said. I said I didn't do anything like that. I don't have access to any account to make such a cancellation anyway. I don't have an account number. I did not give any cancelation permission to my own bank. I said, how could this be? In response, they told me you canceled via email. No, I didn't do anything like that to them. I said, why would I do that? I asked if you could show me proof that I made this cancellation. The representative said, we don't have access to your account at the moment. He said to contact the collection company. 
I object to this situation, but I can't get any information. 
I want proof ; they don't show it. 
I ask when I did it, and I get no information. 
Well, if I made such cancellation, I ask why you did not send me a notification by e-mail or regular mail, no answer. 
Two of the three payments were withdrawn from my account on time, and I allegedly canceled the last installment by email. 

I could not do such a thing, and I do not accept this situation. There is something malicious here. It's cheating, in my opinion. This is a game that the bank has made, I object to it. 
I want your help on this. 

My Information : Name : XXXX XXXX Phone : XXXX XXXX XXXX and XXXX XXXX XXXX Email XXXX XXXX CapitalOne Bank Phone : XXXX Collection company Info : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2023-07-24
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. (LA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-02
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: R.M. Galicia, Inc. (CA)

The company forwarded my medical information to a collection agency without my consent violating my rights under HIPPA. They also submitted inaccurate information and when asking for validation, I dont get the proper documentation and it is being listed on my credit by providing hand created documentation. The collection agency that they are using is very aggressive. At the time of me being seen, I was qualified for assistance with my medical bill and submitted all necessary documentation and I was covered.
Consumer complaint received 2021-10-18
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: EQUIFAX, INC. (FL)

I just check my credit through XXXX 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, Equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the Equifax breach. I have attached the identity theft report along with my social and drivers license.
Consumer complaint received 2022-01-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

It's been 121 days and no response from the credit bureau. The letter is attached of what I sent. 

Also, I was denied a home loan because no records can not be located with the account numbers that is being reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Account # XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Account # XXXX
Consumer complaint received 2022-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (SC)

XXXX XXXX XXXX American Express Card and American Express has a promotion program " Earn XXXX XXXX XXXX XXXX XXXX XXXX XXXX  after you spend $ XXXX, $ XXXX, $ XXXX and $ XXXX. With a combination of XXXX XXXX XXXX and card spending members are rewarded with XXXX  status of Silver, Gold, Platinum, or Diamond status. 

On XX/XX/XXXX, AMEX forwarded My rewards XXXX to XXXX. XXXX failed to apply the rewards until XX/XX/XXXX, after XXXX XXXX. only to take those XXXX XXXX at midnight - I believe this is a pattern and practice of XXXX and AMEX to defraud customers of the XXXX  and status. 

I contact XXXX on XX/XX/XXXX, XXXX, XXXX, and XXXX of XXXX. During these calls, XXXX acted as though they had not received the information from AMEX. I then called AMEX several times. AMEX assured me the information was forwarded to XXXX. 

I believe XXXX and AMEX have a pattern and practice to defraud, provide false advertisement, and breach of contracts to its customers by delaying the arrival of points and promotions. 

By delaying the arrival of the XXXX at the end of the year cause me to have to start over with " XXXX '' XXXX. I was only XXXX points away from Platinum status and would have received it cause of the two flights that I had planned. 

I am hereby requesting an investigation into the pattern and practice of both AMEX and XXXX XXXX XXXX 's handling of promotions and rewards. 

I was told by XXXX I was not eligible for " my own points XXXX XXXX but could " gift '' them to someone else ''. This is Fraud, False Advertisement, and Deception
Consumer complaint received 2022-01-02
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. (CA)

Reviewed my credit report in XX/XX/2021, I noticed these accounts are still being reported inaccurately. I have sent correspondence disputing this inaccurate information on XX/XX/2021, and XX/XX/2021. I HAVE REPORTED TO EXPERIAN THAT PER THE FAIR CREDIT REPORTING ACT, XXXX XXXX HAS FAILED TO PROVIDE ME WITH A COPY OF ANY VIABLE EVIDENCE, BEARING MY LIVE SIGNATURE. I have never done business with XXXX XXXX, nor have I signed any contracts with this company. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a Consumer 's Credit Report. I am requesting XXXX XXXX delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX and XXXX directing them to REMOVE this erroneous entry as well. 

XXXX XXXX XXXX XXXX XXXX. XXXX VA. XXXX XXXX {$1500.00} Acct no. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX VA. XXXX Balance {$1600.00} Acct no. XXXX
Consumer complaint received 2022-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO RC was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was a computer generated response regarding my Re-Investigation. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021, verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law
Consumer complaint received 2022-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc (TX)

KLS FINANCIAL SERVICES was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was portions of what I requested. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021, verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law.
Consumer complaint received 2022-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I received an e-mail from Citibank on XX/XX/2021, that indicated : Your Citi account ( s ) will automatically close within 60 days Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your Access Account account, we found that you have violated the terms of your account per the client manual. I called Citibank on XX/XX/2021, and asked why my account was closed. The Citibank account supervisor from the Client Relation Unit indicated XXXX XXXX said the personal check deposited into my Citibank checking account was reported as a stolen check and Im a XXXX XXXX. I then called XXXX XXXX. XXXX XXXX indicated Citibanks position is incorrect. XXXX XXXX confirmed they honored the check ; I have sufficient funds ; the check is not stolen ; my checking account ending in XXXX is open and in good standing. I then conferenced call XXXX XXXX and Citibank at the same time. Citibank said they would research further and if my personal check is good and not stolen, they will NOT close my account. XXXX XXXX will mail me an account verification letter on their letterhead proving my account is open with sufficient funds. I am very upset with Citibank closing my checking account due to no fault of my own during a deadly pandemic when I need access to my money. I plan on retaining a consumer law attorney to file suit against Citibank. I look forward to arbitrating this matter. Criminal and civil claims will be pursued.
Consumer complaint received 2022-01-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (MI)

I use Square to receive payments for my candle business. Square sent a payment to a old account with XXXX XXXX ( closed XXXX ) instead of my current account which Square already have on file. I dont understand why this happened, I previously received payments to my newer account. I reached out to XXXX XXXX, customer rep advised being that my acct was closed, they sent the funds back to Square XX/XX/XXXX. Ive emailed Square several times, its been over 130 days and I have not received my funds. If a customer acct is closed with Square, they will not communicate via live customer service, instead they give you a code thru chat online, you must enter the code only to be told your acct is closed. {$63.00} is owed to me since XX/XX/XXXX, please help.
Consumer complaint received 2022-01-03
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. (MS)

I recently disputed the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the CRA Experian. Experian verified these accounts and sent me my results via email, which I did not ask them to. I requested method of procedure in regards to the XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX accounts. As of XX/XX/2022, I have not received those results. Experian opened up another dispute instead of sending the requested information. There is no indication of dispute comment noted on any of these accounts as of XX/XX/2022. Experian has violated my consumer rights. Experian has violated 1681c ( f ) and 1681i ( 6 ) ( B ) ( iii ) of the FCRA.
Consumer complaint received 2022-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (AL)

Regions Bank sent me an email about a promotion they were offering due to the coin shortage impacting the US. They were waiving fees for loose coin bought to the branch to sort and count it. On XX/XX/XXXX I took a bag full of loose coin for deposit. I dont know the total but estimate its about {$150.00}. I signed a form and provided my deposit slip and was told by the teller I would see a deposit with 1-2 weeks after the bag is sent to the main vault. After waiting and seeing no deposit, I contacted the branch by phone on XX/XX/XXXX. They opened an investigation. I never heard back. I visited the branch on XX/XX/XXXX and was told they do not know what happened. There were no notes on the ticket opened for the investigation. I was told to wait until Monday XXXX to follow up again. There seems to be no sense of urgency locating my money and making the deposit.
Consumer complaint received 2022-01-01
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. (CA)

I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer and sent the same information to XXXX, XXXX and Transunion. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX XXXX XXXX is still reporting this fraudulent information to my XXXX and Transunion Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.