davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX has claimed he was in XXXX XXXX but no proof. He has opened credit cards in my name which I never received I also never made purchases with the credit cards all the credit cards that are on my credit report from I believe XXXX of 2022 until current are open fraudulently by XXXX XXXX I never authorized this ever. Also XXXX XXXX asked me to get him a cellphone on my account and he would pay the bill he never has I have been paying it. He owes me at least {$10.00} XXXX because he keeps asking me for gift cards for me to get paid back. Im a XXXX XXXX veteran XXXX at 100 % from the Department of Veterans Affairs and I am XXXX by XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX knows this but keeps hurting my illness i hope you can help thank you
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX of debt letter from third party debt collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX Debt Validation Dispute via usps return receipt requested . 

XXXX counsel who sent XX/XX/XXXX debt collector to cease all communication with myself and to only communicate through HELPS LAW FIRM. 

XXXX XXXX Transunion, XXXX and XXXX XXXX incorrect information XXXX Sent Original Creditor XXXX XXXX XXXX XXXX notice of reporting errors and requested they investigate and correct errors. 

XXXX Transunion, XXXX and XXXX all three credit bureau 's first dispute letter informing credit bureaus were reporting innacuracies . Request investigation. 

XXXXSent Transunion, XXXX and XXXX 2nd dispute letter requesting investigation into wrong information across all three credit reports. 

XXXXSent third and final dispute letter to Transunion, XXXX and XXXX disputing continued false information on my credit reports. 

XXXXawaiting word on.third dispute request from Transunion, XXXX and XXXX while they continue to report false information after indicating all three bureaus found no innacuracies yet at the same time added several more false and innacurate data per the first two dispute resolution notifications to me.
Consumer complaint received 2024-05-24
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: EQUIFAX, INC. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-29
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. (MN)

It has been brought to my attention that you are not removing items, even when theyre sent with an FTC report. Since it is a requirement by law 605b of the FCRA. If you choose to not remove the following items listed below which are reporting inaccurately due to inaccurate credit reporting, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are erroneous credit report data & were opened without my consent or knowledge : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also added here my new FTC report with reference number XXXX. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an inaccurate credit reporting. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2018-05-20
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (PR)

XXXX XXXX XXXX XXXX charged my AMEX Serve Credit Card and I never received the item. In addition, XXXXXXXX XXXX XXXXXXXX XXXX said that the card is not activated with them when it is. 

Here 's the record of what XXXX XXXX XXXX XXXX  has on-file of me : Skip to Main Content Skip to Shopping Bag Skip to Search 30 % off Already-Reduced prices XXXX XXXX XXXX XXXX Hi XXXX Find a Store New Arrivals Clothing Dresses Shoes & Accessories Work Collections Petites Plus Sale Search 1 My Account Rewards Status Profile & Preferences Saved Payment Address Book My Orders My Wish List Shop Now Saved Payment My Default AmericanExpress - XXXX Expires XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Edit | Delete +Add new credit card Protecting your privacy is important to us. For more information, please read our Privacy Policy. 

More Ways to Shop Find a Store Gift Cards XXXX Rewards XXXX Request a catalog Support Contact Us XXXX FAQs Order Status Payment & Shipping Info Returns & Exchanges Recall Information About Us Our Story Careers Charity Investor Relations California Supply Chains Act Stay Connected Subscribe to our email list and get 20 % off Enter email address Submit Follow Us XXXX  XXXX XXXX XXXX XXXX   Copyright XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX. All rights reserved. Terms & Conditions Privacy Policy Change Country Live Chat Toggle Today 's Offers Today 's Offers Hurry, Limited Time Already-Reduced Prices Prices as marked excludes final sale Shop Now Details Shop with Benefits Already A Member? 
Sign in to get all your rewards. 
not a member yet? 
click to join today Sign in Join XXXX Rewards whbm work For us, it's business as usual Shop Work Try it on, on us Petites Free shipping & Returns on all full-price styles Shop Now Details
Consumer complaint received 2024-05-31
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)

On or around XX/XX/year> it came to my attention that I am a victim of Identity Fraud. During this time, I went ahead and contacted all companies involved to which each responded the same. I was advised to complete a FTC Report and file my dispute with the credit reporting agencies ( XXXX, TransUnion, XXXX ) so they may block and remove fraudulently opened accounts. Which I did. I recently received notification from TransUnion that my disputed accounts and inquiries were not removed from my credit file with no valid explanation.
Consumer complaint received 2018-08-07
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (PR)

Been receiving calls for about 2 weeks from someone from XXXX XXXX XXXX. On the first call I told them that I have no debt with XXXX XXXX XXXX and that I never received collection letters from them. The person was insistent asking for a payment method while I was talking. He started to ask so fast that a I couldn't understand him, so I asked for someone who's speaks XXXX, but the person didn't let me talk. He only asked for the payment method and insisted that I had to pay the debt. I told him that a owe no money to XXXX XXXX XXXX and requested evidence of the debt. I received calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. Sometimes up to 3 calls a dya.
Consumer complaint received 2018-05-16
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: EQUIFAX, INC. (PR)

On my Equifax credit report # XXXX appeared a fraudulent XXXX   XXXX XXXX account # XXXX opened on XXXX XXXX and a new address, also fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, PR.
Consumer complaint received 2024-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Date of inquiry:XX/XX/XXXX Delete!! 


incorrect names : 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 INCORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX horized inquiry XXXX Date of inquiry : XXXX Delete!! 


Unathorized inquiry. 
XXXX XXXX  Date of inquiry : XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX XXXX XXXX of inquiry : XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of inquiry : XXXX DELETE!! 


Unathorized inquiry XXXX Date of inquiry : XXXX Delete!! 


i noticed this issue in XXXX correct information needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNDER 15 USC 1666b THIS LATE PAYMENT ENTRY IS A VIOLATION. I HAVE BEEN INCORRECTLY BILLED. 
XXXX XXXX Account XXXX please update the status of this account to " paid on time ''. 


Under 15 USC 1666b this late payment entry is a violation.I have been incorrectly billed. 
XXXX Account XXXX Please update the status of this account to " paid on time ''. 


Under 15 USC 1666b this late paymententry is a violation.I have been incorrectly XXXX Account XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX  Account XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX Account XXXX Please update the status of this account of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX Account XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX Account XXXX Please update the status of this account to " paid on time '' This account needs to be validated. 
XXXX Account XXXX
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. XX/XX/XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

FCRA 605B, I believe, mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Some of the listed accounts are inaccurate in terms of reporting, including the reported amount and dates.
Consumer complaint received 2024-05-23
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: EQUIFAX, INC. (CA)

I'm experiencing XXXX, XXXX, and XXXX  concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-06-26
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the XXXX report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-23
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. (GA)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

This is a complaint against TransUnion. In XX/XX/2018, XXXX XXXX, which is a car dealership in Puerto Rico, mistakenly requested my credit information through two auto financing companies : XXXX XXXX XXXX and XXXX XXXX. Those requests through those two financing companies were not authorized by me. On XX/XX/2018, I sent a letter addressed to Transunion XXXX, in which XXXX XXXX admits that it was an error, and that it should not have requested that credit information through XXXX XXXX XXXX and XXXX XXXX. However, Transunion states that it can not handle my complaint because it needs a letter from the two financing companies ( XXXX XXXX XXXX and XXXX ) saying that they mistakenly requested TransUnion my credit information. The problem is that none of the two financing companies ( XXXX XXXX XXXX and XXXX ) are willing to give me a letter stating that they should not ask for my credit information, because they were authorized by XXXX XXXX. I think that these companies are right, it was XXXX XXXX that asked them, without my authorization, to investigate my credit. However, Transunion told me that there is nothing to do, and that my loan will be affected. Please help me. Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (MD)

Several months ago my vehicle that was financed by Westlake Service Inc., aka Westlake Financial Inc., was totaled. It took a little longer than excepted for my gap insurance to cover the complete vehicle loan, but the loan was eventually covered 100 %. It has been several months since the payoff, yet my loan still shows a balance of {$2300.00} since XX/XX/year>. Accordingly, I ask Westlake to make my account zero, and to remove all late payments since XX/XX/year>. The gap insurance was in place and Westlake told me to not worry about any payments. My account should show zero balance with no late payment history, or PAID NEVER LATE. Thank you. XXXX XXXX.
Consumer complaint received 2024-06-24
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCF Intermediate Holdings LLC (ID)

I received a call from XXXX saying that they were a law firm representing Speedy Cash and that they were about to place a lien on all of my assets if I didnt resolve the matter today. I hung up and called Speedy Cash to verify if I had ever received money from them, in which they told me no I did not have any balance there that was placed for collection. They tried to call me again from XXXX and left a voicemail. I didnt not return this call. They stated that I owed {$5900.00} and would settle for {$1100.00}. Speedy Cash confirmed that I never had a balance with them.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (FL)

I told cash app my phone was stolen and the transaction was not authorized by me and they went ahead and denied my dispute so then I showed all proof proving it was stolen and now Im just here waiting. There not taking this seriously and Im going to be late on bills if this doesnt come back
Consumer complaint received 2024-06-24
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. (MA)

On Monday, XX/XX/XXXX, I received three statements from three different banks ( XXXX XXXX, CitiBank and XXXX XXXX XXXXXXXX ) stating that my credit card applications were denied. On the same day, I received a call from XXXX XXXX asking to confirm my application, which was also fraudulent. I am in the process of calling these companies to let them know that this is fraudulent activity.
Consumer complaint received 2024-06-24
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. (MI)

Hello, my name is XXXX XXXX I have been reporting this account for also a year and half. I have never opened this account this and 5 other accounts was open in my name and my identity has been compromised. I been telling that I have not open this account. The transactions are not mines. I also reach out to this company they told me they remove the amount .it They still put on my credit after I said it was fraudt I dont even know what the card look like. I never received anything until my credit went from XXXX now its in the XXXX because they keep reporting fraudulent transactions that i didnt make I need this report off my credit.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IL)

I received a text message from Citibank " Free Msg Citi Fraud Dept : Card XXXX. We need to speak to you about your acct. Please call XXXX. Reply STOP to Opt-Out ''. This message came from the same number Citi has used to text me before, so I called. 

The first time I called, the representative verified my information and asked to call me back in 1-2 minutes. They called me back from a random number from Tennessee not associated with Citibank. I was unable to verify that number was from Citibank so I refused to continue. 

The second time I called the XXXX number, the representative asked me to tell them a code that was texted to me. The text read " Citi ID Code : XXXX XXXX XXXX XXXX XXXX XXXX  We'll NEVER call or text for this code. ". As the representative had called to ask for the code, I refused the code and refused to continue the call. 

Then, I called the number on the back of my card, resolved the fraud alert, and the representative confirmed that both of my prior calls were indeed to a valid Citibank line. I asked to escalate to a supervisor, as providing account details to a number not associated with Citibank directly contradicts their anti-fraud advice. Additionally, a Citi representative asking for a security code in a tex that clearly states they will NEVER call for the code directly contradicts their anti-fraud advice. 

The representative claimed to have escalated the case, but I was given no tracking number to ensure that the representatives prior were indeed acting in accordance to Citi policy or if I was a victim of fraud in some other way. 

I am concerned that Citi is failing to adequately control and monitor their anti-fraud procedures and the way in which those procedures are carried out by their support team. This results in me as a customer taking unnecessary risks with my sensitive account information.