davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
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. (IN)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc. (TX)

I hold a XXXX XXXX XXXX On my employment history, XXXX XXXX keeps showing up but Ive never worked for XXXX. 
Also. XXXX XXXX XXXX XXXX XXXX, has sent me an email stating my XXXX school info/XXXXproof is missing. I attended school in XXXX. I have my XXXX But HireRight is not listing this information on my report. 
HireRight is posting incorrect information on my XXXX XXXX. Thus causing me to miss great opportunities for work.
Consumer complaint received 2024-05-30
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: GVA Holdings, LLC (AZ)

Recieved email Thursday morning, XX/XX/year> claiming that they have put out a XXXX XXXX XXXX XXXX  I currently working on other collections and havent had the opportunity to work on this one yet Im the only one working in my family right now out of our family of four as me and my wife just had our son I try calling or using their website and it is not helpful at all and now Im having a XXXX XXXX having to call the cops and ask cause Im so worried about it as what would happen to my family as the only financial support would of been taken away
Consumer complaint received 2024-02-07
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. (CA)

After receiving a copy of my XXXX consumer report I noticed there was a total of ( XXXX ) unknown and unwarranted and non permissionalble inquiriesXXXX inquiries that I didn't recognize nor have a open account with. After speaking to a representative from XXXX they advised me that it was their policy to place these hard inquiries on a consumer report so I advised them that their policy doesn't supersed federal law from the FCRA & FDCPA. My federal protected rights as a consumer was being violated by having the derogatory information on my consumer report. And that this information wasn't court ordered nor was there verbal or written permission given. The above mentioned inquiries has hindered my ability to acquire lines of credit and better interest rates.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My Equifax and XXXX scores continuously fluctuate XXXX points with no real changes to my credit file. I am in the process of obtaining a mortgage and these fluctuations continue to happen sometimes in a matter of days.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (OR)

I was traveling over XXXX miles away from where I live and I went to make a purchase and my card declined. I have over {$6700.00} in my account so I knew it wasnt due to funds being low. I called the Citibank number and was transferred 2 times and the lady I got whim barely spoke XXXX, said she couldnt verify my phone number and hung up without allowing me to speak. I called back and the same thing happened. I called again and asked for a supervisor and was told the same thing, that they couldnt verify my number and there was nothing they could do. I explained I am stranded, out of town with my kids in a car and I need this taken care of. They insisted there was nothing they could do. I asked for another supervisor and I got an account manager who said the same thing. Nobody offered help, nobody would even try to verify it was me. I gave them the place of business, the transaction amount, I offered all of my person information to verify it was me and they refused to help me. She said they would send a letter with a reference number and she still wouldnt confirm what address they send it to so Im here not not knowing where this letter is and whats going to happen. They offered no help. I am stranded out of town and cant feed my kids.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

hacker went into Wells Fargo online - changed address - sent debit card to fake address- obtained debit card and successfully transferred funds from savings to checking and withdrew funds from checking account at an ATM Wells Fargo denied our claim saying we did not keep the PIN number safe enough Bank rep told us to never swipe our debit card - there are card readers
Consumer complaint received 2024-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (OK)

I called the company and I paid the debt they said it would come off of my report, the company never deleted the information off of my credit reports like XXXX, XXXX XXXX. I dont owe this debt this company and myself made a deal and I paid them almost XXXX dollars. I had to put the debt on another credit card. This company was very pushy and threatening and i felt harassed. I paid what they told me to and I didn't receive the results I thought I would receive.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX, New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Troy Capital, LLC (IN)

I have a charge off from XXXX XXXX XXXX on my credit report that is 5 years old. SOL in my state for auto loan is 4 years. I was sued by a debt collector and decided to settle and pay a lump sum for this to go away and continue to grow my credit. I reached out to XXXX to remove from my credit as it was paid and they told me to contact my debt collector. The debt collector is not reporting on my credit only XXXX. They said XXXX HAS to be the one to remove this from my credit reports. XXXX says they cant as they cant pull up any info on me using my social security number. It appears I do not even have any account with them. I want this off my credit as I paid it with a cashiers check.
Consumer complaint received 2024-06-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OLIPHANT FINANCIAL, LLC (PA)

On XX/XX/XXXX I received an online Notification of a derogatory remark. Upon checking I see oliphant USA Llc to which I am in a quandary about this account.I was never send a validation notice, I was never told the amount alleged to be owe or even given a chance to dispute this debt. Plz provide to me Actual proof this letter was sent because i know it was not and you are being misleading and deceptive to which is another violation of my right. Once again you are in violation of U.S.C. 1692g ( a ) Under the FDCPA,. Plz send me actual proof that this company followed the FDCPA and send me out a validation letter.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TomoCredit Inc. (PA)

My account with TOMOCREDIT was never late! I have had exceptional payment history witH TOMOCREDIT 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 XX/XX/2022 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. 


TOMOCREDIT 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 2024-06-10
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (GA)

XX/XX/year> I purchased a money at Western Union, XXXX XXXX XXXX XXXX  XXXX GA XXXX in the amount of {$150.00} debited on my bank card. I immediately went next door to mail it XX/XX/year> usps, they lost the mail XX/XX/year>. I contacted Western Union foe a refund with stub and money order number and usps tracking number. Western Union is charging me {$15.00} plus I have to wait 30 business days to receive a refund minus {$15.00}. The 1st representative told me he would waive the {$15.00} due to the inconvenience. He was to forward me to a supervisor after 1st telling me of the {$15.00} non Refundable fee, once sent to supervisor, they did not budge even after me telling them the previous representative gave me a refund on {$15.00}. I wan na make a formal complaint to cfpb regarding the policies making consumers wait 30 business days to receive a refund. That's illegal!
Consumer complaint received 2024-06-10
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. (NC)

I Applied for XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX and their denial states " Thank you for applying for XXXX XXXX XXXX XXXX. We are writing to let you know that, unfortunately, we can not approve your application at this time. 
Reason ( s ) for Our Decision Your XXXX score ( see below ) Information About Your XXXX Score We obtained your XXXX score from XXXX and used it in making our credit decision '' The detail of my application for credit is discriminatory and violates my privacy 15 U.S. Code 1691 - Scope of prohibition * U.S. Code * Notes ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction VIOLATED 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) MOST RECENTLY AMENDED XXXX XXXX, XXXX Regulation B protects applicants from discrimination in any aspect of a credit transaction. 


VIOLATED The Privacy Act The FOIA/Privacy Act Division, in the Office of the Assistant Secretary for Public Affairs ( ASPA ), is the focal point for HHS Privacy Act administration, including the HHS System of Records Notices ( SORNs ) and Computer Matching Agreements ( CMAs ). 

The Privacy Act of 1974, as amended to present, including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. An individual has rights under the Privacy Act to seek access to and request correction ( if applicable ) or an accounting of disclosures of any such records maintained about him or her.

Prohibits disclosure of such records without the prior, written consent of the individual ( s ) to whom the records pertain, unless one of the twelve disclosure exceptions enumerated in subsection ( b ) of the Act applies.
Consumer complaint received 2024-06-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I had a previous complaint filed that Navient responded saying they would provide me with the School Misconduct Application for since my private loans were eligible due to being a part of the XXXX XXXX XXXXXXXX lawsuit for having attended and taken out private and federal loans for The XXXX XXXX and having my federal loans forgiven due to school misconduct. I've yet to receive this application from Navient online or via physical mail. They have not responded to my feedback left after seeing they still had not sent this application so I could get my private loans not only discharged, but refunded for all amounts paid due to their misconduct with working with The XXXX XXXX, which was found to be scamming their students.
Consumer complaint received 2024-06-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NC)

I contacted Navient in regards to getting my private student loans dismissed due to attending a fraudulent school. I received the misconduct application. I submitted the application on XX/XX/year>. I was denied on XX/XX/year>. I attended the XXXX XXXX XXXX XXXX from XXXX. Along with my application I summitted over XXXX pages of evidence proving I attended a fraudulent school. I messaged Navient asking for a explicit explanation of why my application was denied.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I was charged 2 XXXX  fees, XXXXne was valid as I did not complete a transfer to cover it. There was a second charge that I quickly transferred the amount to avoid 2nd fee and they still charged me XXXX When I had spoken to the branch they were going to submit a complaint for me but I heard nothing back. The call center refused to refund this amount claiming the system does not permit it
Consumer complaint received 2024-06-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LOBEL FINANCIAL CORPORATION (FL)

My identity has been used to get a loan i didnt apply for, and that car debt has been reported into my credit affecting my credit payment history. Thats why, im not able to be approved for anything at this time. 
Ive been trying to dispute it with the major credit report agencies, and i get no answer in respect to that. 
I also have a collection account that doesn't belong to me either : XXXX XXXX Account number : XXXX
Consumer complaint received 2024-06-10
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: CITIBANK, N.A. (OH)

The morning of XX/XX/year> I received notification that on XX/XX/year> a hard credit check was run without my authorization. This showed up on my credit report as CITICARDS - CITIBANK NA., BEST BUY. I called the customer service for Best Buy credit cards at XXXX. The representative utilized my SSN to inquire if any cards had been opened using my information and she reported that my SSN was not used, therefore they did not run a credit check. I called XXXX who placed a fraud alert on my credit and has opened a dispute.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Even though my credit report was frozen, as well as a Fraud Alert on all three agencies, my account with Experian.com was hacked. Experian allowed someone to change my email address and password, effectively stealing access to my account. The hackers now have all my personal information. 

To restore access to my account, Experian is asking me to physically mail proof of ID. I wish they had asked the hackers for the same level of proof, especially since my account was under Fraud Alert.
Consumer complaint received 2024-05-29
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: Experian Information Solutions Inc. (MA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-11
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  and TRANSUNION Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXXXXXX XXXX XXXXXXXX Balance : {$29000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5200.00}
Consumer complaint received 2024-06-10
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. (PR)

A dispute was escalated to the Company ( Citibank ) since a merchant failed to perform according to his own resolutions described as follows : XXXX ) Refund the Customer for a damaged item shipped to the Customer for the amount of {$240.00} and XXXX ) pay to return back to the Merchant the damaged item shipped to Customer. 

The Company ( Citibank ) grossly disregarded all the notices from the Merchant indicated above ( provided here as attachments ) that were submitted by Customer as main evidence to support his dispute case and resolved against the Customer charging the customer {$240.00} for a damaged item shipped by the Merchant.

The action of the Companys ( Citibank ) Dispute Department are simply too obviously suspicious as to make any reasonable person to believe there are corrupt employees receiving kickbacks from vendors to overlook the evidence provided by customers and rule against them.