davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2023, I received a credit alert from TransUnion that my score had changed. XXXX drops XXXX points down to a credit score of XXXX. I immediately called TransUnion and discovered from what they told me they had created a new credit file for me that morning and removed all existing accounts. I was transferred to a specialist and advised to give him TransUnion File # XXXX. I was advised then that the did infact see the problem and they would correct it, that the correction would take 3-5 business days. 

On XX/XX/2023 I checked my TransUnion credit score from the TransUnion website and my credit score was still a XXXX. I call TransUnion and was advised that the problem was still there but they had sent me a letter. I asked how did this happen? Why did this happen? And what was the letter about? I was transferred to a specialist and ask the same questions. The specialist advise me that a letter was sent and I would have to prove my date of birth with a copy of my social security card and driver 's license before the problem could be corrected. I continued to question why did this happen and exactly what did happen and why was there a problem? I was told that TransUnion had two credit files on me now and they can not delete the one they created XX/XX/XXXX because they can't be sure that that's not the correct one when my credit history is nearly 30 years old. 

This morning I received the letter from TransUnion and it was a form to fill out and send payment to receive a copy of my credit report. However, the credit file number for this one is XXXX. 

As of this morning, my TransUnion credit file still shows a credit score of XXXX.
Consumer complaint received 2023-12-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (CA)

On XX/XX/2023, I submitted a money transfer ( XXXX USD ) from my XXXX Checking account to someone's business account in XXXX. I was paying for a tour. Wise.com says the amount is now in the business 's account on XX/XX/2023. It is now XX/XX/XXXX and Wise.com is not providing any tracing information and the business still has not received the money ( XXXX USD ).
Consumer complaint received 2024-03-22
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. (GA)

reviewed my consumer report on XX/XX/2024, and I noticed several inaccurate and incorrect information on my consumer report. They are reporting inaccurate and incorrect information in consumer reports concerning me that they have been compiled and published to third parties. The following trade line items are inaccurate and incomplete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of all 3 consumer reporting agencies for each account with just a few highlighted examples of the inaccurate and incomplete information. I am aware that I have rights under the FCRA and request that you fully comply with the law to my request.
Consumer complaint received 2024-03-22
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. (OH)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : TARGET/TD Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-05-21
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. (DC)

Recently, I ask the credit bureaus to do a verification on my credit report. Upon them doing that I received an update that it was completed. After, I went and completed a thrall research myself. However, I found improper inaccuracy on my credit report after they did a thrall research. These items which has not been corrected upon my credit reporting XXXX XXXX XXXX XXXX  For the amount of {$8800.00} XXXX XXXX XXXX XXXX  For me the amount of XXXX XX/XX/XXXX XXXX XXXXXXXX For the amount of XXXX XX/XX/XXXX XXXX XXXX XXXX  For the amount of {$330.00} XX/XX/XXXX XXXX XXXXXXXX XXXX For the amount of {$1000.00} XX/XX/XXXX XXXX XXXXXXXX For the amount of {$1000.00} XX/XX/XXXX 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 an account without my written instructions.
Consumer complaint received 2023-05-21
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. (TN)

In accordance with The Fair Credit reporting Act the list below has violate my rights as a consumer right privacy. 

Account # XXXX violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (GA)

This is a follow up since I can not locate or find any information on cancelling a complaint. File : XXXX can be cancelled or disregarded by the company as my card was finally unblocked. It can only be used for domestic purchases which is why it was constantly being locked by this card company. I was attempting to make purchases outside the United States.
Consumer complaint received 2023-04-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (SC)

While reviewing my credit report I noticed a new collection account was added. The collection company seems to be called Consumer Adjustment Company with an original creditor XXXX XXXX. I never received any communication from XXXX XXXX XXXX and I was never afforded my right to request for debt verification or to dispute the account or it's charges in violation with the Fair Debt Collection Practices Act.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I an account that are not correctly reported- XXXX XXXX account number XXXX you have it as recent balance XXXX as of XX/XX/year> and status of account charged-off XXXX written-off XXXX past due as of XX/XX/year> but this account has been paid-off. so do your investigation and do the necessary update to this
Consumer complaint received 2023-08-30
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$69.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7700.00} XXXX XXXX XXXX XXXX : {$3000.00} DEPT OF ED/XXXX XXXX Balance : {$8300.00} DEPT OF ED/XXXXXXXX XXXX Balance : {$7700.00} DEPT OF ED/XXXX XXXX Balance : {$4200.00} DEPT OF ED/XXXX XXXX Balance : {$2000.00} DEPT OF ED/XXXX XXXX Balance : {$1900.00} DEPT OF ED/XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance Owed : {$3900.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$18000.00}
Consumer complaint received 2023-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I am in the process of buying a home. I learned that there was an alleged debt owed to Capital One being pursued by a collection agency named XXXX XXXX XXXX XXXX and XXXX. This was a surprise because I am confident I paid the debt in 2020. At that time I settled a couple of delinquent accounts with credit card companies and medical bills. It is my recollection that XXXX XXXX XXXX first contacted me about this debt and subsequently XXXX XXXX began collection efforts on behalf of this debt. Because of the time that has passed, I contain locate the records. Therefore, I contacted XXXX to get information. I also contacted Capital One. Neither entity has responded. I provided the CFPB a copy of that letter. I believe the parties have failed to verify this debt because it was in fact paid to one of the collection agencies but my account was not credited. Moreover, I believe this debt may be time barred pursuant to the statute of limitations. I believe my recollection of the events is correct because for a period of time after 2020 this debt did not appear on my credit report.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (IN)

On or about XX/XX/XXXX I received a Costco account at Costco in my home town and they asked me to apply for a Costco credit account which would be beneficial for me to use with 1 %, 2 %, 3 % and 4 % cash back and points options. I did apply and was denied several times during the process. The sales rep at Costco had me retry several times and was stated I was denied citing XXXX report. My husband applied and was immediately granted a credit card through Citi- he has more credit card debt than I have and a lower score. I reviewed a letter I received from Citi stating Unable to approve my application because " My total credit obligations which include outstanding credit lines, are too high to meet their approval guidelines when compared to my stated income ''. THIS IS FALSE AND MALICIOUS AS WELL AS DISCRIMANTORY. I pulled up my XXXX report and my XXXX score was listed at XXXX -well above average of U.S. consumers and that I was an EXCEPTIONAL borrower. There was NOTHING negative, no missed payments, LOW REVOLVING CREDIT USAGE, Long credit history and recent credit usage - all listed under WHAT'S HELPING. Under What's hurting it stated YOU HAVE NO NEGATIVE FACTORS IMPACTING YOUR CREDIT. Once again, None, XXXX negative factors. I believe I have been discriminated against for age and gender and I'm not interested in a credit card with Citi but rather for them to release any and all information on my XXXX credit report and any other credit reporting agency, that shows it will be on my report until XXXX, XXXX. I also want Citi to be held liable for their discriminatory practices. I certainly would understand if there was a reason to deny me credit, which clearly XXXX states there was not. I'm a highly responsible tax paying consumer who has rights to defend myself against a malicious attack against my character. If they can just lie and deny, that should be against the law. Please forward to the Citi, et al., Office of the President, XXXX XXXX XXXX XXXX XXXX  SD XXXX. Thank you
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (FL)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2023-05-20
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. (FL)

I am interested in processing disputes only credit report with transunion to delete all inaccurate information on my credit report. this has been an issue that is hindering my credit report an needs to be deleted. please review an remove all listed items to help clean my file asap.
Consumer complaint received 2024-05-16
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: L.B.Gray LLC A Debt Collection Agency (IN)

Hello I got a letter from the XXXX XXXX, lawyers, and I have already talked to my landlord about what my situation is and I dont understand why I cant be put on a payment plan so I can get my rent paid. I lost my job in XXXX and I have been trying to play catch up on my rent.
Consumer complaint received 2023-12-22
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. (NJ)

XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX With this account I did not have late payments. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE XXXX XXXX The following personal information is incorrect
Consumer complaint received 2017-06-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

Four weeks ago I made a 4 day trip to XXXX and used the wifi at a hotel to check BTC ticker in the Coinbase app. I returned home ( US ) on XXXX XXXX, and when I tried to login to Coinbase I got this message : -- -- -- -- -- - We have reason to believe you reside in a country in which Coinbase is prohibited by law from doing business ( XXXX ) per the sanctions imposed by the U.S. Treasury Department 's Office of Foreign Assets Control. As a result, weve unfortunately had to close your Coinbase account. If you are not a resident of a sanctioned country or otherwise have received this notification in error, please contact us at XXXX immediately and provide us with a copy of a photo ID and proof of your current address. If your account has a balance you will need to contact the U.S. Treasury Department to request permission to access your funds. -- -- -- -- -- -- I have a balance over XXXX in their account, and need access to my funds. I have contacted them multiple times since then, over multiple channels ( XXXX, social media, email, XXXX ), and sent the required information to prove my address with a valid id, etc, and I have gotten no response from them. I found this thread, which was someone with the very same issue, and they got it resolved within two weeks of contacting support : XXXX XXXX  XXXX It 's been 24 days of my account being blocked, and I have heard nothing from Coinbase. There 's no phone number, no chat, nobody to talk to. I have already reached out to the CEO @ XXXX, and various members of their team, to no avail or response. It 's like they evaporated from the face of the earth. I can not understand a bank holding substantial funds for its customers that do not answer support request, which forces me to believe they are a fraud now.
Consumer complaint received 2024-03-22
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. (FL)

I am writing to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX / EXPERIAN/ XXXX XXXX with Bank XXXX XXXX account # XXXX. Under the FCRA, my rights to privacy and control over the reporting of my credit information are clearly outlined and protected. 
Specifically, I would like to draw attention to two sections of the FCRA that have been infringed upon : In accordance with the fair credit reporting act account # XXXX, has violated my rights. 
1

5 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. 

Please, I urge you to contact the relevant credit bureaus immediately to request the removal of any potential negative entries related to this account. The presence of this information is hindering my financial prospects and access to financing.
Consumer complaint received 2023-05-20
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. (CA)

to whom it may concern, In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2024-02-26
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: AMERICAN EXPRESS COMPANY (CA)

Purchased and received card from Amexgiftcards.com Was able to use for XXXX purchases. Now every other purchase has been declined. Have no access to funds. It's very time consuming and embarrassing. Numerous complaints online about similar issue. 
This is a known problem and they should be banned/fined from selling the cards.
Consumer complaint received 2023-05-20
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. (TN)

I have identified information on my credit report that does not reflect any transactions made by me. These accounts are the results of identity theft. I have never lived at the residents listed in attached documents, and for proof I have included a copy of my utility bill showing that I have not lived at the residence tied to fraudulent accounts. Also, my state id card and social security card is included, along with identity theft report.
Consumer complaint received 2023-07-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am very disappointed with these credit bureaus, XXXX, Equifax, and XXXX. I sent them dispute letters for several times concerning the inaccurate information on my credit report. However, XXXX, Equifax, and XXXX have ignored my previous request and failed to maintain reasonable procedures in their procedures to assure the maximum possible accuracy in the credit reports they publish. I never received a response nor investigated the inaccuracy on my credit report