davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
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. (IL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy 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
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Purchased XXXX XXXX XXXX XXXX XXXX from XXXX, XXXX CA XXXX XXXX. Purchase financed through XXXX XXXX, XXXX. I have been battling with XXXX over title documents. The dealership has failed to provide necessary title documents to transfer title and lein holder. In XX/XX/XXXX XXXX sold loan back to XXXX. I never missed a payment, or been late. XXXX has reported this account as derogatory. The account is closed paid as agreed. The transfer of this loan has nothing to do with me or my standing under the contract. I have disputed 3 times with XXXX and twice with Trans Union. The payment schedule in my report remains inaccurate as well as remarks and account status. I am on the verge of financial ruin due to XXXX false reporting.
Consumer complaint received 2023-12-11
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: EQUIFAX, INC. (TX)

My information was sold and bought illegally because i was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports : inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX
Consumer complaint received 2023-12-11
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. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-10-26
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. (MS)

In mid XXXX I sent a letter of my FTC report and the FCRA 605B law informing all three credi bureaus that I was a victim of identity theft. Equifax was the first to block all the fraudulent accounts. I noticed this change on XX/XX/2018. I was impressed and elated. However, The other bureaus required a police report. So, went to my local police department and filed the report on XX/XX/XXXX, and I forwarded the report to all the credit bureaus. I included Equifax as a courtesy. Upon receipt of the police report Equifax put all the fraudulent accounts back on my credit and The block was removed on XX/XX/2018. The disputed information was placed back on my prior to five business day. According to FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), I am required to be notified of any reinsertion within five business days. I have been in communication with Equifax reps on a frequent basis due to this ordeal ; and I have not received notice that it as added or an explanation. Equifax has politely assisted me in removing fraudulent inquiries that were removed the very next day. I know that they can promptly correct this error as well. In addition, I am not confident in the information that Equifax is providing about myself. When I attempt to access the dispute information on Equifax.com site I am unable to pass the verification process as they ask me about accounts I have no knowledge of. This is a difficult time for me as I never expected my identity to be stolen. Please block the fraudulent accounts as you originally did per FCRA 605 ; in which I have attached. Thank you
Consumer complaint received 2024-02-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (MD)

I am an American citizen, I live in Maryland, XXXX. On XX/XX/2024, I used the Western Union online instant cash transfer service to send {$100.00} to my friend in XXXX. My friend went to the Western Union office located inside the XXXX XXXX XXXXXXXX XXXX to receive his money. After completing the required documents, providing the recipients ID card, and an hour of wait to be serviced, the WU representative refused to cash the {$100.00} out and demanded the senders identification card to be presented by the recipient. Please accept this as a formal complaint against the WU office located in XXXX, XXXX.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Back in XXXX I believe, I had opened an savings account with XXXX credit. Where I had to make monthly payments to XXXX  and they will put it in a saving account and report it to the credit bureaus. I made every single payment on time with my saving account and it was also on a 12 month term. I recently was trying to get approved for a home loan and I discovered/ was informed that i had a recent delinquency on my report on a credit card and I didnt recognize nor know what the lender was tellingXXXX describing to me. They then told me it was a XXXX XXXX credit card and I told them I had a XXXX  saving account but no card. Was denied the home loan. I then reached to XXXX  and the number that was connected to the account on my credit report was connected to a prior employee at XXXX that hasnt worked there in XXXX  years I called the number and he was telling me that. I then XXXX XXXX phone number and how to get in touch with them because I no longer had the app on phone so I had to look for their contact information. And while I was doing that I decided to redownload the app because I couldnt trust XXXX phone number for this business. Ive let XXXX know the issue in the apps chat and also called multiple time and informed them multiple times about this matter and was constantly telling them I do not recognize this card and I didnt authorize it I dont even physically have a XXXX  card. I recently just received a XXXX $ Check from XXXX and I dont even know where that money comes from? Im super confused and they still havent removed this fraud off my credit report. And now I have a delinquent account on my credit report it is hurting me tremendously and I will like for it to be removed fixed and repaired.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXXXXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX ; XXXX XXXXnquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-10-26
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: Experian Information Solutions Inc. (CA)

I started monitoring each bureau and quickly noticed that because my XXXX XXXX DOES NOT HAVE A LIMIT any money I spend on it that should ever happen to get reported to the bureaus for the month is subtracted from the amount my other cards report this is to calculate a " FICO ''! So the FACT I HAVE A CREDIT CARD WITH NO LIMIT THAT GETS PAID OFF IN FULL MONTHLY SOME HOW BRINGS DOWN MY " FICO ''! Now the story is only going to get worse but thankfully I have over 25 pages of evidence to prove my nightmare experience! For REASONS EVERYBODY CAN NOT UNDERSTAND, EXPLAIN OR FIX! EVERYONE being XXXX, XXXX AND EXPERIAN ... as well as XXXX XXXX! There was a set monthly payment of {$14000.00} being reported and a credit card limit of {$29000.00}. The number they have been incorrectly reporting for months is my high balance for one month! Where the {$14000.00} monthly payment came from IDK! When I review all the reports I notice this XXXX XXXX shows up in the derogatory account section on all three as well! But the " Status '' hasn't been updated for the account since XX/XX/2012 just the " Balance '' has! SO based on this NIGHTMARE I STILL HAVE NO SOLOUTION TO I had to pay cash for my condo in XXXX XXXX because based on the bureaus I AM A HIGH RISK! I feel I should get the Hard inquires I got while trying to get a mortgage loan removed because the information WAS NOT AND STILL IS NOT ACCURATE! I HAVE BEEN DEALING WITH THIS FOR ALMOST A YEAR AND THEY EACH HAVE BEEN NO HELP ONLY HINDERANCE!
Consumer complaint received 2023-02-17
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: 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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX, XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-09-26
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (GA)

I trust this message finds you with a sense of urgency. I am writing to urgently bring to your attention a matter of great concern involving LVNV Funding LLC, a debt buyer, and their persistent pursuit of an alleged XXXX XXXX  debt amounting to {$690.00}. 

Despite the confirmed removal of the aforementioned debt from my credit report by XXXX and XXXX, adhering to the Fair Credit Reporting Act ( FCRA ) guidelines, XXXX appears unwilling to cooperate and still reflects the debt. This conflicting response exacerbates the severity of the situation, leaving me in a precarious position.
Consumer complaint received 2024-01-25
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: The Law Firm of Derek Williams, LLC d/b/a Infinite Law Group (TX)

Hired XXXX XXXX XXXX to handle debt settlement... Was told and directed that the company was changing names to the Law firm of XXXX Williams LLC new login created.. 

New company has ignored contractual obligations and ignored repeated requests bia phone and written emails to directly make sure A lawsuit filed by a debt collector was not handled appropriately ... or made a priority Before the TRO frose related companies assets XXXX Williams llc is apparently the receiver of these accounts however They are mishandling MY account and doing so in manners against my direct written and verbal communications and i have recorded conversations as well ... Wishes to negotiate debt settlements in the terms of written authorizations which i have expressly requested must be done in confirmation in email. however their back of the house team is now approving settlements without my authorization against the terms of my contract.
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. (PA)

I have sent a letter on the XXXX of XXXX to all 3 credit bureaus and included actions that were required by the credit bureaus to provide a more accurate consumer report. So they are in violation of the FCRA more specifically, 15 USC 1681a, 15 USC 1681b, 15 USC 1681c ,15 USC 1681 ( 2 ) ( A ) ( i ), and lastly 15 USC 1681n as well as the Privacy Act section 4. I also gave them 5 business days from acceptance of the letter to cure the situation or else I would find them guilty of violating the FCRA and Privacy Act and invoke the willful noncompliance act that is listed in the letter.
Consumer complaint received 2018-10-26
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I purchased XXXX XXXX XXXX from XXXX XXXX XXXX on XX/XX/18 for {$2500.00}. I tried to cancel the purchase On multiple occasions, because it was not anything as they described it to be. They refused to cancel. I disputed the charges on XX/XX/18 with my Capital OneCredit Card. I sent all the information they asked for other than a second opinion on letter head. In which I tried to get but everywhere I went they were afraid they would be pulled in to court and were not willing to help other than to advise me to call the SEC & Finra. At this point Im not even sure if what XXXX XXXX XXXX is doing is leagal, as crypto is not regulated yet. ( How are you supposed to get a second opinion if they are the only ones offering this service? ) To make a long story short I finally received a letter from them stating that I would receive a refund of my {$2500.00} on XX/XX/18. I have called and faxed Capital One this information, all I have received is a run around. They stated that it could take up to 3 weeks to post to my account. Well, here I am 10 weeks later with NO REFUND.
Consumer complaint received 2024-02-20
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: Family Choice Financial, Inc. (MS)

THIS IS MY 2ND TIME SENDING OUT THIS COMPLAINT REGARDING THIS LATE PAYMENT APPEARING ON MY REPORT WHEN IT SHOULD HAVE NOT BEEN, FAMILYCHOI XXXX I HAVE NEVER BEEN LATE WITH PAYMENT ON THIS ACCOUNT AND I DEMAND MY REPORT TO BE UPDATED AND REMOVE THE NEGATIVE TAGGING ON MY REPORT. THIS IS A VIOLATION OF MY RIGHT Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

In early XX/XX/XXXX, my mother and I received a letter from Citibank indicating that they would close my checking account and all related Citibank credit cards. I went to my local branch and spoke to the local branch manager regarding this surprise issue. She said it was due to my excessive deposit ( of {$6000.00} in 2 days. XX/XX/XXXX XXXX, see attached supporting document ) I was planning to take my vacation to XXXX and want to have extra cash on hand while I was abroad. The branch XXXX said she could not not give me any more reasons but I would have to write a letter to request the specific reason for closing my account. 

In the following weeks, I received XXXX more letters ( all of my other Citibank credit cardsXXXX Costco XXXX Home Depot Commercial card, Macy ) all had been closed without any specific reasons. 
Even Citis bank support phone was not able to give me the answer and they asked me to write a letter to the Citi Bank service support unit. It has been over 30 days and I have not received or hear back any valid response from Citi Bank. I feel this could be a misunderstanding by the Citis security A.I. protocol detecting a potential fraud. Ive been a great customer with Citi bank for over 10 years, maintaining a good balance ( about $ XXXX XXXX ) monthly and without any NSF XXXX any late payment nor bounced check in the past 10 years! Citi gave us the run around, instructed me to call the customer service, the the phone rep, they have no info, I've to write a actual letter. and nearly 50 days later, they replied, still without any valid reason why they chose to close our account and simply claim they donot practice any type XXXX discrimination. 

But It is now known for a fact that Citi Bank, under the new CEO, have officially made unfair discriminatory actions pertaining to extending credit against several certain XXXX history, based on their last 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 


" The CFPB found that Citi purposefully discriminated against applicants of XXXX descent, primarily based on the spelling of their last name, said CFPB XXXX XXXX XXXX " Citibank has been found guilty and fined {$24.00} in penalty for their XXXX discrimination policy against several races- including XXXX, and XXXX last name. 
We feel that because our last names end in XXXX and XXXX respectively, we are part of such unfair discriminatory policies actively practiced by Citbank as well. We urged CFPB to further investigate other XXXX discrimination practice for class action lawsuit that are still being actively implemented in the company at all levels. 

This unfair closure of all my credit card accounts is causing significant disruption to my daily lives. My mother is a XXXX XXXX XXXX retiree, who needs to shop for low cost gas and groceries and home depot repairs regularly.
Consumer complaint received 2024-03-22
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: Experian Information Solutions Inc. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.