davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
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. (MD)

This is my 9th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-03-05
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. (DE)

Submitted a complaint to credit Karma regarding account. This has not been reported as the bank account associate with XXXX XXXX stores has filed bankruptcy. There has been calls as many as XXXX times in XXXX day, and back to back recalls from the bank, Requested contact via mail yet calls continued. Dispute was completed for credit report. Information was successful removed. It is now reporting with different date of opening account,
Consumer complaint received 2023-08-25
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group (MO)

on XX/XX/25 at XXXX XXXX XXXXXXXX, Superlatives RM called my father and requested my phone number. That is solicitation and harassment. They are attacking my family members for a debt I do not owe. XXXX XXXX XXXX has not proven I owed a debt to them. They tried sending a person to an address I do not live at. Now they are trying to find out where my parents live.
Consumer complaint received 2017-05-10
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: EQUIFAX, INC. (NC)

According to   XXXX   and Equifax, I have an account with a collections company named  XXXX   XXXX   XXXX . I have requested validation from  XXXX   XXXX  since  XXXX  of    2015  with no response or validation that I owe a debt, so I s ent two  certified letters to both   XXXX   and Equifax in  XXXX     2015  and not only have they never responded back to me, but they never verified the debt that they alleged that I owe. Also, the collection has been removed 5 times on both credit files and were put back within 5 days with no notice sent to me as to why -- -that is a violation and subject to fines according to the FDCPA. If the alleged collection account can not be validated as mine showing that I had a contractual signed agreement to pay  XXXX   XXXX   XXXX  then it needs to be removed off my reports permanently.
Consumer complaint received 2023-04-26
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 recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated XXXX 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Consumer complaint received 2023-08-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (MA)

I contacted the Blackhawk Network company regarding a {$200.00} Visa gift card that I purchased. 

The company an be contacted at XXXX XXXX XXXX, XXXX XXXX, XXXX NV XXXX. 

I attempted to use the card and was told that it had been drained, and has no value. 

The card was purchased thru the mail, and and has not left my home or possession. I assume that the card information was as a result on a fraud on the Blackhawk Network. 

I informed the company of this and they have not responded, after 1 month.
Consumer complaint received 2023-04-03
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. (FL)

I did not Authorize, consent or benefit from any of the following accounts and inquiries : Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX The following accounts have Inaccurate reporting. 
Account Name : XXXX XXXX XXXXXXXX Account number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Dear Sir/Madam, I am writing to express my strong dissatisfaction with the permanent limitation that has been placed on my PayPal account XXXX under the email address Dear Sir/Madam, I am writing to express my strong dissatisfaction with the permanent limitation that has been placed on my PayPal account, under the email address XXXX. I believe that this limitation has been imposed by mistake, as I have not violated any PayPal policy. 

I am a long-time PayPal user and have always conducted my transactions in a professional and ethical manner. I have never engaged in any fraudulent or illegal activities, nor have I violated any of PayPal 's policies. Therefore, I am deeply troubled by the fact that my account has been permanently limited. 

I kindly request that PayPal re-investigate my case and consider restoring my account if possible. I believe that a mistake has been made and that my account should not have been permanently limited in the first place. I would greatly appreciate any efforts that PayPal can make to resolve this matter in a fair and just manner. 

In conclusion, I would like to reiterate my request for PayPal to re-investigate my case and restore my account if possible. I value my relationship with PayPal and I hope that this matter can be resolved in a timely and satisfactory manner. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ]. I believe that this limitation has been imposed by mistake, as I have not violated any PayPal policy. 

I am a long-time PayPal user and have always conducted my transactions in a professional and ethical manner. I have never engaged in any fraudulent or illegal activities, nor have I violated any of PayPal 's policies. Therefore, I am deeply troubled by the fact that my account has been permanently limited. 

I kindly request that PayPal re-investigate my case and consider restoring my account if possible. I believe that a mistake has been made and that my account should not have been permanently limited in the first place. I would greatly appreciate any efforts that PayPal can make to resolve this matter in a fair and just manner. 

In conclusion, I would like to reiterate my request for PayPal to re-investigate my case and restore my account if possible. I value my relationship with PayPal and I hope that this matter can be resolved in a timely and satisfactory manner. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

Citi bank is charging me for a Credit Protector fee, without my consent. I did not want or authorize this optional debt protection program. I wil l like it to be removed and a credit applied to m y Citi Cred it Card. The reference number is  XXXX .     Thanks in advance.      XXXX   XXXX
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear XXXX, I am writing to dispute the reporting of child support account # OAG ID XXXX on my credit report. I am XXXX XXXX, and I have reviewed my credit report and found that the reporting of this account is inaccurate and is negatively impacting my creditworthiness. 

I understand the importance of paying child support and fulfilling my obligations as a parent. However, I have fulfilled my obligations in a timely and responsible manner. I have never been delinquent on any child support payments, and there is no reason for this account to be reported as negative. 

The inaccurate reporting of this account is affecting my ability to obtain a home. I have applied for a mortgage, and my application was denied due to the negative reporting of this account. I am concerned that this inaccurate reporting will continue to impact my ability to obtain credit and loans in the future. 

Therefore, I request that you remove child support account # OAG ID XXXX from my credit report. I have attached documentation that supports my claim of accuracy, and I kindly ask that you review this information and take appropriate action to remove this account from my credit report. 

Thank you for your prompt attention to this matter. Please let me know if you require any further information from me. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (KY)

In XXXX we got corrected bills due to a property tax exemption. We immediately sent the corrected bills to the loan servicer, Mr. Cooper. In XXXX when property taxes came due they paid the old amounts. We contacted them as soon as the payment came out stating that they paid the incorrect amounts. We contacted our local tax offices and they stated that a refund had been sent on XX/XX/2022. For the city tax {$53.00} was refunded to our servicer and for the XXXX XXXX XXXX tax a refund {$310.00} was refunded. According to Mr. Cooper no refund was ever sent for those accounts. We have contacted them multiple times and submitted 3 cases with all of the documents provided to us. We are just wanting the money refunded to our escrow.
Consumer complaint received 2023-08-25
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. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

A man called from the bank of america number on XX/XX/ at XXXX. He told me he was with the fraud department and was confirming a transfer through XXXX. I told him no I was not transferring money. He told me he would walk me through the steps to dispute the transaction. He asked me to log into my account and see if the money came out yet. I told him no. He said good and we would file a dispute. I asked shouldn't I wait to see if it even comes out since I'm telling him you now that I'm not authorizing it? He told me it was pending on his end so it would go through if we didnt file a claim. He has me add myself as a recipient and send 2 amounts. 1 for {$3100.00} and one for {$340.00} to the " case number '' that he assigned. XXXX He sais the case number is attached to the amounts and it would flag if it tried to go through. The money was immediately gone from my account. He said that in 24hrs it would be back and that he would call me to help me change my name and password. He said he locked my online account and that I had to wait 24hrs to use it. I hung up and felt odd about it so I called the bank. I asked if this is the right process and they said no its a scam and filed a real fraud claim .They said I might not get my money back cause it was " authorized '' by me.
Consumer complaint received 2023-04-26
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. (NY)

in accordance. with fair credit reporting act XXXX account # 15 USC 1681Section 602 States I have right to privacy 15 USC 1681 604 A Section 2 : it also states a. consumer reporting agency can not furnish my account with out written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as for a late payment
Consumer complaint received 2023-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Meridian Financial Services, Inc. (NE)

This company XXXX XXXX XXXX phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX and XXXX XXXX XXXX XXXX XXXX XXXX selling us a vacation package in which they withdraw XXXX from my credit card, selling XXXX nights of vacation and they give us a free week vacation if we pay the half of the vacation but when we call for use the free week or starts using some of the night they ask for more money and start to give us different roads and I'm cancel everything they say they take the XXXX to cover all the expenses and the will give us some free night again to compensate for the money they don't want to give back they ask for, more money so they can close the account and don't ask for any free night anymore I'm ok they can keep the XXXX plus extras I try to comply so they still came to ask for more money need help, please I got emails in Spanish prove all the conversation I got with them
Consumer complaint received 2023-04-03
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. (VA)

This is a notice of liability for criminal activity that the third party interlopers are using my data for pecuniary purposes. I have not supplied proof under The doctrine of Estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I presume that no proof of the alleged debt nor therefore any such debts exist in fact. In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978. These entities also violated 15 U.S. Code 1602 ( p ) and violated 18 USC 894. Whereas these debt collectors : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, etc. have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. I did not authorize any third party to contact me via email, phone, or US mail. All presentments by unnamed writers are in violation of 18 USC 1341. By using my likeness ( Trade name ) to coerce me into a scheme to extract government obligations XXXX XXXX XXXX. Names reported : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Reporting alleged late payments in violation 15 U.S. Code 1666b ( a ). All entities reporting themselves as CREDITORS in violation of 18 USC 914. Whereas these Foreign entities have not produced the contract pursuant to 31 USC 3718 to collect 18 USC obligation or other security of the United States.
Consumer complaint received 2023-04-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

Collections Item : Fair Collections and Outsourcing. 
After speaking with this company several times about this account. They provided information that is not accurate and someone had used relative information to open this account. The phone number or DOB do not match. The dates do not match. This company stated that this needs to be paid without verifying any information with me. 
This account is not mine., They stated if I made a payment they would not update the balance or remove from my report. This is against the FCRA act. They have the incorrect license number incorrect address and invalid supporting evidence. I cooperated with this company in resolution but they are not willing to assist at all. 

After speaking with XXXX XXXX XXXX he stated they would sue me and my credit would be damaged no matter what. He said even if I pay they would not update the balance or remove this from my credit. 

After speaking with another Manager XXXX XXXX, she stated that I need to settle this account and file a dispute with the credit bureaus. 


Spoke to XXXX XXXX - XXXX at XXXX Spoke to XXXX XXXX - XXXX at XXXX After the submitting company having no phone number to contact, I have contacted XXXX Several times to have this issue rectified. 

I have contacted the Managing XXXX XXXX XXXX at XXXX several times with no response.
Consumer complaint received 2023-04-03
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. (NC)

this is my name and my address that need to be on my credit report social seurity number XXXX XXXX XXXX / XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/ XXXX/ this need to be on all credit reporting agencies
Consumer complaint received 2023-04-03
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. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX Balance : {$1800.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX {$63000.00}
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

accordance with the Fair Credit Reporting act 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 2023-04-03
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. (NV)

I want to inform the EQUIFAX Credit Bureau AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove UNAUTHORIZED INQUIRY from my credit file resulting in alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) EQUIFAX CREDIT BUREAUS is required to REMOVE any INQUIRY listed in Identity Theft. Once again HERE IS THE LIST OF INQUIRY THAT I WANTED TO REMOVE! 
XXXX XX/XX/2022 ;