davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was victim of identity theft in XXXX of XXXX, due to a security breach at work so we were provide with internet and credit monitoring. the perpetrators that got a hold of my info started making charges to my various accounts opening up accounts and making fraudulent charges at XXXX XXXX, XXXX, XXXX, XXXX bank, XXXX bank and so on. They even tried or change my address to receive the credit cards to their homes. XXXX with out my authorization or consent. 

I place a freeze on my credit in about XXXX of XXXX. 
but now I'm still getting notifications and collection notices from XXXX XXXX XXXX XXXX / XXXX Bank XXXX XXXX charges were made in XX/XX/XXXX. After the freeze order was placed through Transunion, XXXX, XXXX. 

I did open an account to finance a new heat and air system for my home but we payed that amount in full {$10000.00}. Banking check # XXXX Back in XX/XX/XXXX and it cleared on XX/XX/XXXX According to my bank statement.But those charges of {$9400.00} We done on different account number. I ' have been sending them proof that Idid not authorized the opening of new accounts. 

I currently disputing these charges.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Village Capital & Investment LLC (NJ)

Unfortunately, I contracted XXXX twice. I subsequently lost my job, my wife also was XXXX. I contacted the company to make arrangements for deferment or modification. I was denied by the company. I was denied protection given under law by the CARES Act. 

Under the CARES Act, stating " XXXX XXXX, acting director of the Consumer Financial Protection Bureau ( CFPB ), recently stated that the bureau is taking much-needed action to protect consumers, particularly the most economically vulnerable. [ 1 ] As part of this new focus, the CFPB will take aggressive action to ensure that regulated companies follow the law and meet their obligations to assist consumers during the COVID-19 pandemic. [ 2 ] As such, the case for CARES Act examination preparation is stronger than ever. ''
Consumer complaint received 2022-06-07
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. (IL)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX IL XXXX, Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-10
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. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2023-06-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (NY)

Western Union " has '' a " rewards '' program. The problem is they don't let you redeem your rewards. Either the screens in that area of their website freeze, or they let you check off which reward you want, and say it will be automatically credited to your next transaction, and then they simple do not do that. It works less than XXXX percent of the time in my experience. 
They reason, I suppose, that if it takes the customer a half hour plus to claim a {$5.00} reward that they simply won't bother. There is no reason they can't simply have the rewards program partially integrated into their regular screens, for example " You have qualified for a {$2.00} transaction credit, would you like to use it now, or would like to pay the regular transaction fee and continue to accrue points toward a larger/different reward? '' For example, XXXX well integrates the claiming of rewards when you use their branded credit card, letting you know how much of a reward you have earned and letting you use a simple checkoff box to apply it to any current purchase. 
This morning after waiting a few minutes with " MY WU '' screen symbol continuing to rotate when I tried to log in to the rewards page ( after being logging in to Western Union anyway ), I logged off and on again, and then selected a {$5.00} reward which it then said would be AUTOMATICALLY credited to my next transaction. However, when I then entered my transaction, I got no credit. Usually I stop trying after a few minutes of the screen symbol rotating ( seems more prevalent on XXXX than XXXX ) so I don't usually get as far as them saying they will apply a reward. This was the first time in a while that I was actually able to claim a reward ( maybe five attempts last time and today which all failed by their screen stopping processing ), and then they simply didn't follow through as the screen said, and did not credit it to my next ( immediately therafter ) transaction. Assuming this happens to thousands of people ( not just me, but all active account holders ) each day, they are pocketing thousands of extra consumer dollars a day, maybe into the millions.
Consumer complaint received 2022-01-10
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)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (AZ)

I have disputed specifically with Experian because this issue is only with Experian. Creditors are responsible for correctly reporting information to the credit bureaus. After having my information looked over by a lawyer and looking through the credit reporting laws myself, I want to make sure the closed account under XXXX gets taken off my Experian credit report. This is important because it has had an impact on my everyday health and wellness. I know Experian didnt check it because I asked Experian to send me the information, they used to investigate that the account is accurate. I asked them to send me the documents they used to verify this information and I still have not received any. So, I dont believe Experian investigated my account dispute deeply. FDCPA Section 809. Validation of debts [ 15 USC 1692g ] states that this information is supposed to be given in under five days. If written notice is not sent within this 5-day period, then Experian is in violation of the FDCPA.

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 # 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 instructions15 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 .
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (AL)

I contacted Experian, XXXX XXXX, XXXX XXXX, via phone, secured email and via letters. All of the companies that I have listed will not respond to my request to remove inquiries in which no credit was given or account is made. They have not responded to my request to my rights of privacy of balances, history and installments. They have not notified me about any of my rights. All of the bureaus and companies that I have listed have expressed that they will not do harm to the consumers yet they violate us repeatedly by misusing our information for financial gain for themselves. 

XXXX XXXX sent me a letter months ago with a code that did not work after I requested that I have a copy of my consumer file. I was told that my credit profile was frozen but it does not look that way. 
XXXX has solicited my info to multiple sources. I froze my profile with them to but they have been furnishing my information directly and indirectly.
Consumer complaint received 2022-06-06
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. ()

n accordance with the Fair Credit Reporting act XXXX Account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # 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 a account without my written instructions
Consumer complaint received 2024-03-22
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)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-06-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account #, 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 a account without my written instructions
Consumer complaint received 2024-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (NY)

Hi, I have a vehicle loan through Ford Credit, account # XXXX. 

I put up my XXXX payment from the wrong bank. This bank account is not active and should have been deleted from my profile. 

Realizing the mistake when I got an NSF notice, I tried to cancel the payment and put up the correct payment details on the Ford Credit website. 

I was unable to cancel the XX/XX/XXXX payment. 

So I called several times this morning and was told repeatedly that the system will just automatically submit repeat ACH withdrawals until it pulls. 

This is problematic because now Ford 's computer system is just going to keep generating NSF fees indefinitely, and Ford is saying they can not stop it. 

I find this ridiculous and informed Ford that I am revoking authorization for that account, and that account has been deleted from my profile. Any further debit attempts from this account by Ford will constitute Fraud, as they do not have authorization to make any debits from this account. 

I was hung up on several times when I asked for a supervisor or manager so I'm escalating this to the CFPB I would note my payment is not due for another week so this should not affect anything at all
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Accounts names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-05
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. (WY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions. 

154 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 my 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 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I called Bank of America on XX/XX/XXXX to make payoff of loan. Spoke with customer service who provided me with a pay off of {$9100.00}. Now the bank states I owe them {$110.00}. 
Starting XX/XX/XXXX my balance was XXXX my interest per day was at {$5.00} per day. 
XX/XX/XXXX payment of {$380.00} bringing my balance to {$18000.00}. 
XX/XX/XXXX payment of {$10000.00} on principle bring my balance down to {$8900.00} and my % to {$2.00} per day. 
XX/XX/XXXX payment of {$9100.00}. giving me at credit of {$110.00}. 
Now from XX/XX/XXXX - XX/XX/XXXX there where 35 days @ {$2.00} per day= {$80.00} interest from XXXX. 
Also BofA states I got a NSF of {$25.00} Total {$100.00}. 
Being I had a credit of {$110.00} - {$80.00} int % - {$25.00} NSF fee= {$5.00} Credit. 
Bank of America state I owe them {$110.00}. Which is incorrect based on all the numbers I was given on a recorded line with XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX  till XXXX.
Consumer complaint received 2016-07-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I applied for a Citigold bank account in response to an invitation from Citibank, offering me XXXX XXXX XXXX bonus miles within 90 days of completing XXXX banking activities within 60 days of account opening ( 1 bill payment for 2 months + spending {$1000.00} on the Citi debit card ). I completed the promotion terms in XX/XX/XXXX, and received confirmation from a Citi phone banking representatives that the bonus miles should post " shortly '', but maximum within 90 days, so maximum by XX/XX/XXXX. It is now XX/XX/XXXX, and I have called Citibank multiple times to enquire about the status, and I keep being told that it should come through " soon '' and that they are backed up on addressing such queries. At this point, Citibank is flat out in violation of the commitment they made to me in the offer, and have not made a reasonable effort to remedy the situation.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I advised the credit agencies that my personal information should be reviewed & corrected. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESSES DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX typeApartment XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, TX XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DO NOT BELONG TO ME XXXX NAME VARIATIONS DO NOT XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EVEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX