davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (MI)

My lease is almost up on my truck which is a XXXX XXXX XXXX. I am in the market to lease another vehicle. In doing so the company that I have my current lease with pulled my credit & I was denied because my score was a XXXX from a company that I have never heard of, & that Im sure has completely wrong information. 1 of the main reasons for my score being so low according to them is because of limited history with my phone number. I have 24 credit cards & every card company has my same phone number that Ive had for the last 10 years. The name of the company is SageStream , LLC & not only are they ruining my life, but they are ruining the lives of many others that have similar complaints about them online as well. They Need to be stopped!
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have been working with a mortgage company in XXXX, NC, since XX/XX/year>. At that time they did a " soft pull '' of our credit. Since we haven't purchased a house yet, they require a " soft pull '' of our credit every 120 days from the XXXX credit reporting companies. XXXX and XXXX websites are extremely easy to log into and set up a temporary lift of our credit freezes. TransUnion is a nightmare. We can never get to the site where a freeze can be lifted. The message on their website is, " Sorry, we're having trouble showing the status of your credit freeze right now. '' When I call their XXXX service number I have to provide my full social security number and other information which I don't feel comfortable disclosing to an automated system. TransUnion doesn't provide a Live Chat service anymore. Finally, I was able to speak to a live person, but now we have to go through the whole call system again for my husband 's temporary freeze lift. XXXX and XXXX provide websites that work. Why can't TransUnion?
Consumer complaint received 2024-10-29
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. (MD)

transunion has removed XXXX XXXX XXXX XXXX XXXX XXXX, i do not see that on my credit that it was removed and i also have been logging into my credit report and it will not allow me to dispute nothing online or see my credit and that is illegal, they sent the same proof for XXXX XXXX XXXX XXXX XXXX XXXX, after i asked them to send me the contract of my signature, a apartment complex can not number one sue you for past due without eviction, this debt is also showing as open, after i said to them numerous times it is not my debt, this debt collector is adding interest on this debt as if i agreed to it and signed a contract with them that i owe this, that is also against my rights, i have asked for proof over and over and now i am demanding removal, u have not proven with the document ive attached that this is my debt, a letter from teh debt collector with my name and debt amount does not prove anything, debt collectors and lawyers will do anything to get money and i am not settling for this debt that is not mines.
Consumer complaint received 2023-01-12
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. (HI)

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge.

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested information.
Consumer complaint received 2023-07-29
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. (DE)

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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX of XXXX / XXXX XXXX XXXX XXXX : {$76000.00} The balance reported is inconsistent with the repayment history and conflicts with other reports. This is a violation of both FCRA 1681e and FCRA 1681i. Under 1681e, credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. Additionally, 1681i mandates that agencies investigate and correct or delete inaccurate information within 30 days when consumers dispute the accuracy. Inaccurate loan balances or repayment statuses can have significant negative effects on consumers financial opportunities. 

XXXX. Payment History My payment history should reflect 100 % on-time payments for all accounts, particularly my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any deviations from this record are inaccurate and violate FCRA 1681e, which requires that all reported information be accurate. Additionally, under 15 U.S.C. 1666b, creditors are not allowed to report late payments unless they are at least 30 days past due. Please update the payment history to reflect 100 % on-time payments, as I have never missed any payments on this account. 

Furthermore, the debt has been forgiven due to my school being listed as fraudulent and closed down. I am attaching a letter, stating the debt was forgiven.
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

Contacted representatives of the company via telephone and emails several times inXX/XX/XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane XXXX. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: North Colony Law Group, PC (MA)

This is regarding a credit card ( XXXX  ) debt that originated in 2012. I went through a devastating divorce, and was left with this debt and much more. The original debt was {$7600.00}. It is now up to {$17000.00} with interest fees. At the time of this judgment I was making {$20000.00} a year in my current job, divorced, and had XXXX children under my care. I could not afford to pay the debt, and I still can not afford it. I have made numerous attempts to settle the debt, and I continue to be denied. I am harassed, by XXXX XXXX since the judgement was entered. He was representing XXXX XXXX. He is currently with North Colony Law Firm. I have had my vehicle seized without any communication within a XXXX year period. I have had a lien placed on my mothers property which has since been put on my name to protect her. My mother and I continue to be harassed and threatened for a {$7000.00} debt from 12 years ago. This is made us both physically and emotionally sick and have had to seek XXXX XXXX XXXX  regarding this. I have had XXXX XXXX, and had no means to pay for an old credit card debt. XXXX is now threatening my mother about taking my XXXX XXXX. As of yesterday I have offered {$5000.00} to settle this. This is all that I have in my savings and to my name. He refuses! I need help I can not take this mentally any longer.
Consumer complaint received 2023-03-26
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. (FL)

In 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-11-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I previously had a checking and savings account with Wells Fargo. In the past I have discovered fraudulent charges on my accounts, which I have successfully disputed to Wells Fargo. These charges were for relatively low amounts of money, so I never had an problem with Wells Fargo refunding my money. However, on XX/XX/XXXX I deposited a large check totaling {$12000.00} into my savings account and immediately began suffering from fraudulent ATM withdrawals in much higher amounts, ranging from {$200.00} to as high as {$1500.00} the total amount of fraudulent charges amounts to {$7200.00}. However, I did not learn of these fraudulent charges until XX/XX/XXXX. I immediately called Wells Fargo around XXXX PDT and arranged to come into the Bank in person the next day. The following day, XX/XX/XXXX, I went into the Wells Fargo location XXXX, California to formally dispute the charges and file a complaint. While Wells Fargo did cancel my debit card connected to my savings account and issued me a temporary card, I have yet to receive a refund for the fraudulent charges that had already occurred. 

Wells Fargo has confirmed that I filed my complaint ( Claim XXXX ) on XX/XX/XXXX. In response to my complaint, they sent me a letter on XXXX indicating that they would investigate the claim. They then sent another letter dated XXXX claiming that they had investigated the matter, and the withdrawals were made by me or by someone I authorized. This is false. Wells Fargo also claimed that there were " several undisputed transaction completed with the debt card within minutes of disputed transactions. '' This is also false. All of the charges between XXXX XXXX and XXXX XXXX were not authorized except the XX/XX/XXXX recurring transfer. I have attached documents of the fraudulent charges in question, as well as all the correspondence with Wells Fargo about this dispute. 

On XX/XX/XXXX, I sent a letter to Wells Fargo asking them to preserve the ATM video recordings. That letter contains incorrect dates because of a misunderstanding with a translator. The remainder of the facts in the letter are true.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have bankruptcies on my credit report ( XXXX  XXXX XXXX ) and ( XXXX  XXXX XXXX ) that dont belong to me that has been linked to wrong name I have provided documents and tryed to get this fixed and this is clearly violated my FCRA rights, I know have filed a complaint with the state attorney general and my next step is for a law suit, This is ruining my life and I just want them removed and deleted from my profile cause they dont belong to me again Im sending proof, so I can have for my documents as well of how many times I tried to resolve this with the credit bureau and keeps coming back verified but theres no way when its not mine and I never been sent anything verification of this information belonging to me Please delete this I just want my rights as a person to be treated fairly again I will be providing documentation this does not belong to me.
Consumer complaint received 2024-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: FISERV INC. (CA)

I am forced to use Money Network as part of California unemployment ( XXXX  ) to receive benefits payments. The mobile app works XX/XX/year> times I try to use it. Most of the time it hangs up on the login screen such that I can not login and access funds. The web app says that my username/ password is incorrect, even though on the 1/10 times that the mobile app does work it is the same username/password used there successfully. I have also reset the password, but immediately get the same error. This has been ongoing for the last 6 months that I have been receiving unemployment benefits. 

Today ( XX/XX/XXXX ) I tried calling their customer service number ( XXXX ) and when I provided the last XXXX digits of my social security number and my birthdate ( coded correctly according to their instructions ) it says it finds no record of me and hangs up automatically. There is no way to contact them to discuss these issues.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account ( s ) Name : XXXX XXXXXXXX Account Number : XXXX, XXXXXXXX XXXX XXXXXXXX Account Number : 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 ; also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to formally dispute an incorrect address listed on my credit report. The address in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This information is inaccurate, and I request its removal in accordance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, which entitles me to dispute any information I believe is incorrect. 

To support my claim, I have included copies of my identification and documentation verifying my correct address. 

Please investigate this matter and remove the incorrect address from my credit report. I would appreciate a written confirmation of this action, along with an updated copy of my credit report reflecting the changes. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-10-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Holding Company, Inc. (PA)

I am set up on AutoPay on the XXXX of every month. Somehow, every time Avant processes my autopay, they say I have insufficient funds and they return my payment and charge a {$15.00} fee so I have stopped allowing autopay to draft. On XX/XX/year>, I made a {$180.00} payment via debit card and selected to have it applied to the upcoming installment, so the autopay on the XXXX didnt draft. They drafted on the XXXX anyways and notified me a couple days later of again another returned payment and a {$15.00} fee. I contacted them when they processed the payment on the XXXX and I was told to call back to have the fee waived as the payment shouldnt have been processed. I called on XX/XX/year> and was told they wouldnt waive the fee because it was MY error. How is it my error when I made the payment early and for more than what was owed? This company is criminal and I expect there will be class action lawsuits about the way they process payments and charge fees.
Consumer complaint received 2023-06-11
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. (GA)

ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX XXXX TRANSUNION WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Please remove the following accounts which were opened by fraud within 4 business days, per FCRA Section 605B ( a ) : I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance with the following items : XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XX/XX/XXXX DEPT OF EDUCATION {$1200.00} XX/XX/XXXX
Consumer complaint received 2024-10-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NCB Management Services Inc. (FL)

To whom it may concern : I was married at that time to my ex-husband XXXX XXXX that was the co-applicant of the car financed back in 2018. Once we separated and filed for divorce, my ex-husband left me with XXXX children to care for by myself and left to XXXX XXXX XXXXXXXX to live. He also threatened to have the car taken away from me which was the ONLY means of transportation that I had to take my children to school, go grocery shopping and work. 

The finance company ( XXXX ) then came and took the car away from me. I then was left all alone with my XXXX children and trying to make ends meet and had to move from location to location looking for places to live for me and my children. Many times staying at non-related homes and apartments that were so kind enough to take us in. 

Letters was sent to XXXX XXXX my ex-husband and I NEVER received any notification of those letters sent to me and did not know of this debt. 

NCB Management Services , Inc. bought the debt from XXXX XXXX. 

It has now been over XXXX XXXX and XXXX XXXX, and now that NCB found me and not my ex-husband, they are chasing me of debt loan and NEVER sent me a letter that I was going to be sued for this debt. 

Please follow up on this and help me through this unfairly and unjustly lawsuit. 

Kindest regards, XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have been trying to freeze my credit with Equifax for the past 3 months. Everytime I login to https : //my.equifax.com and navigate to https : //my.equifax.com/membercenter/ # /freeze I get an error message of " We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' This occurs every time I login try via their online tools. I have tried clearing my browser cache and also tried on several different devices, i.e., XXXX XXXXXXXX, etc. but it is always the same error. 

I then try calling their customer care line, but is basically placed on indefinite hold waiting for an operator to answer my inquiry. 

It is basically impossible to freeze/unfreeze my credit report with the available tools made by Equifax currently .
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX XXXX 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 XXXXXXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Addresses 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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, Enclosures Proof of identity