davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
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. (FL)

I am definitely not satisfied with the way you verified these disputes. I'll be serious in dealing with these inaccuracies that you are reporting whi ch affects my score. My succeeding action would be filing complaint with the Attorney Generals Office if still these aren't fixed. You guys even sent me letter saying that these account are verified? You serious? How comethat you come-up saying that these accounts are verified yet there are no supportingdocuments that prove that these are accurate. I need you to perform a reinvestigation on these ambiguous accounts : XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXXXXXX Late Payment {$310.00} XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXXXXXX Late Payment {$510.00} XXXX XXXX XXXX  Late Payment {$0.00} XXXX XXXXXXXX Late Payment {$960.00} XXXX XXXX Late Payment {$14000.00} XXXX XXXXXXXX {$9000.00} XXXX XXXXXXXX {$4300.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$1500.00} XXXX XXXX IN ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX {$1400.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1200.00} XXXX XXXXXXXX {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$980.00} XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$54.00} XXXX XXXX XXXX  {$34.00} XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX {$10.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX {$0.00}
Consumer complaint received 2023-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (NV)

On XX/XX/2020 spoke to representative XXXX XXXX in regards to the convergent account # XXXX. I settled the XXXX debt of {$420.00} with an agreed upon reduced payment of {$210.00}. 

This representative told me the collection would no longer report on my credit reports. This is affecting my credit score and my credit worthiness. I have asked this company multiple time to handle this issue and take the account off my report. It is still reporting as a negative on my credit reports. 

I am asking this be taken off my credit report in FULL as agreed upon by Convergent Outsourcing.
Consumer complaint received 2020-04-14
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: CITIBANK, N.A. (IL)

In XX/XX/XXXX and XX/XX/XXXX, I contacted Citibank about several unrecognized charges that appeared on my online account and billing statements. In XX/XX/XXXX, I disputed a charge for {$99.00} travel charge I did not remember purchasing. At the time of the dispute I did not recognize the merchant. The bank said it gave me a provisional credit, but that credit did not appear on my XXXX statement. However, a reversal did appear on my XXXX statement posted on XX/XX/XXXX, but 30 days after I filed the dispute. 

The bank never sent any correspondence about the dispute, the provisional credit or the reversal of the charges. The charges just appear on my statement. The issue is that I searched Both the XXXX and XXXX statements and could not find a credit. Finally, looked on the website to look at previous statements and found a " provisional credit '' that on the XXXX statement dated XX/XX/XXXX. However, if the bank had actually provided a credit on my account posting on XX/XX/XXXX, that credit should have appeared on my XXXX billing statement for the period between XX/XX/XXXX - XX/XX/XXXX. 

I have had ongoing issues related to unrecognized charged on my statement. Citibank is making matter worse by having incorrect accounting procedures, incorrect billing procedures, or erroneous internal coding causing double charges to appear in my account balance. 

I have included the statement for the period between XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX, you will notice that a " provisional credit '' appears on a statement for which it does not make sense with respect to the date I made the dispute and the statement for which it appears. 

Further, I now see two other charges that did not originally appear on the XXXX statement for the same merchant. There are two {$16.00} charges for travel insurance on XX/XX/XXXX and XX/XX/XXXX, respectively. However, those two tickets were purchased with XXXX XXXX miles and I would not have needed to purchase travel insurance for that type of travel. I have been an XXXX XXXX XXXX member since XXXX and I have had this Citi Advantage card since at least XXXX and I have never purchased travel insurance for a ticket purchased with miles. There is no need to do that! 

When I look at the statements online, I all can see is two charges on XX/XX/XXXX for {$99.00} and a credit that did not appear on the original statement.
Consumer complaint received 2023-10-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brock & Scott, PLLC (NC)

I have requested Debt Validation on multiple occasions after receiving a case filing against me in XXXX. To date, I have not received full documentation and the debt has not been validated. Specifically, I have not received files prior toXX/XX/XXXX to account for over {$11000.00} in Brock and Scott/XXXX XXXX collection efforts. Their collection efforts have continued through credit reporting and by mail, however they have not validated the debt after repeated attempts over the last six months.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

SEVERAL CREDIT CARD ACCOUNTS THAT WERE PAID IN FULL THROUGH THE ACTUAL CREDIT CARD COMPANY THAT WAS PAID IN FULL, BUT REPORTING NEGATIVE OR BAD ON ALL THREE CREDIT BUREAUS EXPERIAN, XXXX AND XXXX.
Consumer complaint received 2023-11-11
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. (FL)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SD XXXX XXXX inquired on : XX/XX/2023 Reason : the inquiry was not authorized XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX inquired on : XX/XX/2023 Reason : the inquiry was not authorized XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX inquired on : XX/XX/2023 Reasons ; the inquiry was not authorized XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized XXXX. XXXX XXXX XXXX box XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized
Consumer complaint received 2023-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

I had been trying to dispute my debt with MERCHANTS CREDIT GUIDE on behave of ILLINOIS EMERGENCY MEDICAL S. I provided them with my insurance information since I legally had insurance at the time of this emergency visit. I explained I provided this information as well upon this emergency room visit. I should not be reponsible for someones mistake. I legally had insurance at that time and it has been provided many times as well as I have been trying to dispute this for past year without getting and positive results. There is never a formal explanation to me on what has happened as well. I cant be obligated to have my credit ruined as well as being forced to paid for something that I shouldnt be since I had insurance at that time. Never did i recive any bill stating that I am responsible for any amount due in this dospute.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This company have violated my federally protected consumer rights. They have violated my privacy. I have went ahead and filed a complaint with the Department of State with New York State. 

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 1681 section 602 A. States I have the right to privacy U. S. Code 1666b states that a consumer reporting agency should not treat any payment under a credit account as late for any purpose.
Consumer complaint received 2023-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (GA)

FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. 

I am requesting the General or specific certification that was sent to the consumer reporting Agencies! This request is being made pursuant rule 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. 

Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. 

These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have been denied new credit, I have been denied increases in lines of credit because of your willful violation of the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].
Consumer complaint received 2023-10-19
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. (AZ)

I just got a copy of my credit report and noticed some inquiries that I have no knowledge of or give consent to. According to Section 604 of the FCRA, would you kindly provide me with permissible purpose, proof that I initiated these inquiries, and written authorization for all inquiries listed on my credit report? If you have NO PROOF, I demand immediate deletion from my credit report.

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization, and have failed to provide a permissible purpose. Since, they do not have my authorization, written or verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose.

According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. 

The following companies did not have permission to request my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : DOCK NUMBER # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-19
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. (WA)

This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. I have challenged the reporting of a bankruptcy on my credit report 5 separate times on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23. ( A copy of the letter is attached ) I demanded every document they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not compliant with the law. This must be done in Metro 2 Format reporting. In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately. 

Equifax data furnisher is XXXX XXXX. XXXX XXXX sent a letter stating that there is NO verifiable Bankruptcy on it's data file and removed. They also initiated several disputes trying to communicate to Equifax, yet Equifax failed to respond to any of them their dispute request. The letter clearly states as such and it indicates that Equifax is literally ignoring the information forwarded by it's only data furnisher. Equifax uses NO other data furnisher, and it clearly states that on their report.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

This account was paid in full and reported to XXXX  XXXX that any additional charges were fraudulent due to identity theft with XXXX and XXXX  XXXX XXXX, they refused to close the account and sold debt to 3rd party collection agency XXXX XXXX XXXX, this company refuses to provide the proof I owe the debt and continue to make threatening phone calls at all hours. I am in the process of filing a lawsuit against both XXXX XXXX XXXX and XXXX XXXX if this false debt is not removed. Also I do not go by XXXX XXXX XXXX
Consumer complaint received 2023-06-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc. (LA)

I tried to apply Louisiana Scra benefits to my XXXX XXXX XXXX that I took out in 2016. I havent received a response from the company. The company shut down and was brought out by SSTXXXX which I contacted but havent heard a response.
Consumer complaint received 2023-10-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: LoanCare, LLC (NC)

On XX/XX/2022, I refinanced my home from LoanCare LLC to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was inquiring from LoanCare LLC to find out if I was suppose to receive a refund from my Escrow Account. It has been more than 4 weeks since I sent the letter requesting that information and to date, I have not received a response. Also, I did not receive any documents stating that the loan was Paid in Full. If there was a refund sent and somehow I don't remember it, which I doubt, I would like evidence of that action. Thank you.
Consumer complaint received 2024-04-05
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. (FL)

I am writing to file a formal complaint regarding inaccurate information reported on my credit report by TransUnion, XXXX XXXX XXXX concerning XXXX  XXXX XXXX Account # : XXXX. The information in question pertains to a charge-off that has been included on my credit report without legal basis. Despite the presence of this charge-off on my credit report, I have not received a 1099-C form for the associated debt after making multiple attempts. The absence of such documentation raises concerns about the legality of the reported charge-off. The inclusion of this inaccurate information on my credit report is damaging to my financial standing and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( e ) ( b ), which mandates that information reported to credit bureaus must be 100 % accurate. I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure the accuracy of my credit report. Specifically, I request the immediate removal of the inaccurate charge-off from my credit report and any necessary corrections to prevent future inaccuracies with this account. Please acknowledge receipt of this complaint and provide me with updates on the progress of the investigation. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (FL)

I opened the account with XXXX dollars then deposited XXXX and when XXXX  came I tried to log in and they closed my account & when I called them a lady hung up on me and Said Im not allowed to talk to you about this account thats ridiculous how the accepted my money now wont send it back or answer calls
Consumer complaint received 2023-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (GA)

XX/XX/23 I deposited {$990.00} into my Robinhood account. The account was then restricted and access to my funds were denied. I provided all documentation confirming that I am the owner of the account that the {$990.00} came from. Their policy states you will be updated on the status of the account with 10 days. It has been more than that and I have not gotten a reply.