davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A recent XXXX initiative was launched XX/XX/XXXX regarding how credit agencies report and/or verify information placed on credit reports. In my case a XXXX XXXX XXXX currently on my TransUnion credit report. After hearing about these changes i called TransUnion on XX/XX/XXXX about how this would impact me directly. The lady i spoke with outlined the recent changes to include " a new standard of minimum requirements '' for public records, such as tax liens or bankruptcies. She stated if a reported lien did not include " ( 1 ) Name, ( 2 ) address, and ( 3 ) full social security number and/or date of birth '' then it would be removed from my credit report. I let her know that i had already in fact received a copy of the official XXXX from ***XXXX XXXX XXXX XXXX , XXXX XXXX , Florida*** and was able to confirm it did not have the SSN or DOB present. The XXXX XXXX also confirmed the last time anyone requested confirmation of the XXXX was XX/XX/XXXX ( the new XXXX also states regular 90 day check-ups are required ). With confirmation from TransUnion and the Court i submitted my dispute. 2 Days later TransUnion stated it was verified and would remain, even though they directly confirmed it would be removed. I do n't understand why they provided me all the information on the new standards, i confirm my information does NOT meet the standard, submit the request satisfying all the requirements and then they say " its verified '' and will remain. ( I had called XXXX the same day I called TransUnion and after faxing the official copy they also removed the XXXX from that report for this  very same XXXX requirement ). Can someone please contact TransUnion to have my report corrected and follow the guidelines they stated they were using? I need help with this ... Thank You ( i 've also attached an official copy of the lien document from the circuit court supporting my complaint and dispute. I also attached a copy of my SSN and FL DL verifying my identity -- please do n't publish that document )
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I contacted Equifax on XXXX XXXX, 2017 regarding an expired account ( XXXX XXXX XXXX ) still being reported on my Equifax Credit Report. I asked when the account was scheduled to fall off my report. The customer service agent reported that XXXX XXXX XXXX reported the account on XXXX XXXX, 2017 and that it would come off my report in 10 years. All of this information is incorrect but I was not able to convince this person otherwise. He instead insisted that I sign up for monthly credit monitoring through Equifax. This service must be paid for. Reference Confirmation # XXXX.
Consumer complaint received 2017-08-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: TD BANK US HOLDING COMPANY (NJ)

Re XXXX File No. XXXX The above referenced firm XXXX XXXX XXXX XXXX XXXX falsely filed a court judgement against me in XXXX of 2014. Rather than fight the matter further in court, I agreed to a repayment plan effective XXXX XXXX, XXXX. Payments have been made faithfully since that date on amonthly basis, and in some cases two months payments were made. It appears that these payments may have been recorded incorrectly prompting the firm to send me a certified letter ( attached ) indicating that a Notice for Execution Against Wages, which could have possibly resulted in the  termination of my employment. Given the gravity of these implications, I felt my XXXX XXXX XXXX and began to immediately XXXX XXXX XXXX. I was able to gather myself to call XXXX and review my payment history with them to which a XXXX . XXXX XXXX was very kind and attempted to calm me down, and told me I had nothing to worry about, then proceeded to force me into a new agreement that would double my monthly payment. I also reiterated that none of this would have happened if they set the account up on an auto deduct from my bank account, however, they said that this could not be done. The matter was unintentionally made worse each time XXXX XXXX referenced a judgement that was still unresolved. At this point the damage that this very threatening letter was already done. I will be heading to a clinic now to have my XXXX XXXX checked or to determine if I need to go to an emergency room.
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. ()

Requested reports by clicking on annualcreditreport.com on Washington State Attorney General 's credit site. Requested report on annualcreditreport.com. Requested XXXX report. Made possible error. Did not select XXXX XXXX XXXX as my bank because as far as I know my bank is XXXX XXXX XXXX without the " XXXX ''. Then informed I could not get my report online and I had request a hard copy to be mailed to me. Called XXXX to get a copy. Only options are automated. Ca n't get operator by pressing " 0 ''. At the end of slogging through the data entry and/or voice entry ( half of which apparently could not be understood ), I pressed the wrong number when asked if I was the blind. When asked if I needed a report for the blind I pressed the key for " No ''. No confirmation from them so I am not sure what I will get from them. Next I went back to the annualcreditreport.com website and went to the " Contact Us '' page. No option for a phone call to a human so I requested the " Comment Form ''. Filled out the form saying I was not blind and want the report for people who can see. When the comment was submitted I got a reply saying " thank you for your comment '' so who knows if any action will be taken. I know I am not the only lousy typist out there. Others could easily be caught up in the unhelpful loop. It seems to me that this whole process was set up in a very unhelpful way. It is almost as if they set it up for requests to fail easily. I have seen much better process flows and options for error correction. Thank you. P.S. This was all online or by telephone so I have no documents.
Consumer complaint received 2017-08-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CA)

1. Have contacted my children and brother for the said credit card debt 2. Have been harassing me through non-stop several phone calls multiple times a day 3.Lie about the amount I am owing 4. Threatened me with law suit.
I have asked them for the details of the said debt. This said debt is over five years old. I even offered to pay $ XXXX/month until the debt is retired.
Consumer complaint received 2017-08-07
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: EQUIFAX, INC. (FL)

1. Unauthorized inquiries on my credit report on Equifax, XXXX, and XXXX. I can only provide images of Equifax, and XXXX  inquiries.
2. Remove any address on file other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3. Remove any other social security numbers that is associated with my credit file other than XXXX 4. Remove XXXX XXXX XXXX XXXX off of my credit report for jobs. Remove any salaries and please update all correct information.
5. Remove any other names other than XXXX XXXX Please update 6. Correct all of the errors
Consumer complaint received 2017-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (TX)

Rent debt Automated Collections is currently reporting on a debt, in the amount of {$4100.00}, to the credit bureaus. This is inaccurate. The debt has been verified and it belongs to XXXX XXXX. Rent debt Automated does not own the debt. I have a contract with XXXX XXXX not Rent debt automated.
Consumer complaint received 2017-08-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (DC)

I purchased a {$200.00} prepaid XXXX gift card from XXXX XXXX and XXXX. I tried to use the card a month later and found out that somebody else had used the card ( stolen ). I immediately called customer care and sent in required information to have the card replaced. I have since obtained a new gift card in my name and while waiting close to a month to have the three fraudulent charges disputed, I have been sending more than 3 faxes and just today I was told that whoever put in the dispute form mistakenly put in Washington State instead of XXXX XXXX ( where I live ). They just told me that I have to start the procedure all over again because it was an error that they have made. I can clearly see that the fax I had sent in has the correct address with XXXX in the state. I simply wish for the stolen money to be returned back to the card.
Consumer complaint received 2017-08-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CURO Intermediate Holdings (TX)

I filed a dispute regarding transactions made on my opt plus account, which I noticed on XXXX/XXXX/17, at that time I called the automated service to cancel my card and immediately an {$8.00} replacement card fee was applied. When I looked at the transactions on XXXX/XXXX/17 it no longer stated XXXX/XXXX/17, they stated XXXX/XXXX/17, which is not what was seen originally. I faxed the dispute letter XXXX/XXXX/17 and I was told XXXX/XXXX/17 it was closed and nothing further would be done.
( Exhibit 1 ) Those transactions are in the amounts of : {$200.00} ( XXXX XXXX- XXXX  TX ) * {$200.00} ( XXXX XXXX XXXX TX ) * {$83.00} ( XXXX XXXX- XXXX TX ) * My card was only out of my possession when I paid the waiter at XXXX XXXX, at the XXXX XXXX in XXXX, TX on XXXX/XXXX/17 .
The transaction with an * next to them above, also has an * on the transaction statements on the myoptplus website. This is something that has never been on any other transactions which leads me to believe it shows that something is different than normal transactions.
The last 5 transactions I made were all on XXXX/XXXX/17 and are listed below.
XXXX XXXX XXXX  XXXX, TX {$100.00} XXXX XXXX XXXX XXXX, TX {$28.00} XXXX XXXX XXXX XXXX, TX {$59.00} XXXX XXXX XXXX, TX {$9.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX {$82.00} I have been an OptPlus direct deposit customer for several years and have not had any disputes. I was advised on XXXX/XXXX/17 that my dispute was closed and it is believed to be regular transactions made by me. However, I know I did not make the transactions shown above. I was told to file a police report but no one can tell me where the transactions were made, who they were made to or any other identifying information, such as a phone number. I have no information to file a police report.
Consumer complaint received 2017-08-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I was informed on XX/XX/XXXX that I need to start paying my loan immediately since I 'm well beyond in-school deferment limits. There is a 48month cap. I told them multiple times that this information does n't exist online or is on my promissory note. They forced me to pay a {$150.00} fee to get my loans in order. Called again the next day asking for more information about this policy. Later informed by rep that theyll be mailing this out. I started school at the first college in  XX/XX/XXXX and I should have been informed of this policy in  XX/XX/XXXX . I 've receieved no information about this policy until now. This deferment cap seems really out of place since it was n't mentioned by the financial aid advisor at the time, on the promissory note or anywhere on their website.
Consumer complaint received 2017-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

I would like to note that reaging of the account as occurred. That it has switch collection agencies multiple times. I have documentation from XXXX stating that it was so sent to collections in error, yet this debt keeps being resold and I would like it permanently removed from all credit bureau reporting.
Consumer complaint received 2017-08-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC (CA)

1. Have contacted my children and brother for the said credit card debt 2. Have been harassing me through non-stop several phone calls multiple times a day 3.Lie about the amount I am owing 4. Threatened me with law suit.
I have asked them for the details of the said debt. This said debt is over five years old. I even offered to pay $ XXXX/month until the debt is retired.
Consumer complaint received 2017-08-07
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. (CA)

XXXX credit card is reporting that I was 30 days late as of XXXX 2017, but I have a statement from XXXX doesnt show that
Consumer complaint received 2017-08-04
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. (IL)

Under the new law effective XXXX XXXX 2017 any public record data must include Name, Address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated information per the new law. The bankruptcy XXXX listed does not include this information and should be deleted
Consumer complaint received 2017-08-04
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: JPMORGAN CHASE & CO. (WI)

XXXX account number XXXX. I did purchase 2 gift cards for total of {$1000.00}. They were not loaded and the merchant refused to take them back. Chase " resolved '' my dispute by stating since I did purchase the gift cards I must pay for them. Buy if they do n't have any funds, whats the point to purchase gift cards??? XXXX XXXX
Consumer complaint received 2017-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (FL)

I 'm disputing the following debt with AFNI a collection agency in the about of {$310.00}, from XXXX. I 've contacted AFNI and was sent a bill. Well the bill is n't my bill and is a result of fraud. I have attached fraud paper from the IRS, also the address listed on the bill is n't my address. The bill date that was sent to me from X/XX/12 is from an address in XXXX XXXX Florida. At that time I was living in a total different city my address was XXXX XXXX XXXX XXXX XXXX XXXX Florida.. Again I was a victim of fraud and have a personal identification number for filing my taxes. I also check AFNI for license to collect in Florida after they were give me such a hard time after I told him that this account was fraud they have no license to collect on a date in Florida. Please see attached paper stating AFNI is n't license to collect in the state of Florida.
Consumer complaint received 2017-08-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hi : on XX/XX/XXXX I found what I understand to be a clear mistake on my credit report and called XXXX credit reporting agency that day. I explained that a repossesion was showing up on the credit report, and that the repossesion should not be showing up on the credit report, due to being included in a bankruptcy, describing further that it had not shown up on a XX/XX/XXXX report. ( Bankruptcy dischargedXX/XX/XXXX. I did not pull reports XX/XX/XXXX-XX/XX/XXXX ). I went on to state that as a matter of the bankruptcy, said repossesion was not to be listed on credit reports ; and as evidenced, it had not shown up on the XX/XX/XXXX report. At first the response from the CSR was a type of circular and dismissive explaination, which led nowhere. when I questioned what they were saying, they finally stated directly that I was lying. A similar conversation ensued with XXXX, as there appeares to be the same clear mistake on their report as well. Both of these calls were assumingly routed overseas with horrifically bad connections, making discussing the issue that much more frustrating. The CSR 's came across as articulate, smart, and skilled in decsribing the position of their respective companies, without addressing the issue at hand. It seemed that no attempts were made to question me and act in a problem solving and informative manner. I have to say that TransUnion is the most professional to speak with of the three, but I am uncertain of their documentation. Please note the following : Reposseison of vehicle XX/XX/XXXX. Filed bankruptcy XX/XX/XXXX. Repossesion was included in the banckruptcy. It was the only reason for the banckruptcy. Bacnkruptcy was discharged in XX/XX/XXXX without any problems or issues. I have all banckruptcy documents at home. I am typing this complaint away from home and can not upload or scan at this time. Thank you for taking the time to review this and to advise me of what I can expect, or what I need and can do. XXXX.
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX FOR ANY TYPE OF TITLE LOAN. THE LOAN THAT THEY HAVE BEEN REPORTING, THEY REFUSE TO IDENTIFY THE ORIGINAL CREDIT AND AMOUNT OWED.
Consumer complaint received 2023-04-27
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. (AZ)

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.

Cover Page of Credit Report shows 5 accounts ever late ; no late payments reported on the Credit Report. 

Accounts : XXXX - {$1300.00} ( XXXX XXXX Reported Wrong Amount {$500.00} Deposit Missing - Lease Agreement, Email & Itemized Receipt Attached ) XXXX Funding - {$1000.00} ( Reports To Only TransUnion - Original Collection Amount Shows Inaccurately & Inconsistent ) XXXX XXXX - {$2100.00} ( Reports To XXXX, XXXX - Original Collection Amount Shows Inaccurately & Inconsistent ) XXXX - {$3500.00} ( Reports To XXXX, TransUnion, XXXX - Original Collection Amount Shows Inaccurately & Inconsistent ) 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.

Thank You : First of all thank you for your help, I am getting closer to my goal of owning a home and have a continued commitment of repaying my debt and making payments to creditors on time. I was able to accomplish a lot with working on repairing my credit based on my rights but we have more work to do. 

Success Story : XXXX XXXX XXXX XXXXXXXX ( deleted ), Department of EducationXXXX XXXX late payments removed ), XXXX  XXXX ( paid off/deleted ) Goals : I will continue to increase my credit score, make on time payments to creditors, repay my debt, and purchase a home. Please remove " 4 accounts '' due to inaccuracies and inconsistency in accounts reporting between XXXX, Transunion, XXXX.
Consumer complaint received 2017-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NC)

I wired {$7000.00} to my Coinbase account and it never showed up. The company said they could not complete the wire, even though it originated from the same account linked to my Coinbase account.
To resolve the issue, they said they would reverse the transfer and send it back to my bank account and that I should see it in three business days. The money never showed up. I would like the {$7000.00} returned to my bank account immediately.
Consumer complaint received 2017-08-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I received my first contact about a debt collection in process in XX/XX/XXXX. I immediately disputed with the collection company and the original debtor in writing. As of XX/XX/XXXX I have not received a response from my letters sent in XX/XX/XXXX. This past week I had applied with a rental property to move into a new apartment and I ca n't because this collection was placed on my credit report in XX/XX/XXXX. I had no knowledge of the debt collection nor was I given the opportunity to dispute it, provided any of my rights to dispute, and my XXXX credit score when from XXXX to XXXX from XX/XX/XXXX to XX/XX/XXXX although I have paid down my personal credit cards and have had no late payments ever since XXXX. I pride myself on my credit and paying all credit card and debt obligations in a timely manner. I was also denied a credit card in XX/XX/XXXX and was n't provided the details of this debt collection except that my credit score was too low. This has extremely impacted me in a negative way and I need to have the collection debt removed from all XXXX of the credit bureaus immediately. I have opened separate disputes with them as well. I appreciate your help and any guidance. Thank you.