davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
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. (WA)

Recently i looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate the account to ensure maximum accuracy. 

Here is the account i am asking for you to verify : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/XXXX I tried to make a cash deposit in the TDBank ATM at XXXX XXXX XXXX  XXXX XXXX. The ATM took my cash, exactly {$500.00} and then malfunctioned and flashed a message indicating that I should take my cash. But there was no cash to take. I noticed that some bills were visible inside the slot but I could not get a grip on them. After some effort I did manage to extract {$40.00}. The ATM then messaged me to see someone inside the bank, and a few seconds later it said OUT OF ORDER '. 

I went into the bank and sat with someone who filed a complaint but told me she could not operate the ATM directly. Four days later I received a letter from TDBank denying my claim. But I noticed they had investigated the wrong ATM ( XXXX, XXXX  ). 

I went back to the bank again on XX/XX/XXXX and was told the system was down. I left my information with a bank officer who assured me he would take care of my issue when the system was back up. 

I returned to the bank again on XX/XX/XXXX and was told my claim w as not filed as I'd been promised. A manager I sat down with filed a claim with the correct information ( I assume ). 

Today, XX/XX/2023, I returned to the bank for the fourth time. I sat down with the person who filed my original claim ( with the erroneous information ). She seemed very confused and unable to provide any useful information. After 30 minutes, I left the bank. 

They still have my {$460.00}
Consumer complaint received 2023-06-12
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: Experian Information Solutions Inc. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-05-01
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)

My credit report, inaccurately managed by XXXX XXXX, a debt collector, indicated the 1st delinquency in XX/XX/XXXX, which was when the original creditor, XXXX XXXX, actually charged off the account. The real last payment was in XX/XX/XXXX, a detail I had to unearth from my own records because XXXX and XXXX XXXX failed to provide this information despite my multiple requests ( more than two ). 

Initially, XXXX XXXX did not include any information about the first delinquency date l, date of last payment, chargeoff date actual payment amount or really anything that verifies that they legally have taken the debt over when they first reported the account. My disputes, requesting validation were initially met with a response that the information had been validated. Further disputes resulted in an inaccurately reported delinquency date. 

Moreover, XXXX allowed XXXX to exceed the standard 30-day response window for credit disputes without any action until I intervened by calling them. Given these ongoing discrepancies and failures in reporting and responding, I am requesting that this account be deleted from my credit record to correct the errors and accurately reflect my credit history.
Consumer complaint received 2024-05-01
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. (NM)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Transunion According to Cushman v Transunion 1997, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws ; 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. Delete PUBLIC RECORD ACCOUNT.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Dear Sir/Madam, I am writing to you regarding my discovery of derogatory marks on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I believe these derogatory marks stem from that traumatic experience. 

As a survivor of XXXX XXXX I have faced immense challenges in rebuilding my life and reclaiming my financial stability. Unfortunately, these derogatory marks on my credit report serve as a constant reminder of the abuse and exploitation I endured. 

I kindly request your assistance in blocking these derogatory marks from my credit report. I am working diligently to overcome the repercussions of my past experiences and rebuild my creditworthiness. However, these marks only serve to hinder my progress and perpetuate the cycle of trauma and it has. 

Kohl 's Charge Card has not only made it difficult to get information from them but to give them information as well. I still remain clueless as to where I would send documents because I have been instructed not to do so through the email in which I have corresponded with them a few times on. But this investigation has gone on for so many months now and it still remains on my credit report and I have done nothing but be very transparent and willing to give them information. They're just running from cause they don't want the truth or anything that's going to benefit my situation it seems. 

I understand the importance of accurate reporting and the integrity of credit information. However, in cases of extreme circumstances such as XXXX XXXX  I believe there is a moral obligation to provide support and assistance to survivors. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving it. Please feel free to contact me at XXXX or email XXXX if you require any further information. 

Thank you for your understanding and support. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NY)

I have a credit card with comenity and I paid the balance off in full in XX/XX/2023 then I started receiving collections calls the calls were even going to my husband that had no relationship with this credit card in no way ... they proceed to harass him and gave him all the information about my credit card and that I owe a balance. I picked up his phone to answer this call one day and ask for them to put his number on the DO NOT CAll list because there's no way they should be sharing my info..I eventually spoke with a representative on the week of XX/XX/2023 who assured me that the balance was interest and late fee after the payoff.she assured me that her manager will bring the account to XXXX and close the account but instead she only refunded one late fee and sent my info to the credit buearer which impacted my credit negatively and as a XXXX XXXX this is not good for me professionally. I constantly tried calling the number on the back of the credit card which always cuts off and no representative is available.XXXX ( XXXX ) XXXX ... after built up frustration I called the number that called my husband 's phone and spoke with a gentleman on XX/XX/2023 which was so rude ..I asked for him to pull the phone conversation for the week of XX/XX/XXXX so that they could see that the representative assured me that the balance was brought to XXXX and that I would receive a confirmation in the mail ... he said he can't check the phone conversation but he'll ask his manager to check and in the meantime I have to pay the balance ... mine you I already paid over {$2000.00} to payoff the credit card ... I asked to speak with the manager then he hung up the phone ... while I'm here suffering because this was reported on my credit and dropped it drastically..please help because I have no money left to pay on this credit card and to my dismay the customer service number on the back of the card doesn't even work... I feel like I'm being scammed and swindle the credit card is called Comenity and the number on the back of the card is XXXX XXXX XXXX
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following accounts : 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 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

I do not have a contractual agreement with LVNV FUNDING, nor have I ever conducted any business with them. This company reported to XXXX that I owe them {$7300.00}, and I am not liable for this debt. 

I have requested multiple times in writing via certified letter for LVNV Funding to provide me with the original contract and debt validation documents according to the Fair Debt Collection Practices Act, 15 USC 1692g. Last request on XXXX2023. 

Under 15 U.S, C. 16811 ( 7 ) Method of verification, this account is in violation ; it was reported without valid evidence. 

This company has also violated my rights. 15 U.S.C 1681 Sec 602A. states that I have the right to privacy. 15 U.S.C 1681 sec 604A Sec 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting Act ( 15 USC 1681 Section 602 ), it is emphasized that consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumer privacy rights. TransUnion, XXXX, and XXXX fall under this category as consumer reporting agency, and I, as the Consumer, have the right to ensure that my private information remains protected, as supported by 15 USC 6801. This statute affirms Congress ' stance that financial institutions must actively safeguard customer privacy and confidentiality. Entities furnishing information to credit agencies, defined as financial institutions, are subject to this obligation. 

Per 15 USC 1681 section 604, consumer reporting agencies may only furnish consumer reports upon the consumer 's written instructions. TransUnion, XXXX, XXXX, and the financial institution furnishing information do not possess my consent to share this data, either written or otherwise. By invoking 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties without providing consumers an explanation of their nondisclosure options. This provision was not communicated to me by the financial institution. 

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization, and 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate consumer information. TransUnion, XXXX, and XXXX are not adhering to these regulations by reporting adverse information without consent and potentially inaccurate data. 

Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to prevent violations of consumer reporting laws. TransUnion, XXXX, and XXXX are failing to uphold these reasonable procedures. 

Lastly, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. I am exercising my right to opt out of your reporting services.
Consumer complaint received 2023-06-18
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. (PA)

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. 

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 an 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 information, other then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 2024-02-12
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (CA)

PG & XXXX has sent not one, but two debt collectors after me for the same debt. I have reached out to XXXX XXXX XXXX XXXXo let them know that it's fraudulent to share my identity, social, or otherwise ruin my credit. They have not responded to my email and it's been 30 days. 
They first sent XXXXXXXX XXXX after me, and that has been deleted from my credit report because they couldn't validate the debt. 
Months later they send I.C. SYTEMS INC after me as well. So as far as I'm concerned the debt has been paid in full twice by two different collection agencies. I do NOT give utility companies my social security number because it's against the law for them to ask for it. They are harassing me, and hurting my financial well being, and credit score. VALIDATE THE DEBT, or I will file a complaint with IRS, and SEC.GOV Due to the " The privacy Act of 1974 '' they may NOT share my personal information with anyone, company, or otherwise. 
Account number XXXX The so called debt is for {$850.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2024-02-12
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 (NY)

On XX/XX/year> I attempted to empty my Venmo account. I clicked on a debit card that I had stored, to see what the entire number was.or which bank to make sure it was a valid acct. 

It never gave me an opportunity to confirm, or show me which card it was, it only showed me the last four digits. 

That card is no longer valid, so my {$1200.00} went into limbo. I called my bank to see if I would get the money, they told me it would be returned to Venmo. 

I opened the case with Venmo, they denied my request for reimbursement
Consumer complaint received 2024-02-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

In 2021 the bank paid {$4600.00} in property taxes. This is a non-escrowed HELOC and I have paid the property taxes on time since the origination of the HELOC.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I have received a notification that PENTAGON FCU ( Credit Union ) has made a hard inquiry on my credit repot on XX/XX/2024 without my consent. I haven't shared my credit/social security with any company lately. Not sure where they got my information from. I would like to have the inquiry removed from my credit as I didn't authorize it.
Consumer complaint received 2023-11-11
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. (TX)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was a victim of Identity Theft, my former roommate opened XXXX XXXX XXXX XXXX accounts in my name and pretended to be me racking up thousands of dollars in debt that caused my credit score to tank. In addition, I lost my employment between XXXX XXXX which put me further into debt along with losing my home, my car, being homeless for nearly XXXX years with no unemployment, no family, no friends and various XXXX XXXX issues that have prevented me from being employed. I AM ASKING THAT THEY COMPLY LIKE THEY SHOULD AND REMOVE BOTH ACCOUNTS FROM MY CREDIT REPORTS ALONG WITH THE REIMBURSEMENT OF LOST WAGES IN THE AMOUNT OF {$140000.00} WITHIN XXXX 30 DAYS BEFORE I REALLY FILE A LAWSUIT AGAINST UPON EXTRA PAYMENT OF {$30000.00} FOR LEGAL FEES. I AM SICK OF THIS SITUATION WHICH HAS PREVENT ME FROM WORKING A REGULAR JOB AND HAVING A PERSONAL LIFE.
Consumer complaint received 2024-02-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monarch Recovery Holdings, Inc. (IL)

I have received settlement offer letters from XXXX XXXX XXXX XXXX ; Monarch Recovery Management , Inc., and XXXX XXXX XXXX, XXXX all offering settlements for an account with XXXX with XXXX XXXX. They have all offered different amounts for settlement. Client services never even stated the amount owed on they debt they were trying to collect for. they just offered a settlement They have never provided any documentation about the debt owed, any signed contracts of the debt owed, or proof that the debt belongs to me by original creditor. Each one has/had called every single day multiple times a day.
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Ive never went into any agreement with XXXX XXXX XXXX. Ive asked TransUnion to validate this information but theyve failed to do so. Ive never entered into any agreement with XXXX XXXX XXXX, so therefore it shouldnt be reporting to my credit. Ive also tried to just settle with them but they are way too aggressive and they refuse to do a decent settlement with me. This debt is not mine, I just want it to go away because its stressful.
Consumer complaint received 2024-05-01
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. (NM)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws ; 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. Delete PUBLIC RECORD ACCOUNT.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CT)

I refer you to my prior complaint XXXX. This was a complaint against City Bank who refused to address an erroneous or fraudulent {$1000.00} charge on my credit card. Once you got involved they almost immediately reversed the charge. They did not, however, address the interest and fees they applied based on the erroneous charge. They are still charging interest and fees and refuse to address the issue. All of this interest and fees are based on that {$1000.00} charge. I have paid any charges that I actually incurred in full every month. I have monthly statements from Citi as well as my bank verifying those payments. I've talked to Citi personnel on the phone and have sent them letters. 
They have also filed derogatory reports related to my credit. 
They have harassed me at work, on my cell phone, on my home phone and through emails. I hate to bother you with this but I'm at a loss as to what I can do and thank you for any assistance you can offer