davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
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. (CA)

.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 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 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 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2022-12-06
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. (NC)

My name XXXX 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 reports no consent is fraud.
Consumer complaint received 2024-04-08
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (NY)

Received a {$50.00} XXXX gift card issued by US Bank National Association with instructions to register at www.prepaidgiftbalance.com or XXXX. Packaging was fully sealed and a sticker is covering the card number inside the packaging. Yet I can not register it, because its already been used. How could it be used if its fully packaged and sealed? The bank seems like the scammer to me, and they wont file a dispute without my information. This seems like an elaborate ploy to gather consumer data.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-17
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: EQUIFAX, INC. (TN)

On XXXX XXXX XXXX, I pulled my credit file and notice Equifax Mortgage Service has pulled a hard inquiry on my credit file. I have not applied for any mortgage, I am not sure where this pull came from. On XXXX XXXX XXXX I called Equifax and they stated they don't see a hard inquiry however, the inquiry is visible on their site XXXX Equifax is failing to complete a full investigation on how this hard inquiry appeared on my file.
Consumer complaint received 2024-05-14
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. (DE)

I recently reviewed again my XXXX, XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-08-29
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. (SC)

In accordance with the Fair Credit Reporting act convergent account name XXXX XXXX XXXX XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2024-09-03
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. (CA)

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting as OPEN. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-09-04
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. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX  ( Bank ) XXXX XXXX ( Finance ) XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$0.00} Closed 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 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2024-05-14
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. (TX)

I am writing to file a formal complaint and demand immediate action regarding the inaccurate reporting of a bankruptcy on my credit report by credit bureaus. Despite repeated attempts to rectify this issue, the credit bureaus have failed to provide verifiable proof of the accuracy of this entry. According to information obtained from the court, they do not report bankruptcy information to any credit agencies. Therefore, the credit bureaus ' assertion of accuracy lacks credibility and violates my consumer rights.
Consumer complaint received 2024-07-14
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: Experian Information Solutions Inc. (OH)

I was going over my credit report and seen some unauthorized hard inquiries on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-14
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-14
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. (VA)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2024-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (FL)

To whom it may concern, Case # ( XXXX ) I am writing the letter to help me bring resolution to civil debt collection case ( XXXX ) I have been trying to resolve since XX/XX/XXXX. The original creditor is XXXX XXXX  ( XXXX XXXX XXXX ) and the debt was assigned to Cavalry SPV I , LLC. The original account was opened with XXXX XXXX  ( XXXX XXXX XXXX ) around XX/XX/XXXX for about XXXX. And on time payments was made up to coronavirus virus horribly struck our country in which I lost my job and forced on unemployment. Fast forward to XX/XX/XXXX I received a letter to collect a debt from Cavalry SPV I , LLC and I question this debt that is claimed to be owed. I received proper notice of the pretrial hearing by mail delivery service on XX/XX/XXXX. Since the beginning of this civil case, I have requested constantly validation of the debt, but I have never received the proper validation documentation. I attended the pretrial conference on XX/XX/XXXX which was referred to mediation because I provided the Judge documents that challenges the debt in question. During the mediation conference on XX/XX/XXXX I provided the acting attorney with all the documents that challenge the debt they say I owe. The documents that were provided were the Card Security Debt Cancellation Agreement Insurance Policy I actively had during that time. Which agrees to cancel any remaining debt in the event of a Job Loss, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or loss of Life. During that time, I called and notified the company of my Job loss due to covid and they submitted a claim on my behalf. I have not received any balance statements up until now. The mediation hearing resulted in no agreement. And I was told during the hearing that I would be notified with next steps from the attorney and the 2 mediators on the XXXX  call. I never received any kind of court notice or anything in the mail. Until I received two unmarked white envelopes in the mailbox stating I missed a court date on XX/XX/XXXX. I received the letters around XX/XX/XXXX, in which I went to the courthouse the next day and filed a motion for a rehearing. I believed I was taken advantage of due to the vulnerability of me not knowing how court proceedings actually work so I would not show up to my court hearing and have a final judgement and not have a chance to present my case to the Judge. I did received information from the clerk of courts on how to actively check on my case online at XXXX I do need help and some assistance with what I need to do to move forward in this situation. Please if there is anything I can do to help myself in this situation provide me with any resources or information that will help me in this matter. 
Thank you so much I really appreciate any assistance!!!! Case # ( XXXX ) / XXXX / XXXX XXXX
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

on XX/XX/XXXX - XX/XX/XXXX {$7200.00} was taken from my account by a company called XXXX  XXXX XXXX XXXX. They are a known scam online gambling website. I have never used them in my life. I called the company and called wells fargo to dispute. They got my card information and charged me {$7200.00} in the matter of 2 days back to back. 
I submitted my complaint to wells fargo, along with proof I was in a different city at the time these charges took place. They denied my dispute.
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (ME)

On XX/XX/XXXX, I received notice that a {$99.00} balance was charged to a Citi Bank Credit Card. I do not have an account with them nor have I ever applied for a card for them. This was not opened by myself. It states the card was opened on XX/XX/XXXX so ( XXXX yrs, XXXX mos ). I am just noticing it now as a charge was placed on it. 


Their information is : CITICARDS CBNA XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX
Consumer complaint received 2024-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

They sent Validation of debt however it shows really just dates I need to know what was purchased since I dont remember purchasing anything from XXXX XXXX as well as this is not the company this debt has been sold to this company now collecting.
Consumer complaint received 2024-06-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (MN)

I have a Wells Fargo Credit card with {$18000.00} credit limit. Besides being on auto pay, I made an additional payment of {$17000.00} on XXXX to free up available credit so I can continue to make purchases. 
When I made this additional payment, it cleared my bank account XXXX and was listed as a {$17000.00} payment on my WFCC  XXXX. It does NOT however give me more available credit. WF says they can take up to 20 days to post it to my credit even though it has cleared my bank and theirs.

There was nothing in the credit card application with this information. When the payment was made to the CC, I get a confirmation that says : When will this transaction take effect?

Transactions submitted by midnight Pacific Time will be sent immediately and will take effect the same day. You can not cancel the transaction once you submit it.

If you make a payment on the last day of your statement cycle, well apply it to your account that day. Note : These payments may not appear on your monthly billing statement or your credit report until the following statement cycle.

What happens if there isn't enough money in my account to cover this transaction?

If the From Account does not have enough money to cover this transaction, your payment will be reversed from your credit account and fees may apply. Please refer to your other bank 's policies on insufficient funds and overdraft protection.

How will this transaction be processed?

It may take up to four ( 4 ) days to fully process this payment between Wells Fargo and your other bank. This does not change the date your payment will take effect. 

Please do not reply to this automated email. 

XXXX XXXX XXXX XXXX XXXX I have never heard of anything like this and feel it is illegal to treat my payment as such. 
Please let me knwo if they have the right to do this based on my payment confirmation.
Consumer complaint received 2024-04-21
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: Experian Information Solutions Inc. (OH)

Sent a demand letter to company requesting verificaiton and validation of debt that they are reporting as mine., I also submitted a dispute through the credit reporting agencies. The reporting agenices were XXXX, XXXX, Experian. They were made aware that the debt that was reported was not mine and that I did not open the account, that i did not authorize anyone or party to open hte account. That I did not benefit or will benefit in anyway from the account. I also made them aware that I notified the company / reporter of this debt to send me any and all verifciaiton and validation documentation ( including but not limited to my agreement to the obligation to this debt. They were also made asware that In revceived no repsonse from said companyt. All three credit reporting agencies came back with no change in my report ; however, nothing else was given in regards to verifcaiton and validation documentation. Company will not provide any information showing that this debt belongs to me.
Consumer complaint received 2024-07-25
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)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-06-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MA)

I have opened an XXXX  XXXX card with Citi bank and I am the primary holder which advertised as it has the admirals club benefits which also allows you to access the XXXX XXXX if you are flying with them. However I got refused to enter the lounge as no admirals club printed in the card. 
I have connected with a customer service agent named John and he suggested me to connect the airline to see if the card is active and can not understand the question except sending me copy paste messages.

Other than this, the card originally sent to me was lost, and eventually cost 20 days for receiving a card, and then the card was locked due to just adding it to apple wallet, and after connecting to customer service, I have the card unlocked, and then I got locked again because they said I was failed to validate my identity when I first connect with them, while they unlocked the card for me like I stated before- so unlocked the card while I am not verified? 
I dont understand and I dont recommend any other consumers using Citi bank
Consumer complaint received 2024-06-08
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. (GA)

I would like to file a complaint against LVNV, XXXX XXXX XXXX, XXXX for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/2024
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (SC)

I have sent Experian the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent accounts immediately.
Consumer complaint received 2024-06-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NC)

Amsher Collection Services never informed me through any medium that they were a collection agency attempting to collect a different amount ( {$900.00} ) compared to what XXXX XXXX XXXX XXXX XXXX reported . Amsher Services has reported a different account number to XXXX than the XXXX XXXX has on record. This misleading and false information violates the consumer laws outlined in 15 USC 1681.