davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope this message grabs your attention. I've been trying to address the issue of fraudulent accounts repeatedly, but unfortunately, I haven't received any action from your end. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX if the fraudulent accounts are not promptly removed , I will seek legal counsel. I believe their inclusion violates my rights under the Fair Credit Reporting Act.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (SC)

This credit agency is reporting on my credit illegally. This company is not licensed in my state which is South Carolina. Also Ive never done any business with this company ccs or given any other company the permission to give or sell my information to this company. Identify fraud this company should not have any of my personal information.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

On XX/XX/year> XXXX XXXX closed my account in the amount of {$490.00} and reported it to the consumer credit reporting agencies as " charged off ''. Since then, I have not yet received the 1099-C form for a Cancellation of Debt for this item. I am requesting again that this be removed from my credit report and to send me the 1099-C that I am entitled to. This has put a major ding on my credit report and needs to be taken care of.
Consumer complaint received 2024-01-23
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TRANSUNION company has inquiry I did not authorize or even aware of and is asking for them to be removed : XXXX : XXXX requested on XX/XX/XXXX XXXX XXXX XXXX  requested on XX/XX/XXXX XXXX XXXX requested on XX/XX/XXXX XXXX XXXX XXXX requested on XXXX XXXX XXXX XXXX XXXX requested on XXXX XXXX transunion consumer requested on XXXX XXXX, XX/XX/XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX requested on XX/XX/XXXX XXXX XXXX XXXX requested XXXX XXXX XXXX XXXX requested on XX/XX/XXXX XXXX XXXX XXXX requested on XX/XX/XXXXXXXX XXXX requested on XXXX XXXXXXXX XXXX XXXX  requested on XX/XX/XXXX XXXX XXXX requested on XXXX XXXX Trans Union interactive requested on XXXX XXXX XXXX requested XXXX XXXX XXXX XXXX XXXX requested on XX/XX/XXXX XXXX XXXX requested on XXXX XXXX XXXX and XXXX Upgrade requested on XXXX XXXX XXXX XXXX XXXX XXXX  requested on XXXX XXXX company has inquiry Im not aware of or authorize and is asking for them to be removed.

US DEPARTMENT OF EDU Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX company has inquiry I am asking to be removed I didnt authorize or aware of XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2024-01-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am frustrated with your bureau 's inaccurate reporting of a late account. Despite the bank 's confirmation of inaccurate information and an agreement over the phone, your compliance is overdue. 
Account Details : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Inaccurate Reporting : XX/XX/XXXX, XXXX
Consumer complaint received 2023-04-15
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. (CA)

My name is XXXX XXXX XXXX XXXX and I am sending this request in response to a letter I received from 3 Credit Bureau that they wont process my request to dispute inaccurate information in my credit file. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that the 3 Credit Bureau must investigate and delete these fraudulent items XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX  XXXX Filed on XX/XX/XXXX Reference number XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXXXXXX XXXX  Balance : {$320.00} ; XXXX XXXX - XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance - ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2024-04-13
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: CCS Financial Services, Inc. (NY)

In late XXXX, Credit Collection Services ( CCS ) added a negative mark to my credit report. I'm concerned about the potential impact on my credit score. I contacted CCS to request the removal of this mark, as I believe it was placed incorrectly.

According to the standard procedure, CCS should have provided an explanation of the services XXXX, their client, provided and the timeline for when these services were performed. I sent XXXX emails to CCS requesting this information but did not received a response.

I have reason to believe that I did not owe the debt to XXXX, as they had previously dropped me as a client and I had obtained coverage from XXXX XXXX instead. Furthermore, CCS claims that they attempted to contact me XXXX times but can not provide any records of these calls. 

Given that CCS did not follow the proper protocol, I am requesting that they remove the negative mark from my credit report. Attached are a copy of my ID and the emails I sent to CCS.

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

These accounts have violated my rights to privacy as a consumer protected by federal law according to the Fair Credit Reporting Act under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602A says that I have the right to privacy.

15 USC 1681 Section 604A section 2 says that a reporting agency can't furnish an account without my written consent to do so.

15 USC 1681c. ( a ) ( 5 ) says that no 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 USC 1681s-2 ( A ) ( 1 ) says that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NC)

I have been victimized in the XXXX XXXX data breach. I have been left ruined. I've requested that experian honored their XXXX XXXX dollar identity theft protection pledge. 

The other issue is the fact someone with a similar name was convicted of a felony common law robbery charge and assault on a female. Along with other violations. His name is as follows XXXX XXXX This individual is not myself nor a alias of mine what so ever. I rarely wae in XXXX XXXX NC, if at all for years on end. As is common serving for the military. It's not me I was gone during this time period he was convicted. I want it stricken permanently from my background report. Along with all other charges received in XXXX XXXX following the date of his conviction. I keep getting arrested because they say its me and my alias. This is false information and I want it off my record please
Consumer complaint received 2024-04-13
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: Open Dealer Exchange, LLC (CA)

I checked my credit report and found unauthorized inquiries on my credit report. The inquiries took place XXXX. The Companies are XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX FCRA LAW 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of Credit Reporting Agencies
Consumer complaint received 2024-04-04
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Sigue Corp. (TX)

I Placed money order/check ( {$900.00} ) to pay mortgage for property that I'm buying. The company I got this check from is called Sigue. The person I'm purchasing the property from tried to deposit money order/check but it was denied. I tried to get my money back but the company said they couldn't return the money.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

My account with this XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-04-25
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: LendingUSA (CA)

Hello CFBC, I hope all well. I was appalled today when I login into my credit report and saw multiple unauthorized inquirys. Please see below the unauthorized inquirys. 

XXXX - Unauthorized Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

XXXX, I was at XXXX XXXX ( a Best Buy company ) purchasing some appliances. I was in the process of opening a Citi Card with the company, but when I heard the full terms, I told them I was no longer interested, and asked them to cancel my application. They said OK. 

Not long after, I started receiving statements in the mail with charges to a card that I never opened. ( I never even received a card! ) I immediately contacted Citi to dispute the charges. I have never had possession or used this card. Citi has not resolved the issue and will not remove the charges. 

- Current account balance, with all finance charges, is : {$420.00}. 
- Account ending in XXXX XXXX
Consumer complaint received 2024-02-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

I have an auto loan from AMERICA FIRST BANK, I am filing a Complaint against the bank. The bank has not responded to my letters for 6 months. The bank deceives and forces its insurance on me at an inflated price, while hiding the name of the insurance company. The bank has never provided me with a translator, discriminating against me on linguistic grounds. The bank monopolistically imposes only one insurance company, possibly the bank 's management received a bribe from the insurance company ( I will file a complaint with the FBI ). The bank is obligated not to impose an insurance company, but to offer customers a choice of several companies. There is no option on the bank 's website to make payments with a card from another bank, which is nonsensical in the 21st century of technology. I suspect the bank of violating antitrust legislation, corruption, discrimination, deceiving customers, manipulations. The bank must provide me with a translator, refund the insurance money, respond to my letters at loan @, review a lower interest rate, compensate me for moral damages and caused suffering and inconvenience, wasting my time.I regularly pay XXXX dollars every month
Consumer complaint received 2024-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: MONEY SOURCE, INC., THE (CA)

The servicing for my home loan was transferred from The Money Source to XXXX XXXX effective XX/XX/XXXX. I am trying to get a XXXX form for XXXX from The Money Source and they appear to have shut down and are not providing any tax documents. 

I called The Money Source at their number ( XXXX XXXX XXXX ) repeatedly to request the XXXX form. They do not answer the phone with a live person no matter how for you go into their menus. 

I used to be able to log in to their website XXXX XXXX ) but the website doesn't appear to be inexistence anymore.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Alorica Inc. (GA)

I HAVE REACHED OUT XXXX ATTEMPTS TO GET THIS MATTER RESOLVED AND HAVE RECEIVED NOTHING BUT THE RUN AROUND. THE CLIENT IS NOT TRYING TO WORK WITH ME OR RESPOND BACK TO MY ATTEMPTS WITH THE MANAGER TO RESOLVE THIS MATTER. THE SERVICER IS XXXX XXXX XXXX XXXX XXXX XXXX. THEY ARE SHOWING ARE OWE XXXX  WHICH IS INCORRECT I SHOULD ONLY OWE XXXX
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK (FL)

On XX/XX/XXXX, I was pre-approved to take a home equity loan in the amount of {$35000.00} from Discover Bank, who is my mortgage company. On XX/XX/XXXX, I received an e-mail and telephone call from my personal banker, accusing me of having a pre-foreclosure / foreclosure on my property. I explained to my personal banker, I brought my house in XXXX, and I have never been late on my mortgage payments, so there is no way that I could possibly have a pre-foreclosure or foreclosure on my credit report. My personal banker claimed she got the information from my assigned underwriter, who said they got the information from their third party source XXXX, and even though the information was false, she closed my loan application, and told me to reapply. I called all three credit bureaus, and received my credit reports, and there wasn't anything negative on my credit report, and I also called XXXX, who told me that they never gave or reported anything negative to Discover Bank, because I did not have anything negative on my credit, and they mailed me a verified copy of my credit report. On XX/XX/XXXX, I tried contacting my personal banker, to inform her that XXXX or the XXXX Credit Bureaus did not have anything negative on my credit reports, but she did not/ has not answered my calls or reached out to me regarding this false information.
Consumer complaint received 2024-03-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Escrow Inc (FL)

I paid for an XXXX purchase through Escrow.com on XX/XX/XXXX. 

To make the payment the service asked me to connected my XXXX account through XXXX. 

I canceled the order the same day, but the money has not been sent to me. Escrow support says the account in my profile and the account the transaction was made through are different. 

Turns out XXXX uses a " substitutional account number '' for security, meaning they encrypted my account number in time for payment, but I can't see it anywhere. 

Neither the bank nor Escrow can help me.
Consumer complaint received 2024-04-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CORNERSTONE RESOLUTION GROUP, INC. (FL)

Collection company called Cornerstone Resolution Group called advising they were going to serve me papers to get sued for up to XXXX, and garnish my wages from my employer. They brought up cash advances i did while i was on XXXX XXXX in the XXXX XXXX. sometime back in the year 2000. After talking, They stated that the debt was from paydaynowforyou.com, they agreed to a settlement amount of {$1400.00}, I gave them my debt card information and paid the debt on XXXX. Since then i've only received a receipt on XXXX from a XXXX XXXX entities company. When i tried to call the company on XXXX to verify they received the payment, i only got a voice mail which was unprofessional. When i looked up the company online, i called that listed number and got a message stating they do not take calls. I received another call from the same person today on XXXX stating that they received the payment and now advising that i owe another XXXX XXXX {$1300.00}. Now that i am alerted to this scam, I called the XXXX XXXX and they advised that they have no record of me having an account. I have not been able to find any information about XXXX anywhere online. I feel i have been scammed while trying to do the honorable thing. They told me on the phone they could not send me any letters or emails.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OK)

On XX/XX/XXXX I called Chase bank to dispute charges on my account they said they would investigate I called on XX/XX/XXXX and they said they would not be able to refund my fraudulent charges and that I was out the money and their was nothing they could do. A fraudulent site stole my funds and the bank is refusing to issue a credit back.
Consumer complaint received 2024-04-01
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: Coastal Capital Processing, LLC (IL)

On XX/XX/year> I went to XXXX in XXXX XXXX XXXX IL and purchased a prepaid card called XXXX XXXX.Add XXXX on to the card .I used cash at the register XXXX b register .The rep than handed me a receipt of the transaction .I left went back to work as I arrive back at work at my desk I open the card and started to activate the prepaid card but after XXXX minutes I wasnt getting anywhere .So I called the number on the back of the card .We went back and forth for another couple hours to be exact XXXX hour and XXXX minutes .The rep name was ( XXXX ) he asked me questions about my name address and nothing was accomplished..He told me he would have a manager call me .Well that never happened.So I called again and again and again and there no answers that they could give me .I tried everything I called everyone in that company but they continued to ask me to provide my personal information and than get no where .But each rep tells me that dont worry I will make sure your card works by the time we end this call .So Ive been chasing these people since XX/XX/year> as of today I put XXXX on XXXX XXXX XXXX and got nothing .I still call every other day same thing each time. .Well this is been going on since XX/XX/year> I am so tired of getting the round a run so a friend told me to contact you ..Please help me. By the way my phone is XXXX